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Public Law Regulation of the Activity of Insurance Intermediaries
Vostatková, Lucie ; Bakeš, Milan (advisor) ; Kohajda, Michael (referee)
The purpose of this thesis on "Public Law Regulation of the Insurance Intermediaries" is the evaluation of the current regulation of the insurance intermediaries with regard to the goals of the public-law regulation of this sector. In the first part using the historical overview both in Czech and Europian context I am concluding the grounds and demands standing in the beginning of express formulation of the public interest that the state power should interfere with the insurance mediation sphere. In the following parts there are the selected provisions of the Act no. 38/2004 Coll. Of Acts, on the insurance intermediaries, and their impact on the practical execution of the intermediation activity analyzed. I am emphasizing the mandatory registration made by the state authority as a condition for entering the industry. An attention is devoted to the requirements of the professional ability and to the evaluation of its proper legal treatment with regard to the scope of competence of individual categories of intermediaries. In the last chapter there is a review of the proposed legislation which is currently in progress within the legislation procedure executed.
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Law aspects of unit linked insurance
Broukal, Matyáš ; Vybíral, Roman (advisor) ; Karfíková, Marie (referee)
Law aspects of unit linked insurance Abstract United linked insurance is an insurance (hereinafter referred to as ULI), which pays the insurance benefit in the event of survival to a stipulated age or death. The insurance benefit in the event of survival to a stipulated age is directly dependant on investment fund in which insurance premium is being invested. The goal of this thesis is to outline the law aspects of ULI. Thesis is divided into theoretical and practical part. Theoretical part covers law theory of ULI, current law and contract law. First chapter of theoretical part explains ULI as an insurance and its classification. Furthermore, it explains the view of financial science on ULI and describe the existence of insurable interest within an ULI, where there is no guaranteed amount in the event of death. The second chapter describes all aspects of ULI according to the applicable legislation. The first part deals with the insurance benefit in case of death and fee structures that covers it. It also explains the health questionnaire, the development of the risk of death over time, the issue of beneficiary from contract in the event of death. The next part deals with the insurance benefit in the event of survival to a stipulated age and the factors that affect it such as investment funds and units. The...
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Public Law Regulation of the Activity of Insurance Intermediaries
Vostatková, Lucie ; Bakeš, Milan (advisor) ; Kohajda, Michael (referee)
The purpose of this thesis on "Public Law Regulation of the Insurance Intermediaries" is the evaluation of the current regulation of the insurance intermediaries with regard to the goals of the public-law regulation of this sector. In the first part using the historical overview both in Czech and Europian context I am concluding the grounds and demands standing in the beginning of express formulation of the public interest that the state power should interfere with the insurance mediation sphere. In the following parts there are the selected provisions of the Act no. 38/2004 Coll. Of Acts, on the insurance intermediaries, and their impact on the practical execution of the intermediation activity analyzed. I am emphasizing the mandatory registration made by the state authority as a condition for entering the industry. An attention is devoted to the requirements of the professional ability and to the evaluation of its proper legal treatment with regard to the scope of competence of individual categories of intermediaries. In the last chapter there is a review of the proposed legislation which is currently in progress within the legislation procedure executed.
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Life insurance - usage in practice
Kašpar, Jiří ; Kislingerová, Eva (advisor) ; Eisler, Jan (referee)
First part of this work introduces the history of life insurance, the division of life insurance and legislation of insurance in the Czech Republic. Another part is devoted to the advantages and disadvantages of life insurance. Furthermore, life insurance is compared as protection and as saving or investment. In this context, attention "TANK" indicator. Another part of the work deals with the development of life insurance. In part that concerns the simulation of life insurance in the other life-cycle of the clients there are described three situations according to the age of the client: a 20-years old client, a 40-years old client and a 65-years old client. The conslucions of this work was to show practical examples of advantages and disadvantages of life insurance, its practical application in practice and compare in this context, term insurance and unit link insurance.
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