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Life Insurance as a Source of Income at Retirement Age
Ertlová, Alena ; Němec, Jiří (referee) ; Řezáč, František (advisor)
This thesis focuses on the main characteristics of life insurance and its importance as a means of income at retirement age. The aim of this thesis is the evaluation of selected environmental insurance products according to preselected parameters on model examples. Best selected product will be further compared with the product of supplementary pension of a specific insurance subject. At the very end, I focus on evaluating the results and drawing appropriate recommendations for fictitious clients to dispose of a certainamount of retirement funds.
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Pojistná ochrana fyzických osob
Lamošová, Natálie
This bachelor's thesis is devoted to personal insurance. The goal is to design insurance protection for average clients in the Czech Republic, who are modeled in three age periods during their lifetime. I will monitor the development of insurance amounts according to age and other factors. Furthermore, I identify the determinants that have an influence on the setting of insurance amounts in my own variant. I can find a deviation in the set own insurance amounts from the recommended calculators of the Allianz insurance company. An integral part is a summary of how the need for life insurance changes over the course of one's life with the existence of a mortgage loan, a child and savings.
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Důsledky nepřesného finančního plánování poradenských společností pro klienty v ČR
Kodýtek, Petr
Kodýtek, P., Consequences of Inaccurate Financial Planning of Consulting Companies for Clients in the Czech Republic. Brno: Mendel university in Brno, 2022. The bachelor's thesis deals with the possible negative consequences in the process of personal financial planning caused by inaccurately determined pension insurance benefits. The thesis presents a theoretical description of personal financial planning and the pension system in the Czech Republic. The aim of this work is to identify and quantify the differences in the outputs of personal financial plans prepared with precisely determined pensions benefits compared to estimated pensions benefits. The research took the form of a structured interview and processing of results for 2 selected households. The results of the work are discussed, and factors are determined that may affect the importance of determining the exact benefits of pension insurance for the purposes of developing a personal financial plan.
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Zaměstnanecké benefity v oblasti pojišťovnictví
Moravec, Jakub
This bachelor's thesis deals with the issue of employee benefits in an un-named company. The objective was to compare whether the employer's contribu-tion to private life insurance or supplementary pension savings is preferable to an increase in the employee's gross wage. The evaluation was carried out on the ba-sis of a questionnaire survey and model calculations. The calculations showed that it is more advantageous for employers to introduce a contribution to one of the financial products. An optimal solution and recommendation for the company are presented in the conclusion.
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Life Insurance Comparison of Financial Institutions on the Czech Market
HRBOVÁ, Veronika
Proper life insurance guarantees not only insurance protection, but also money savings. Due to many products of life insurance on the domestic market, clients may have difficulty with orientation and information. The bachelor thesis surveys the situation with the current offering of life insurance on the Czech market. The aim of the bachelor thesis is to compare the life insurance offers of selected financial institutions in the domestic market and determine which product is the optimal solution for clients. In the practical part, the following methods are used: guided interview, scoring method, ranking method, the weighted sum method (WSA method). The conclusion contains the order of life insurance products for individual clients.
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Choice of the Optimal Product Life Insurance for the Chosen Client
KULASOVÁ, Aneta
Nowadays, life insurance is a necessity, however insurance market is very confusing. In many cases, client chooses a life insurance that is not suitable for his needs. Also, they pay too much for a product of life insurance, which is not optimal for them. Bachelor thesis focuses on this issue. The purpose of this thesis is to choose an optimal product for a specific type of client and to map the insurance market. It is very important to explain basic terms, that help client to understand the area of life insurance. In theoretical part there are explained basic expressions, which help us to understand the area of life insurance. In the practical part there are several offers for each client from insurance companies. Insurance companies are selected according to market share in Czech Republic. In the bachelor thesis are used a few criteria, which are key for a client for example price of insurance (paid monthly) or damages for individual risks. Offers are compared by using the methods of polycriterial evaluation of variants. Specifically, are used method of order and method of weighted sum. After that, the most suitable product is offered to the client. Life insurance product Allianz ŽIVOT from Allianz insurance company was evaluated as the optimal product for two from tree clients. For one client was optimal product from Generali Česká insurance company.
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Legal Aspects of the Creation of the Insurance Product
Kult, Alexander ; Vybíral, Roman (advisor) ; Karfíková, Marie (referee) ; Dřevínek, Karel (referee)
4 Legal Aspects of the Creation of the Insurance Product Abstract This dissertation deals with the legal aspects of creation of insurance products, including the rules of their distribution and fulfilment of information duties. The author's aim was to interconnect the public and private law regulation of insurance and its distribution, with a focus on the creation of valid contractual documentation and the proper fulfilment of information duties, for the purpose of a practical understanding. Specific attention is focused on the area of personal insurance, both in the scope of life and non-life insurance sectors. Special emphasis is placed on the explanation of insurance-based investment products, whose nature and fragmented regulation pose the most significant practical and theoretical problems. Apart from the theoretical introduction, the thesis is divided into six parts. The first part is devoted to the essence of individual insurance products and their specifics. The second part deals with the theoretical definitions in the field of insurance law. In the third part, the author analyses the rules of creation of insurance products not only regarding the POG regulation, but also in the light of the Insurance Act and the Solvency II Directive. The fourth part discusses the rules of insurance distribution,...
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The Impact of the Macroeconomic Environment on Insurance Companies
Čepeláková, Lenka ; Jakubík, Petr (advisor) ; Brechler, Josef (referee)
i Abstract: This thesis assesses the impact of economic, institutional and demographic factors on the life and non-life gross written premiums of insurance companies. A dynamic panel data regression using the system generalized method of mo- ments is applied on data of 29 European countries collected by EIOPA covering the period from 2005 to 2013. The results reveal that economic and institutio- nal factors drive both life and non-life insurance industry. On the other hand, we cannot confirm that demographic factors are significant determinants of the growth in GWPs. Subsequently, the hypothesis that there are substantial cross-countries differences among the importance of different macroeconomic determinants on the insurance sector development is explored and confirmed. This work shines new light on the development of the quantitative macro- prudential framework used to determine different economic scenarios affecting insurance companies' balance sheets. Moreover, a broader set of panel data and more variables explaining the growth in insurance sector bring new contributi- ons to the current discussion in academic literature.
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