{"id":2531,"date":"2023-08-29T12:46:38","date_gmt":"2023-08-29T10:46:38","guid":{"rendered":"https:\/\/www.ez.cz\/?p=2531"},"modified":"2023-08-29T12:46:40","modified_gmt":"2023-08-29T10:46:40","slug":"nastavte-si-zivotni-pojisteni-co-nejlepe-tipy-jak-na-to","status":"publish","type":"post","link":"https:\/\/www.ez.cz\/?p=2531","title":{"rendered":"Nastavte si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed co nejl\u00e9pe. Tipy, jak na to!"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/a> \u2013 finan\u010dn\u00ed pol\u0161t\u00e1\u0159, kter\u00fd v\u00e1s i va\u0161i rodinu chr\u00e1n\u00ed p\u0159ed z\u00e1sadn\u00edmi, nep\u0159\u00edjemn\u00fdmi situacemi v \u017eivot\u011b. Smrt, \u00faraz nebo invalidita dok\u00e1\u017eou rodinn\u00fd rozpo\u010det p\u011bkn\u011b potr\u00e1pit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Je proto d\u016fle\u017eit\u00e9 b\u00fdt na tyto situace p\u0159ipraven \u2013 pom\u016f\u017ee v\u00e1m k tomu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podpo\u0159\u00ed v\u00e1s p\u0159i v\u00fdpadku p\u0159\u00edjmu. A nejen to! P\u0159e\u010dt\u011bte si, co to \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je a jak ho nastavit tak, aby se co nejv\u00edce vyplatilo.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a> Tipy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Na trhu m\u016f\u017eete sjednat tyto druhy \u017eivotn\u00edho poji\u0161t\u011bn\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed,<\/li>\n\n\n\n<li>investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed,<\/li>\n\n\n\n<li>kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Rizikov\u00e9 \u017eivotn\u00ed <\/strong>poji\u0161t\u011bn\u00ed chr\u00e1n\u00ed prim\u00e1rn\u011b v p\u0159\u00edpad\u011b smrti. Klade d\u016fraz na finan\u010dn\u00ed ochranu poz\u016fstal\u00fdch zem\u0159el\u00e9ho.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Investi\u010dn\u00ed \u017eivotn\u00ed <\/strong>poji\u0161t\u011bn\u00ed m\u00e1 krom\u011b pojistn\u00e9 slo\u017eky tak\u00e9 \u010d\u00e1st spo\u0159ic\u00ed. Poji\u0161\u0165ovna investuje \u010d\u00e1st prost\u0159edk\u016f klienta do investi\u010dn\u00edch instrument\u016f, a to podle m\u00edry rizika, kterou si klient s\u00e1m vybral. Pen\u00edze se tak formou investice pr\u016fb\u011b\u017en\u011b zhodnocuj\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je podobn\u00e9 tomu investi\u010dn\u00edmu. Je zde takzvan\u00e9<strong> garantovan\u00e9 zhodnocen\u00ed.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dopl\u0148kov\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed neslou\u017e\u00ed jen pro p\u0159\u00edpad smrti. M\u016f\u017eete se p\u0159ipojistit tak\u00e9 na p\u0159\u00edpad:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>dlouhodob\u00e9 nemoci,<\/li>\n\n\n\n<li>invalidity,<\/li>\n\n\n\n<li>trval\u00fdch n\u00e1sledk\u016f \u00farazu,<\/li>\n\n\n\n<li>hospitalizace.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Co br\u00e1t u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v potaz<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ne\u017e svou smlouvu o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed sjedn\u00e1te, definujte si:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Co od \u017eivotn\u00edho poji\u0161t\u011bn\u00ed o\u010dek\u00e1v\u00e1te.<\/li>\n\n\n\n<li>Co chcete pojistit.<\/li>\n\n\n\n<li>Pro koho \u017eivotn\u00ed poji\u0161t\u011bn\u00ed sjedn\u00e1v\u00e1te.<\/li>\n\n\n\n<li>Zda chcete v r\u00e1mci poji\u0161t\u011bn\u00ed investovat.<\/li>\n\n\n\n<li>Jak dlouho poji\u0161t\u011bn\u00ed potrv\u00e1.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Jak nastavit poji\u0161t\u011bn\u00ed<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Nastavte pojistnou \u010d\u00e1stku<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Abyste pojistnou \u010d\u00e1stku dob\u0159e nastavili, je t\u0159eba zjistit va\u0161e p\u0159\u00edjmy a v\u00fddaje. Obecn\u011b se doporu\u010duje nastavit pojistnou \u010d\u00e1stku na<strong> 2 a\u017e 5 ro\u010dn\u00edch p\u0159\u00edjm\u016f.<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Konstantn\u00ed nebo klesaj\u00edc\u00ed pojistn\u00e1 \u010d\u00e1stka?<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Konstantn\u00ed pojistn\u00e1 \u010d\u00e1stka<\/strong> v p\u0159\u00edpad\u011b smrti znamen\u00e1, \u017ee po celou dobu, tedy n\u011bkolika (des\u00edtek let) se pojistn\u00e1 \u010d\u00e1stka nem\u011bn\u00ed. Pokud chcete, aby smlouva brala v potaz inflaci, vyu\u017eijte takzvanou <strong>indexaci<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P\u0159\u00edklad: <\/strong><em>Uzav\u0159ete rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed na 30 let. <\/em><em><strong>Konstantn\u00ed pojistn\u00e1<\/strong><\/em><em> \u010d\u00e1stka je 500 000 K\u010d. V p\u0159\u00edpad\u011b, \u017ee dojde za 20 let k \u00famrt\u00ed, poz\u016fstal\u00fdm bude vyplaceno p\u0159esn\u011b 500 000 K\u010d.