[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.mmad.cz\/uzavrit-ci-neuzavrit-zivotni-pojisteni\/#Article","mainEntityOfPage":"https:\/\/www.mmad.cz\/uzavrit-ci-neuzavrit-zivotni-pojisteni\/","headline":"Uzav\u0159\u00edt \u010di neuzav\u0159\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?","name":"Uzav\u0159\u00edt \u010di neuzav\u0159\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?","description":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed lze rozd\u011blit na t\u0159i r\u016fzn\u00e9 druhy, kter\u00e9 v\u00e1m mohou v\u00a0budoucnosti zachr\u00e1nit \u017eivot. Volit m\u016f\u017eete investi\u010dn\u00ed, kapit\u00e1lovou a rizikovou variantu. A\u0165 se rozhodnete pro cokoli, tak si v\u017edy mus\u00edte zodpov\u011bd\u011bt na n\u011bkolik ot\u00e1zek. P\u0159edem si ur\u010dete, na co se chcete soust\u0159edit, kolik chcete m\u011bs\u00ed\u010dn\u011b platit a jak\u00e1 bude celkov\u00e1, kone\u010dn\u00e1 \u010d\u00e1stka. A je\u0161t\u011b jedna … Continue reading \"Uzav\u0159\u00edt \u010di neuzav\u0159\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?\"<\/span><\/a>","datePublished":"2019-02-19","dateModified":"2019-02-19","author":{"@type":"Person","@id":"https:\/\/www.mmad.cz\/author\/#Person","name":"","url":"https:\/\/www.mmad.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/bf8a2da9791e94b6eb5cec245ee5eeceecb651e79e829278e2c546441579397e?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"mmad.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.mmad.cz\/wp-content\/uploads\/img_a337520_w2313_t1550597167.jpg","url":"https:\/\/www.mmad.cz\/wp-content\/uploads\/img_a337520_w2313_t1550597167.jpg","height":0,"width":0},"url":"https:\/\/www.mmad.cz\/uzavrit-ci-neuzavrit-zivotni-pojisteni\/","about":["Pen\u00edze"],"wordCount":466,"articleBody":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed lze rozd\u011blit na t\u0159i r\u016fzn\u00e9 druhy, kter\u00e9 v\u00e1m mohou v\u00a0budoucnosti zachr\u00e1nit \u017eivot. Volit m\u016f\u017eete investi\u010dn\u00ed, kapit\u00e1lovou a rizikovou variantu. A\u0165 se rozhodnete pro cokoli, tak si v\u017edy mus\u00edte zodpov\u011bd\u011bt na n\u011bkolik ot\u00e1zek. P\u0159edem si ur\u010dete, na co se chcete soust\u0159edit, kolik chcete m\u011bs\u00ed\u010dn\u011b platit a jak\u00e1 bude celkov\u00e1, kone\u010dn\u00e1 \u010d\u00e1stka. A je\u0161t\u011b jedna d\u016fle\u017eit\u00e1 v\u011bc. Chcete si zajistit finance pro p\u0159\u00edpad smrti, anebo si chcete naspo\u0159it na d\u016fchod?