[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.zerba.cz\/jake-zivotni-pojisteni-zvolit\/#Article","mainEntityOfPage":"https:\/\/www.zerba.cz\/jake-zivotni-pojisteni-zvolit\/","headline":"Jak\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed zvolit?","name":"Jak\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed zvolit?","description":"Rozhodnout se pro \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed je\u0161t\u011b tak slo\u017eit\u00e9, jako vybrat to spr\u00e1vn\u00e9. I kdy\u017e je na trhu spousta produkt\u016f a r\u00e1d v\u00e1m s t\u00edm pom\u016f\u017ee kdejak\u00fd finan\u010dn\u00ed poradce \u010di finan\u010dn\u00ed \u00fastav, je\u0161t\u011b to neznamen\u00e1, \u017ee pro v\u00e1s je to to nejlep\u0161\u00ed. Spr\u00e1vn\u00e9 napasov\u00e1n\u00ed \u017eivotn\u00ed pojistky je toti\u017e pom\u011brn\u011b komplikovan\u00fd proces. V\u017edy je t\u0159eba spr\u00e1vn\u011b &hellip;<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.zerba.cz\/jake-zivotni-pojisteni-zvolit\/\"> <span class=\"screen-reader-text\">Jak\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed zvolit?<\/span> Pokra\u010dovat ve \u010dten\u00ed &raquo;<\/a><\/p>","datePublished":"2021-06-09","dateModified":"2023-04-29","author":{"@type":"Person","@id":"https:\/\/www.zerba.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.zerba.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/30f99868bdc637a3107fd3940cfc0bc4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"zerba.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a316265_w1729_t1527192839.jpg","url":"https:\/\/zerba.cz\/wp-content\/uploads\/img_a316265_w1729_t1527192839.jpg","height":"","width":""},"url":"https:\/\/www.zerba.cz\/jake-zivotni-pojisteni-zvolit\/","about":["Poji\u0161t\u011bn\u00ed"],"wordCount":476,"articleBody":"Rozhodnout se pro \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed je\u0161t\u011b tak slo\u017eit\u00e9, jako vybrat to spr\u00e1vn\u00e9. I kdy\u017e je na trhu spousta produkt\u016f a r\u00e1d v\u00e1m s t\u00edm pom\u016f\u017ee kdejak\u00fd finan\u010dn\u00ed poradce \u010di finan\u010dn\u00ed \u00fastav, je\u0161t\u011b to neznamen\u00e1, \u017ee pro v\u00e1s je to to nejlep\u0161\u00ed. Spr\u00e1vn\u00e9 napasov\u00e1n\u00ed \u017eivotn\u00ed pojistky je toti\u017e pom\u011brn\u011b komplikovan\u00fd proces. V\u017edy je t\u0159eba spr\u00e1vn\u011b pohl\u00ed\u017eet na v\u00fd\u0161i pojistn\u00e9ho a tak\u00e9 na typ pojistn\u00e9 \u010d\u00e1stky. Ka\u017ed\u00fd z n\u00e1s by tak\u00e9 m\u011bl v\u011bd\u011bt, jak\u00e9 je riziko zm\u011bny v pr\u016fb\u011bhu \u010dasu a jak\u00e1 \u010d\u00e1stka bude p\u0159\u00edpadn\u011b vyplacena, pokud se n\u011bco p\u0159ihod\u00ed v dalek\u00e9 budoucnosti.\tNyn\u00ed existuj\u00ed internetov\u00e9 n\u00e1stroje, kter\u00e9 pom\u016f\u017eou i laik\u016fm naj\u00edt spr\u00e1vn\u00fd produkt pr\u00e1v\u011b pro n\u011b. Pokud ne spr\u00e1vn\u00fd produkt, tak alespo\u0148 pom\u016f\u017eou v tom, \u017ee si doty\u010dn\u00fd dok\u00e1\u017ee ud\u011blat p\u0159edstavu o tom, jak trh poji\u0161t\u011bn\u00ed funguje a jak\u00e9 jsou aktu\u00e1ln\u011b dostupn\u00e9 produkty&nbsp; a jak\u00e9 m\u00e1 t\u00edm p\u00e1dem mo\u017enosti.\t\tZ\u00e1kladn\u00ed v\u011bc\u00ed, na kterou byste se m\u011bli p\u0159i v\u00fdb\u011bru zam\u011b\u0159it:\t&middot;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; typ pojistn\u00fdch \u010d\u00e1stek\tMezi t\u011bmito produkty b\u00fdv\u00e1 zpravidla rozd\u00edl v cen\u011b. Je to z toho d\u016fvodu, \u017ee u klesaj\u00edc\u00ed pojistky se \u010d\u00e1stka automaticky m\u011bn\u00ed na ni\u017e\u0161\u00ed pojistnou ochranu s p\u0159ib\u00fdvaj\u00edc\u00edm \u010dasem. T\u00edm se samoz\u0159ejm\u011b m\u011bs\u00ed\u010dn\u00ed \u010d\u00e1stka sni\u017euje a pojistka je pak levn\u011bj\u0161\u00ed. U konstantn\u00ed \u010d\u00e1stky je to samoz\u0159ejm\u011b st\u00e1le stejn\u00e1 v\u00fd\u0161e p\u0159\u00edpadn\u00e9ho od\u0161kodn\u011bn\u00ed.\t\u25e6&nbsp;&nbsp;&nbsp;&nbsp; Klesaj\u00edc\u00ed\tPokud si zvol\u00edte klesaj\u00edc\u00ed pojistnou \u010d\u00e1stku, m\u00e1te jasn\u00e9, \u017ee suma v p\u0159\u00edpad\u011b \u0161kodn\u00e9 ud\u00e1losti bude jin\u00e1, ne\u017e v moment\u011b, kdy jste se pojistili. V\u00fdhodou takov\u00e9 klesaj\u00edc\u00ed pojistky je to, \u017ee je levn\u011bj\u0161\u00ed, ne\u017e pojistka s konstantn\u00ed \u010d\u00e1stkou. Zvolen\u00e1 v\u00fd\u0161e poji\u0161t\u011bn\u00ed pak kles\u00e1 p\u0159esn\u011b podle dan\u00e9ho kl\u00ed\u010de. Pokud tedy zvol\u00edte pojistku na 1 000 000,- K\u010d na dobu 30 let, v dal\u0161\u00edm roce to bude ji\u017e 966.666,- K\u010d a za dal\u0161\u00ed rok to bude 933.333,- K\u010d a d\u00e1le se v budoucnu bude v\u017edy tato \u010d\u00e1stka sni\u017eovat. \t\u25e6&nbsp;&nbsp;&nbsp;&nbsp; Konstantn\u00ed\tTato pojistn\u00e1 \u010d\u00e1stka tedy zaru\u010duje, \u017ee po celou dobu poji\u0161t\u011bn\u00ed jste poji\u0161t\u011bni na stejnou \u010d\u00e1stku. Pokud se tedy pro p\u0159\u00edpad smrti nyn\u00ed pojist\u00edte na jeden milion korun, za dvacet let to bude zase jeden milion korun. U tohoto p\u0159\u00edpadu pak cena poji\u0161t\u011bn\u00ed automaticky s v\u011bkem roste, proto\u017ee se zvy\u0161uje riziku toho, \u017ee dojde k pojistn\u00e9 ud\u00e1losti.                                                                                                                                                                                                                                                                                                                                                                                                 "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Jak\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed zvolit?","item":"https:\/\/www.zerba.cz\/jake-zivotni-pojisteni-zvolit\/#breadcrumbitem"}]}]