Kapitálové životní pojištění a jeho porovnání v rámci českého pojistného trhu

Abstract

The work deals with problems of capital life insurance, it is concretely focused on the aspect of insurance coverage and the height of the insurance paid. The first chapter is an introduction. Here the aim of work is described, then there is a brief description of the importance of capital life insurance and a segmentation of the work into chapters. The second chapter includes an explanation of basic concepts connected with insurance and an explanation of the term of premium. Later on there is life insurance described, its principle and functions. In this chapter there are also particular kinds of life insurance described. At the end of the chapter there is a mention of profit from investing into life insurance. Whole the third chapter is devoted to capital life insurance. Here is the principle of function of this kind of life insurance explained, the relation of technic rate interest to pay-offs from capital life insurance, advantages and disadvantages of this kind of insurance. In the next part of this chapter all-purpose life insurance as a tiller of capital life insurance is described. The third chapter includes also an explanation of the law of income tax, respectively the part which deals with a tax admitability of the insurance paid. The chapter is finished with a mention of the situation of capital life insurance on the insurance market in the Czech republic. The fourth chapter is a practical one. At the beginning there is a short identification with chosen insurance companies which is followed with a detailed description of products intended for mutual comparison. Then a comparison of products itself follows both from the view of insurance coverage and from the view of insurance paid. The end of the chapter shows the results of the comparison. The last fifth chapter is the closure. Here the results found out during the comparison of products are summarized.