[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.iceandfire.cz\/zivotni-pojisteni-jako-ochrana\/#Article","mainEntityOfPage":"https:\/\/www.iceandfire.cz\/zivotni-pojisteni-jako-ochrana\/","headline":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed jako ochrana","name":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed jako ochrana","description":"V dne\u0161n\u00ed dob\u011b, kter\u00e1 je n\u00e1chyln\u00e1 na nemoci, \u00farazy a pracovn\u00ed neschopnosti je pot\u0159eba se dostate\u010dn\u011b chr\u00e1nit. D\u016fle\u017eitou ochranou by m\u011bla b\u00fdt hlavn\u011b prevence, kter\u00e1 bude \u0159e\u0161it n\u00e1sledky n\u011bjak\u00e9 negativn\u00ed nastal\u00e9 \u017eivotn\u00ed ud\u00e1losti. Proto by ka\u017ed\u00fd racion\u00e1ln\u00ed jedinec m\u011bl m\u00edt zaji\u0161t\u011bn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. \u017divotn\u00ed poji\u0161t\u011bn\u00ed je smlouva mezi klientem a poji\u0161\u0165ovnou, kter\u00e1 chr\u00e1n\u00ed klienta p\u0159i …

\u010c\u00edst d\u00e1le \u010c\u00edst d\u00e1le<\/span><\/a><\/p>","datePublished":"2021-08-11","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.iceandfire.cz\/author\/#Person","name":"iceandfire.cz\n","url":"https:\/\/www.iceandfire.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/01173f1da90dde8adb887d6793fa4e42c4004e53f8d645d9b1cb57c2dee8e188?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"iceandfire.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.iceandfire.cz\/wp-content\/uploads\/pr%C3%A1ce%20na%20po%C4%8D%C3%ADta%C4%8Di.PNG","url":"https:\/\/www.iceandfire.cz\/wp-content\/uploads\/pr%C3%A1ce%20na%20po%C4%8D%C3%ADta%C4%8Di.PNG","height":0,"width":0},"url":"https:\/\/www.iceandfire.cz\/zivotni-pojisteni-jako-ochrana\/","about":["Business"],"wordCount":410,"articleBody":" V dne\u0161n\u00ed dob\u011b, kter\u00e1 je n\u00e1chyln\u00e1 na nemoci, \u00farazy a pracovn\u00ed neschopnosti je pot\u0159eba se dostate\u010dn\u011b chr\u00e1nit. D\u016fle\u017eitou ochranou by m\u011bla b\u00fdt hlavn\u011b prevence, kter\u00e1 bude \u0159e\u0161it n\u00e1sledky n\u011bjak\u00e9 negativn\u00ed nastal\u00e9 \u017eivotn\u00ed ud\u00e1losti. Proto by ka\u017ed\u00fd racion\u00e1ln\u00ed jedinec m\u011bl m\u00edt zaji\u0161t\u011bn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. \u017divotn\u00ed poji\u0161t\u011bn\u00ed je smlouva mezi klientem a poji\u0161\u0165ovnou, kter\u00e1 chr\u00e1n\u00ed klienta p\u0159i nastal\u00e9 \u017eivotn\u00ed ud\u00e1losti. Jedn\u00edm z nejd\u016fle\u017eit\u011bj\u0161\u00edch \u017eivotn\u00edch poji\u0161t\u011bn\u00ed je nap\u0159\u00edklad \u017eivotn\u00ed poji\u0161t\u011bn\u00ed proti riziku smrti \u010di trval\u00e9 invalidity. V p\u0159\u00edpad\u011b, \u017ee v\u00e1m nastane takov\u00e1 \u017eivotn\u00ed ud\u00e1lost \u010di situace, jako je pr\u00e1v\u011b invalidita, dostanete vyplacenou pojistku, kter\u00e1 zabezpe\u010d\u00ed v\u00e1s i va\u0161\u00ed rodinu. Ide\u00e1ln\u00ed – pro\u010d si zalo\u017eit si \u017eivotn\u00ed poji\u0161t\u011bn\u00ed co nejd\u0159\u00edve, tedy v ml\u00e1d\u00ed. Pokud si zalo\u017e\u00edte \u017eivotn\u00ed poji\u0161t\u011bn\u00ed po sv\u00e9m 50. roku \u017eivota, poji\u0161\u0165ovny to ji\u017e zahrnuj\u00ed do sv\u00fdch kalkulac\u00ed a nast\u00e1vaj\u00ed ur\u010dit\u00e1 omezen\u00ed a d\u016fvody, pro\u010d by v\u00e1m n\u011bkter\u00e9 \u017eivotn\u00ed ud\u00e1losti nepojistila. S p\u0159ib\u00fdvaj\u00edc\u00edm v\u011bkem, se v\u00e1m \u010d\u00e1stka odvodu pojistn\u00e9ho logicky zvy\u0161uje. Proto je d\u016fle\u017eit\u00e9 si p\u0159ed zalo\u017een\u00edm \u017eivotn\u00edho poji\u0161t\u011bn\u00ed dob\u0159e promyslet, na jak\u00e9 situace budeme poji\u0161t\u011bn\u00ed zakl\u00e1dat. Poji\u0161\u0165ovny tak\u00e9 nab\u00edzej\u00ed mo\u017enost vybrat si, zda budete m\u00edt z\u00e1sadn\u011b pouze \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a tak\u00e9 na jak\u00e9 situace, nebo tak\u00e9 formu spo\u0159en\u00ed tzv. kombinovan\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Kombinovan\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed funguje na b\u00e1zi spo\u0159en\u00ed. Tud\u00ed\u017e vy si spo\u0159\u00edte na p\u0159\u00edpadnou nastalou negativn\u00ed \u017eivotn\u00ed situaci a v p\u0159\u00edpad\u011b, \u017ee takov\u00e1to situace nenastane, se v\u00e1m tyto pojistn\u00e9 odvody \u00faro\u010d\u00ed a vy na tom vyd\u011bl\u00e1te. Bu\u010fte proto zodpov\u011bdn\u00ed a nebojte se oslovit finan\u010dn\u00ed poradce, aby v\u00e1m poradili, jak\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed vybrat. Ur\u010dit\u011b by \u017eivotn\u00ed poji\u0161t\u011bn\u00ed m\u011bli volit hlavn\u011b lid\u00e9, kte\u0159\u00ed maj\u00ed rodinu a mohli b\u00fdt v klidu, \u017ee v p\u0159\u00edpad\u011b, pokud by se jim n\u011bco stalo, bude rodina zabezpe\u010den\u00e1. Je d\u016fle\u017eit\u00e9 nepodce\u0148ovat rizika trval\u00e9ho \u00farazu, \u010di rizika smrti tak\u00e9 v p\u0159\u00edpadech, \u017ee m\u00e1te nebezpe\u010dnou pr\u00e1ci. 4.2\/5 - (12 votes) "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed jako ochrana","item":"https:\/\/www.iceandfire.cz\/zivotni-pojisteni-jako-ochrana\/#breadcrumbitem"}]}]