\t\tRiziko vs. kapit\u00e1l vs. investice\tV\u00a0rizikov\u00e9m poji\u0161t\u011bn\u00ed slo\u017eku spo\u0159en\u00ed nehledejte. Slou\u017e\u00ed toti\u017e jako zabezpe\u010den\u00ed pro \u010dleny rodiny v\u00a0p\u0159\u00edpad\u011b va\u0161\u00ed smrti. Z\u00e1rove\u0148 v\u00e1m m\u016f\u017ee pomoci v\u00a0p\u0159\u00edpad\u011b trval\u00e9 invalidity, t\u011b\u017ek\u00e9ho \u00farazu apod.\t\u00a0\tKapit\u00e1lov\u00e1 verze slou\u017e\u00ed pro p\u0159\u00edpad smrti, ale i do\u017eit\u00ed. Kdy\u017e zem\u0159ete p\u0159ed koncem smlouvy, sjednan\u00e1 \u010d\u00e1stka bude vyplacena rodinn\u00fdm p\u0159\u00edslu\u0161n\u00edk\u016fm. Pokud se ale do\u017eijete konce pojistn\u00e9 smlouvy, smluvenou sumu z\u00edsk\u00e1te jako pen\u00edze na do\u017eit\u00ed.\t\u00a0\tPosledn\u00ed mo\u017enost\u00ed je kombinace dvou p\u0159edchoz\u00edch, a to prost\u0159ednictv\u00edm investi\u010dn\u00ed varianty tohoto produktu. V\u00a0tomto p\u0159\u00edpad\u011b je kone\u010dn\u00e1 \u010d\u00e1stka pohybliv\u00e1 a z\u00e1vis\u00ed pouze na investi\u010dn\u00ed strategii. P\u0159i vypl\u00e1cen\u00ed to chod\u00ed stejn\u011b jako u p\u0159edchoz\u00edch. Po smrti se vypl\u00e1c\u00ed sjednan\u00e1 \u010d\u00e1stka, aktu\u00e1ln\u00ed hodnota na \u00fa\u010dtu nebo oboj\u00ed. P\u0159i do\u017eit\u00ed se vyplat\u00ed moment\u00e1ln\u00ed hodnota \u00faspor.\t\tVelk\u00e1 pozitiva\tJe pochopiteln\u00e9, \u017ee nejv\u011bt\u0161\u00ed v\u00fdhodou je finan\u010dn\u00ed jistota a ochrana, kterou do budoucnosti z\u00edsk\u00e1te. P\u0159i vhodn\u00e9m v\u00fdb\u011bhu z\u00edsk\u00e1te dobr\u00e9 zhodnocen\u00ed. Zajist\u00edte nejen sebe b\u011bhem \u017eivota, ale tak\u00e9 svou rodinu v\u00a0p\u0159\u00edpad\u011b va\u0161\u00ed smrti.\t\u00a0\tNegativa jsou tu tak\u00e9\tNejv\u011bt\u0161\u00edm probl\u00e9mem je, \u017ee kdy\u017e se rozhodnete pro sjedn\u00e1n\u00ed pozd\u011b, tak v\u00e1s m\u016f\u017ee spole\u010dnost odm\u00edtnout kv\u016fli va\u0161emu zdravotn\u00edmu stavu. Kdy\u017e si zvol\u00edte \u0161patnou variantu, tak se va\u0161e pen\u00edze nemus\u00ed v\u016fbec zhodnotit, co\u017e je vzhledem k\u00a0dlouh\u00e9 investici \u0161koda. Nevyplat\u00ed se v\u00e1m ani p\u0159ed\u010dasn\u011b smlouvu zru\u0161it, proto\u017ee v\u00e1s budou \u010dekat pom\u011brn\u011b vysok\u00e9 ztr\u00e1ty.\t\u00a0\tKdy\u017e to nezru\u0161\u00edte a do\u017eijete se konce smlouvy, tak nem\u00e1te jistotu, \u017ee v\u00e1m spole\u010dnost vyplat\u00ed krom\u011b sjednan\u00e9 \u010d\u00e1stky i zhodnocen\u00ed. Mus\u00edte tak\u00e9 po\u010d\u00edtat s\u00a0t\u00edm, \u017ee s\u00a0pen\u011bzi nebudete moci manipulovat d\u0159\u00edve ne\u017e v\u00e1m skon\u010d\u00ed dojednan\u00e1 doba. A vzhledem k\u00a0tomu, \u017ee se uzav\u00edr\u00e1 minim\u00e1ln\u011b na deset let, tak je zapot\u0159eb\u00ed si to dob\u0159e rozmyslet. 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