It seems that pension insurance, a method that could alleviate individual pressure, is extremely import for Chinese elders because aging is intensifying these days. The aging in China in 2029 will reach 18.19%~23.20%, and this proportion would be as 19.05%~25.94% in 2034 based on mathematic model. The Chinese old-age security system consists of three parts: basic old-age insurance, enterprise and occupational annuity, and commercial old-age insurance. The middle-class households have a great impact on the Chinese economic growth and social stabilities. Persons from middle-class families have certain economic foundation and strong sense of risk and financial management, and they also have high degree of recognition of commercial pension insurance. The author analyzed the current situations of pension insurance consumption by Chinese middle-class families, and further predicted their investment trend in pension insurance in future. This paper’s results would not only provide one of optimization strategies for asset arrangement of middle-class families, but also supply some suggestions for the insurers how to optimize the marketing of commercial pension insurance products.
