Srovnání dočasných pojištění pro případ smrti u vybraných pojišťoven

Abstract

There is a proverb saying that there are just two sure things in our lives – the death and taxes. We cannot prepare for the death but we can insure against it. Life insurance is designed for individuals and covers risks of endangering health and life. In this case of insurance, there can be an insurance covering risk of death or risk of survival, eventually both altogether. Temporary insurance for the risk of death covers just the death and so for a certain period of time only but on the other hand it’s the cheapest life insurance on the market. Therefore it’s convenient for securing various loans, credits and mortgages. The aim of this work was a comparison of the temporary life insurance provided by five insurance companies using a model situation. This model situation was focused on the insurance which offers a possible way to secure a mortgage. In individual chapters, we outlined the problems of life insurance in theoretical and practical point of view. The range of products of chosen insurance companies was evaluated according to the amount paid for the insurance.