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Simplification of making decision on life insurance product
Mitrengová, Anna ; Odehnalová, Bohumila (referee) ; Martinovičová, Dana (advisor)
This bachelor’s thesis is focused on life insurance problems. It deals particularly with a mechanism used by financial advisors of company OVB Allfinanz, a. s. for a choice of a suitable insurance product for their clients. But nowadays it is a large supply of suitable products and it is very time-consuming to choose the right one of them. The point of this thesis is in suggestion of a tree of decision which would be able to make this whole project faster.
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Proposal for Improvement of Selected Insurable Product Corporation ING, N.V.
Jalušková, Radka ; Veselý, Petr (referee) ; Martinovičová, Dana (advisor)
This bachelor thesis discuss about life insurances of specific financial institutions and its goals is confront specific insurance product, then evaluace its strong and weak qualities against market and potential clients. Main copany will be ING Životní pojišťovna N.V, pobočka pro Českou republiku and key-account insurance product will be investment life insurance Investor Plus. By analyse I am going to find out disadvantages of my produkt against competitor´s products and I will propose its improvement (optimalization) to be more able to compete and more useful for clients.
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Analysis and cooperation of the property and liabality insurance of individuals with selected insurance companies on the Czech market
DVOŘÁKOVÁ, Aneta
The bachelor's thesis deals with property and liability insurance for individuals. The theoretical part of the thesis describes terms such as insurance, insured event and insurance industry. Then it focuses specifically on the property and the liability insurance. The practical part includes a survey of the insurance offers of five selected insurance companies. Then, it contains an analysis of the answers from a questionnaire survey to find out how people perceive these two insurances. The practical part also includes the search for the most appropriate insurance offers for 3 fictitious applicants.
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Analysis of car insurance offers in Czech Republic
POTĚŠIL, Dominik
This work deals with analysis of car insurance in Czech Republic. The aim of the bachelor thesis is to explain for what purpose is this insurance determined. The thesis is divided into the theoretical and practical part. The theoretical is focused on explanation of the terms which are used in all of work and which are the most important for clients when they are looking for the best car insurance. This part also shows how is this type of insurance defined in law of our country and some accessories which are related with basic insurance. The practical part is based on comparing many chosen insurance companies. In the first part there is a comparison by Partners company with one vehicle and three different person with choosing the ideal variant. Second part comparing one person with five different cars by Allianz insurance company.
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Risk Capital for Riders of Life Insurance
Kudler, Ondřej ; Klečková, Nina (advisor) ; Branda, Martin (referee)
The risk capital has to be kept by insurance company to cover unexpected looses. In our thesis we focus on different approaches to calculation of risk capital. One part is concentrated on derivation of Solvency I regime, both for life and nonlife insurance. In addition, we characterize riders of life insurance that are avaliable on the Czech market. In next part of our thesis we set up our own model of risk capital calculation. We consider these risks: mortality, expense, lapse and interest rate risk. For numerical calculations we chose accidental death rider, so we included its risk also into our model.
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Multiple life insurance and group insurance
Broukalová, Jana ; Bílková, Diana (advisor) ; Zaderlíková, Šárka (referee)
This thesis aims to familiarize the reader with the topic of life insurance, especially insurance taken out for more people. Its focus is empirical rather as combining the use of several actuarial and statistical methods through three statistical software and applications created in MS Excel using VBA. First, thesis is focused to multiple life insurance with intention to show reader the diversity of this interesting but rarely offered product in business world, especially through the application created for the purpose of this work. Sense of mentioned application lies in the fact it is able to calculate amount of the net premium for a user-selected type of insurance. Based on this outcome insurer can determine the net price corresponding to the chosen risk coverage (regardless of the amount of the costs associated with this type of insurance and required profitability). Age of insured person isn't usually part of calculation of premium for accident insurance. One of the aims of this study is to assess whether this parameter actually has or doesn't have any effect on the price of insurance. With help of SPSS and RStudio software relationship between age of insured person and amount of indemnification from daily compensation insurance has been researched. Based on the test of variable independence were detected dependencies of these variables where all of which used measure of association suggests a weak dependence amount of indemnification on the age of the insured. It surely worth insurer should consider different insurance rates for various ages of insured person. Following by examination whether the rate used to calculate premiums in case of hospitalization extra insurance corresponds to the actual risk coverage. It has been calculated the rate could be lower than currently used due to the loss experience of insurance for the past 9 years and the assumption of certain expenses and desired profit. It would be cheaper for insurance group contracts than it is today, when the insurer has done so. It could also attract new clientele. The last stated goal in this thesis is to create prognosis of the amount of indemnity paid for injuries covered by additional daily compensation insurance. Using the software EViews is analyzed this trend in the past 32 months first. Based on its outcome there is a future level forecast created for the next four years. These resulting values indicate the insurance indemnity for group contract will grow. Therefore, based on this analysis insurer should to conclude in the contract it would be appropriate to increase the premium of the insurance coverage. With these practical tasks the reader can get idea not only of problems solved in the scope of multiple life insurance and group insurance but also to become familiar with some statistical software used for analyzes carried out not only in the insurance industry. The conclusions of this thesis can also be beneficial for insurer who may adjust premium prices of analyzed insurances.
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Insurance companies products comparison
Mihók, Róbert ; Drozen, František (advisor) ; Šípek, Ladislav (referee)
Diploma thesis Insurance companies products comparison in the market of Czech Republic focuses on the subgroup of life insurance which is term life insurance. Thesis is divided in to the theoretical part, where the situation of Czech insurance market is brought in details and it depicts and analyses life insurance as a whole to emphasize the reason of selection of term life insurance outside of the other types. Theoretical part is constructed the way to enlighten the issues of life insurance for ordinary readers and on other hand to provide professionals working in this sector with useful and beneficial information. The core of the thesis is represented by practical part, where deep analysis of particular products and their interpretation and application on defined groups consisting of different people structures is provided. Thesis is trying to emphasize an importance of ensuring personal well-being via insurance and aspires to be helpful as a tool when choosing a right product of life insurance as well.
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