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Analysis of unit linked insurance in Czech Republic with a focus on simple premium products
Volnová, Viera ; Ducháčková, Eva (advisor)
The content of my work is unit-linked life insurance with a focus on simple premium products. Firstly, the definition of life insurance investment is discussed. At the same time in this part there is a description of the theoretical structure of this product, investment strategy, which the client chooses based on his risk profile and investment funds in which he wants to invest. In conclusion, the theoretical part summarizes the advantages and disadvantages of unit-linked life insurance. The analytical part focuses on the status of unit-linked insurance in the Czech insurance market and follows the same trend in simple-premium products. At the end of the analytical part there is a description of a specific, simple-premium product.
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Additional insurance to a life insurance
Lidmaňská, Kateřina ; Daňhel, Jaroslav (advisor) ; Kiovský, Tomáš (referee)
The master thesis deals with an additional insurance to a life insurance. In the first chapter I focus on an origin of life insurance and on a number of subjects, which works in the Czech insurance market now compared with the past. In the second chapter I divide life insurance into categories and explain the differences between insurance and a system of insurance. In the third chapter I describe the substance of life insurance, explain important words, which are associated with the system of insurance and I describe forms of life insurance, which we can see at the present time. The fourth chapter belongs to a company Partners For Life Planning, a. s., and its business partners. In the last chapter I deal with the additional insurance of invalidism and the additional insurance of a permanent consequence of injury. With both additional insurances I start describing that insurance, continue with an analysis of products of a chosen insurance company and I finish that chapter with a table and a summary.
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New Trends in Life Insurance
KALINOVÁ, Petra
The aim of this thesis is to get acquainted with the situation and problems of life insurance market, as well as to clarify its history and principles and describe differences between individual kinds of life insurance with focus on comparison of endowment life insurance and investment life insurance. We have compared investment life insurance products of six insurers. Using TANK method, which deals with costs of all investment products, we found out that investment life insurance has got very high fees and in comparison with other financial products it is far too expensive. According to statistics and work results the situation in the Czech Republic has improved significantly in recent years and life insurance market is growing. But the results are distorted. The specified premium has grown, mainly because of single deposits, which are meant as an investment and not as risk coverage. People are less protected in case of death and insurance protection is minimal. The main role of life insurance is suppressed and life insurance is viewed from a short-term perspective. Few people realize that insurance agreement will not satisfy their present needs and that it will help them in risk situations which life brings. Czech people take life insurance as an investment tool, not as a protection against unexpected events.
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One-time and regular investments through insurance products
BRYCHCÍN, Karel
The essay analyzes the products on the Czech insurance market for investment opportunities and solve different scenarios of potential clients of insurance companies. Describes the formation, history and purpose of insurance, types of insurance products and their characteristics, a description of selected investment products of insurance companies and compare the performance of selected investment portfolios.
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Unit Linked Insurance
TOMAN, František
The insurance market offers a large scale of different types of insurance products. Insurance companies offer products ranging from property insurance, airport and air meeting as well as different types of life and non-life insurance. The client has the possibility to choose a product that fully meets his needs. Endowment of Unit linked insurance are one of the most used insurances in the field of life insurances. Endowment insurance is an older product, which is for a long time on the market, but with its construction does not allow the client to be engaged and have the possibility to influence the distribution of the insurance money at any time during the duration of the contract. Therefore the insurance companies came up with a new and very flexible life insurance, which fully suits the needs of present clients and gives them the possibility to be engaged and co-determine on their finances. Unit Linked Insurance is the very life insurance. Comparison of these two types of life insurance is the objective of this presented work. It describes the differences of the two insurances, what are their advantages or disadvantages, but also it determines the possibility of combination of Unit linked insurance with cooperation with mortgage credit. Further it also describes what is important and how to setup the Unit linked insurance so that the bank will accept it as a possible funding of housing.
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Open muttual funds versus investment life insurance
NESVAČILOVÁ, Lenka
In last decade passed investment in the Czech republic discontinuous innovation. The expanse of investors fund is adherent to voucher privatization, which they realized in 1992 {--} 1994. At the beginnig of new millenium in the Czech republic begin penetrated foreign investments company. The faulted year for collective investing was in 2004, when Czech republic enter in Europion Union. The market of life insurance in last years noted big boom. Since 1996 the market of life insurance trebled. In my graduation theses I compare two products {--} investment life insurance and open muttual funds. The investment life insurance is Flexi 2009 from Pojišťovna České spořitelny, a.s. and open muttual funds is Evropslá penze Plus/Baby from Conseq Management Investment, a.s. The similar products are in the czech market many, but is not possible to characterise and compare all. Investment life instance is more difficult product than open muttual funds. Especially is adress those, who has commitment to third persons, for example familly or long loan. Open muttual funds is a form of savings, which offer interesting assesment investment instruments. I can´t say, that one product is better than second. For me both muttualy added. From existencial reasons is more necessary life insurance in result cover human risks of clients and their familly. I would recommend clients, who want conclude investment life insurance or enter in world of investing in the form of open muttual funds to not restrict to selection only one insurance or investment company. In time of charge wars are prices very different in almost the same products. Client should have a comparison ond offers selected products from more financial institucions or financial advisors, who have almost all company under {\clqq}one roof`` and they can select. They should know, what is for their clients important, what not and mainly why.
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The mortgage credit and life investment insurance
POSPÍŠILOVÁ, Jana
My bachelor diploma paper is going to deal with the possibility of using the building savings, mortgage credit or combination of mortgage credit and life investment insurance. The main task is to set useful information basis about the products. The theoretical part will serve as the main basis for understanding basic credit rules from building savings, mortgage credit and combinations. The aim of this work is to show the advantages of separate products in dependence on the financial standing and the total excess payment.
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Comparison of selected insurance premiums by insurance companies in selected
Kohoutek, Jan ; Radová, Jarmila (advisor)
The topic of my thesis is "Comparison of selected premium life insurance products in selected insurance companies. Work is focused on the private life insurance, namely life insurance investment product. At the beginning of the work describes the general concept of unit-linked life insurance, its advantages and disadvantages and possibilities for negotiation. Another part of this work is focused on a comparison of the market represented an investment in life insurance, individual insurance companies and compare insurance quotations in the country. This comparison is conducted at 6 selected insurance life insurance companies. In the last part of this work is to compare the investment life insurance products with alternative recommendations and target customers.
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Investment life insurance, its costs and impacts on a client
Tomšová, Kateřina ; Poul, Ondřej (advisor)
The object of this thesis is the issue of costs of the product investment life insurance (primarily costs of its investment component). The aim of the first part is to introduce the product in general and the other parts are concerned with indicators of costs - TANK, PER and TER, which are used in practice. These indicators are described from both theoretical and practical points of view, as I've made an analysis of their most important characteristics and impacts on the portfolio of the Czech insurance companies.
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Selected aspects of variable life insurance
Krajčovič, Michal ; Ducháčková, Eva (advisor) ; Daňhel, Jaroslav (referee)
The subject of this thesis is the analysis of unit linked insurance in the insurance market of Czech Republic. United linked insurance is presented as a successful combination of risks coverage and savings unit. We are talking about mixed insurance in case of death or survival exact age with single or normal insurance premium, where the size of indemnity depends on yields from investments. It is very complicated insurance product with many benefits and disadvantages. The thesis is divided into more chapters. The first chapter is devoted to determination of the concept and classification of unit linked insurance. In the second one I describe the situation and development trends in the field of unit linked insurance in Czech insurance market. Further chapters involve specific aspects and problems of the product, actual situation in regard of financial crisis and anticipated future development.
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