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Analysis of the Insurance Products for Additions to Reserves
Sýkora, Jan ; Vopátek, Jiří (advisor) ; Plojhar, Václav (referee)
This bachelor thesis is focused on analysis of products of reserve-making life insurance. This category includes capital and investment life insurance. First of all, these types of insurance are described in theoretical part with explanation of their key parameters and principals of functioning. In conformity with reserve-making life insurance is also described the retirement (pension) system in the Czech Republic. Final chapter of theoretical part includes the topic of insurance maths. The practical part is focused on particular model calculations of life insurance. These calculations are made in insurance programs and clarify the values of insurance amounts during the time of insurance. The goal of this thesis is to show if these types of insurance are the suitable way how to save money for the retirement or not. The conclusion of calculation results is included in the ending chapter together with final comment.
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Analysis of the Slovak life insurance market
Vágó, Ádám ; Daňhel, Jaroslav (advisor) ; Oborilová, Mária (referee)
The topic of this thesis is an analysis of the Slovak life insurance market. In the first part there is explained what life insurance actually is, what is it for and what forms of it exist. There are also defined some basic terms, which are used in the insurance sphere. The second part examines the importance of life insurance in its present situation and its future prospects and compares the products of given insurance companies. It also evaluates the result of an own questionnaire and spies the effect of the economic and financial crisis on the sector of life insurance.
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Analysis of life insurance in SR
Trebuľa, Michal ; Gruber, Petr (advisor) ; Burešová, Jana (referee)
This bachelor thesis is based on analysis of actual situation on Slovak insurance market of the life insurance. The work is giving for reader further information and analysis of chosen insurance products from capital and investment insurance according with optional supplementary insurance possibilities. Firstly it is drawing attention to general characteristics and reasons for enclosing life insurance agreement. Secondly the work is giving historical overview and in next parts is zooming on and characterizing Slovak insurance market. Practical part is based on the selection of four dominant and major insurance companies in Slovakia and is trying to give general view on actual life insurance products portfolio. These products are secondly analyzed and the work is afterwards giving valorization of advantages and disadvantages according to the criteria of final policy value. At the end I am on the basis of fake client giving recommendation where is the best possibility to enclose life insurance at the present time.
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Personal and family budget
Michalička, Jan ; Smrčka, Luboš (advisor) ; Zajíc, Ladislav (referee)
The aim of this bachelor work is to bring theoretical and practical knowledges about making up family budget. The work is divided into three parts. First part is about basic principles, that must be adhered in order to make up a family and personal budget. Second part is about theoretical and practical knowledges concerning about the issue of personal portfolio. This part contains comparation of financial products, that can be used by building up a family budget. Second part can be also used as a source for choosing the suitable financial product. Last practical part is about making up a financial plan by using knowledges from previous two parts of the work.
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The analyses of methods for ensuring a secure retirement
Šárová, Kateřina ; Radová, Jarmila (advisor)
The main objective of this bachelor work is the analyses of individual products used in Czech Republic for ensuring retirements needs. The first part deals with present retirement system, showing factors, which may have unfavorable influence and notifying us of the particular reform measures of the system. In other parts I try to analyze and describe proper additional products for retirement insurance such as state-contributory supplementary pension insurance and life insurance and its tax advantages. In conclusion I am trying to summarize the findings which I have obtained throughout the whole work.
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Developing trends influencing world insurance market and Czech insurance market
Mišičková, Daniela ; Daňhel, Jaroslav (advisor) ; Klaban, A (referee)
Today's globalization leads to a wide range of new developing trends influencing the insurance market. The main one is a variance in the character of risks. The generation of new threats means for insurers to face up a difficultness with an identification of risks and a prediction of future damages. Solutions of a catastrophic impact of damages are hidden in an alternative transfer of risks and a higher level of assurance. The treat of longevity has its own impact, too. Demographic shock caused by a strain of population has turned people in advanced western markets to life-insurance. Mainly, because of a current insufficient set up of pensions systems, people has searched a new possibility how to insure their post-active life. It has enabled a development of life-insurance products focusing on individual clients' needs and providing several components of flexibility and variability. As a next globalization push, I cannot omit concentration and consolidation ongoing nowadays on the insurance market. Rise of giant conglomerates can be seen in the accent of cost reduction, diversification of risks and using enormous financial power. Nevertheless, the main impulse has risen from the still changing clients' needs with the necessity of obtaining complex financial service. Last but not least, I would like to mention the implementation of a regulatory project Solvency II accompanying by IFRS in the field of the insurance market. Their objectives are a reduction of information asymmetry, a higher stability of the insurance market and transparency and comparability of insurers' financial reporting leading to higher clients' protection.
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Life insurance and its role in financing living.
Kučerová, Barbora ; Radová, Jarmila (advisor) ; Málek, Jiří (referee)
This work is devoted of meaning life insurance in financing living. In introduction is circumscribed history and present of life insurance. Next part deal with capital and capital life insurance. In both performances is approached principle of their behaviour, contentual page and way estimation intermediate agents. Further are foreshadoweds benefits and disavantages single performances and their mutual comparison. Close work survey on mortgage credit, that are first generally circumscribed and after is out of print of mortgage in combination with capital or capital life insurance.
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