<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Klesaj\u00edc\u00ed pojistn\u00e1 \u010d\u00e1stka<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Je ide\u00e1ln\u00ed v p\u0159\u00edpad\u011b, \u017ee m\u00e1te z\u00e1vazky, kter\u00e9 nechcete nechat sv\u00fdm bl\u00edzk\u00fdm po sv\u00e9 smrti na krku. Pojistn\u00e1 \u010d\u00e1stka je nastaven\u00e1 na v\u00fd\u0161i nesplacen\u00fdch dluh\u016f a v<strong> pr\u016fb\u011bhu \u010dasu kles\u00e1.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P\u0159\u00edklad: <\/strong><em>M\u00e1te hypot\u00e9ku na 20 let. Rozhodnete se si zalo\u017eit \u017eivotn\u00ed poji\u0161t\u011bn\u00ed v p\u0159\u00edpad\u011b smrti. Na hypot\u00e9ce v\u00e1m zb\u00fdv\u00e1 doplatit 3 miliony korun. Jak b\u011bhem let hypot\u00e9ku spl\u00e1c\u00edte a dluh kles\u00e1, sni\u017euje se tak\u00e9 pojistn\u00e1 \u010d\u00e1stka.<\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zvolte si obmy\u0161lenou osobu<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">V p\u0159\u00edpad\u011b rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed zvol\u00edte takzvanou obmy\u0161lenou osobu. Je to \u010dlov\u011bk, kter\u00fd <strong>dostane od poji\u0161\u0165ovny pojistn\u00e9 pln\u011bn\u00ed<\/strong>, pokud se v\u00e1m n\u011bco stane.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Zde mus\u00edte zvolit, od kter\u00e9ho dne chcete dost\u00e1vat pen\u00edze. Standardn\u011b se doba pohybuje od 15 do 60 dn\u016f. \u010c\u00edm <strong>men\u0161\u00ed spolu\u00fa\u010dast, <\/strong>t\u00edm bude poji\u0161t\u011bn\u00ed<strong> dra\u017e\u0161\u00ed.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Jak vybrat \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>P\u0159\u00edklad: <\/strong><em>Klient, 31 let, p\u0159i sjedn\u00e1n\u00ed p\u016fvodn\u00ed pojistky byl svobodn\u00fd bezd\u011btn\u00fd a m\u011bl hypot\u00e9ku. P\u016fvodn\u00ed pojistn\u00e1 \u010d\u00e1stka byla sjedn\u00e1na na 1 mil. K\u010d, platn\u00e1 do v\u011bku 65 let klienta<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Jak pojistku sjednat?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>Varianta 1:<\/strong><\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>smrt s klesaj\u00edc\u00ed pojistnou \u010d\u00e1stkou na 1 mil. K\u010d (kv\u016fli hypot\u00e9ce),<\/em><\/li>\n\n\n\n<li><em>trval\u00e9 n\u00e1sledky \u00farazu na 1 mil. K\u010d.<\/em><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>Cena<\/strong><\/em><em>: 452 K\u010d m\u011bs\u00ed\u010dn\u011b<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Varianta 2:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>smrt s klesaj\u00edc\u00ed pojistnou \u010d\u00e1stkou na 1 mil. K\u010d (kv\u016fli hypot\u00e9ce),<\/em><\/li>\n\n\n\n<li><em>trval\u00e9 n\u00e1sledky \u00farazu na 500 tis. K\u010d<\/em>,<\/li>\n\n\n\n<li><em>denn\u00ed od\u0161kodn\u00e9 \u00farazu a hospitalizaci za \u00faraz a nemoc na 300 K\u010d\/denn\u00ed d\u00e1vky<\/em><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><em><strong>Cena<\/strong><\/em><em>: 650 K\u010d m\u011bs\u00ed\u010dn\u011b<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a><\/a>Na co si d\u00e1t u \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pozor<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Podepsanou smlouvou a platbou pojistn\u00e9ho to nekon\u010d\u00ed. Je d\u016fle\u017eit\u00e9 svou smlouvu o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed <strong>pravideln\u011b aktualizovat. <\/strong>Ka\u017edou \u017eivotn\u00ed zm\u011bnu byste tak m\u011bli do smlouvy o \u017eivotn\u00edm poji\u0161t\u011bn\u00ed zahrnout.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed \u2013 finan\u010dn\u00ed pol\u0161t\u00e1\u0159, kter\u00fd v\u00e1s i va\u0161i rodinu chr\u00e1n\u00ed p\u0159ed z\u00e1sadn\u00edmi, nep\u0159\u00edjemn\u00fdmi situacemi v \u017eivot\u011b. Smrt, \u00faraz nebo invalidita dok\u00e1\u017eou rodinn\u00fd rozpo\u010det p\u011bkn\u011b potr\u00e1pit. Je proto d\u016fle\u017eit\u00e9 b\u00fdt na tyto situace p\u0159ipraven \u2013 pom\u016f\u017ee v\u00e1m k tomu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Podpo\u0159\u00ed v\u00e1s p\u0159i v\u00fdpadku p\u0159\u00edjmu. A nejen to! P\u0159e\u010dt\u011bte si, co to \u017eivotn\u00ed poji\u0161t\u011bn\u00ed [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2532,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[95],"tags":[],"class_list":["post-2531","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2531","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2531"}],"version-history":[{"count":0,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2531\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/media\/2532"}],"wp:attachment":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2531"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2531"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2531"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}