{"id":1940,"date":"2019-03-18T09:00:48","date_gmt":"2019-03-18T08:00:48","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=1940"},"modified":"2021-02-18T14:23:42","modified_gmt":"2021-02-18T13:23:42","slug":"dva-hraci-na-jednom-hristi-rizikove-a-investicni-zivotni-pojisteni","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2019\/03\/18\/dva-hraci-na-jednom-hristi-rizikove-a-investicni-zivotni-pojisteni\/","title":{"rendered":"Dva hr\u00e1\u010di na jednom h\u0159i\u0161ti: rizikov\u00e9 a investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed"},"content":{"rendered":"

Mo\u017en\u00e1 u\u017e jste n\u011bkdy narazili na term\u00edn investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. A mo\u017en\u00e1 jste v\u016fbec nev\u011bd\u011bli, co dan\u00fd term\u00edn znamen\u00e1. V\u011b\u0159te, \u017ee v tom rozhodn\u011b nejste sami! Co \u017eivotn\u00ed investi\u010dn\u00ed poji\u0161t\u011bn\u00ed obn\u00e1\u0161\u00ed a jak se li\u0161\u00ed od klasick\u00e9ho rizikov\u00e9ho poji\u0161t\u011bn\u00ed, se dozv\u00edte v n\u00e1sleduj\u00edc\u00edm textu. <\/b><\/p>\n

Idea investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> je prost\u00e1: pojist\u00edte se a \u010d\u00e1st va\u0161eho vkladu se v\u00e1m zhodnot\u00ed a vr\u00e1t\u00ed zp\u011bt. U rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed nem\u00e1te mo\u017enost sv\u00e9 pen\u00edze zhodnotit ani si je nem\u016f\u017eete kdykoliv vybrat. To je v\u0161ak z\u00e1m\u011br takov\u00e9ho typu poji\u0161t\u011bn\u00ed<\/a>, kter\u00fd vypl\u00e1c\u00ed pen\u00edze a\u017e v p\u0159\u00edpad\u011b, kdy se n\u011bco stane. <\/span><\/p>\n

Dva v jednom <\/b><\/h2>\n

Uzav\u0159en\u00edm investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed z\u00edsk\u00e1te dva produkty v jednom: pojist\u00edte se a \u010d\u00e1st va\u0161eho vkladu se v\u00e1m \u010dasem zhodnot\u00ed a vr\u00e1t\u00ed zp\u011bt. K tomu je ale nutn\u00e1 ur\u010dit\u00e1 discipl\u00edna a odhodlanost nes\u00e1hnout na investovan\u00e9 pen\u00edze sjednan\u00e9 do konce smlouvy.<\/span><\/p>\n

\"\"
U rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed nem\u00e1te mo\u017enost sv\u00e9 pen\u00edze zhodnotit ani si je nem\u016f\u017eete kdykoliv vybrat. To je v\u0161ak z\u00e1m\u011br takov\u00e9ho typu poji\u0161t\u011bn\u00ed, kter\u00fd vypl\u00e1c\u00ed pen\u00edze a\u017e v p\u0159\u00edpad\u011b, kdy se n\u011bco stane.<\/figcaption><\/figure>\n

Pr\u00e1v\u011b tehdy toti\u017e m\u00e1te mo\u017enost da\u0148ov\u00fdch odpo\u010dt\u016f, co\u017e je jedna z p\u0159edn\u00edch v\u00fdhod investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed. Pokud si pen\u00edze vyb\u00edr\u00e1te v pr\u016fb\u011bhu, o tuto mo\u017enost p\u0159ich\u00e1z\u00edte. Dal\u0161\u00ed v\u00fdhodou je, \u017ee v\u00e1m na takov\u00fd druh poji\u0161t\u011bn\u00ed m\u016f\u017ee p\u0159isp\u011bt i v\u00e1\u0161 zam\u011bstnavatel. Ten m\u00e1 toti\u017e, stejn\u011b jako vy, mo\u017enost da\u0148ov\u00e9ho ode\u010dtu. Ode\u010ditateln\u00fd p\u0159\u00edsp\u011bvek m\u016f\u017ee b\u00fdt i 50 000 ro\u010dn\u011b. <\/span><\/p>\n

Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je p\u0159esto produkt s negarantovan\u00fdmi v\u00fdnosy. Nav\u00edc poji\u0161\u0165ovna sama v\u00e1m pen\u00edze ve fondech zhodnotit nem\u016f\u017ee, a tak je p\u0159eprod\u00e1v\u00e1 do investi\u010dn\u00edch fond\u016f. V takov\u00e9m p\u0159\u00edpad\u011b z\u00e1kazn\u00edk pravideln\u011b plat\u00ed za v\u0161echny \u00fakony spojen\u00e9 s investic\u00ed pen\u011bz. Je tedy na v\u00e1s, jestli zvol\u00edte cestu dvou produkt\u016f v jednom, nebo investujete do n\u011bkter\u00e9ho z pen\u011b\u017en\u00edch fond\u016f \u010di jin\u00e9 instituce p\u0159\u00edmo ur\u010den\u00e9 na zhodnocov\u00e1n\u00ed vklad\u016f.<\/span><\/p>\n

\"\"
Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je produkt s negarantovan\u00fdmi v\u00fdnosy.<\/figcaption><\/figure>\n

Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/b><\/h2>\n

U rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed nem\u00e1te mo\u017enost sv\u00e9 finance zhodnotit a nem\u016f\u017eete si je kdykoliv vybrat. T\u00edm, \u017ee se va\u0161e pen\u00edze nikam nep\u0159epos\u00edlaj\u00ed a nezam\u011bstn\u00e1vaj\u00ed se t\u00edm dal\u0161\u00ed lid\u00e9, neplat\u00edte ani \u017e\u00e1dn\u00e9 poplatky. Pen\u00edze, kter\u00e9 do rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed m\u011bs\u00ed\u010dn\u011b vkl\u00e1d\u00e1te, maj\u00ed jedin\u00fd smysl: kr\u00fdt v\u00e1m z\u00e1da v p\u0159\u00edpad\u011b, \u017ee onemocn\u00edte nebo se v\u00e1m stane n\u011bjak\u00fd \u00faraz<\/a>. A pr\u00e1v\u011b tehdy poji\u0161\u0165ovny vypl\u00e1cej\u00ed pen\u00edze. V ide\u00e1ln\u00edm p\u0159\u00edpad\u011b je ale nikdy neuvid\u00edte, co\u017e znamen\u00e1 jedin\u00e9: \u017eivotem se v\u00e1m da\u0159\u00ed proplouvat bezpe\u010dn\u011b. V Mutumutu v\u00e1m nav\u00edc za to, \u017ee \u017eijete zdrav\u011b, vr\u00e1t\u00ed pravideln\u011b 30 % z pojistn\u00e9ho.<\/span><\/p>\n

V\u00a0Mutumutu\u00a0<\/a>podporujeme ty, kte\u0159\u00ed mysl\u00ed pozitivn\u011b a maj\u00ed r\u00e1di zdrav\u00fd \u017eivotn\u00ed styl. Za radost ze sportu odm\u011b\u0148ujeme vr\u00e1cen\u00edm 20 % z ceny poji\u0161t\u011bn\u00ed. Dal\u0161\u00edch 5 % z\u00edsk\u00e1te za to, \u017ee nekou\u0159\u00edte a 5 % za to, \u017ee chod\u00edte na pravideln\u00e9 l\u00e9ka\u0159sk\u00e9 prohl\u00eddky.<\/strong><\/em><\/p>\n

Chci se dob\u0159e pojistit<\/a><\/div><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Mo\u017en\u00e1 u\u017e jste n\u011bkdy narazili na term\u00edn investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. A mo\u017en\u00e1 jste v\u016fbec nev\u011bd\u011bli, co dan\u00fd term\u00edn znamen\u00e1. V\u011b\u0159te, \u017ee v tom rozhodn\u011b nejste sami! Co \u017eivotn\u00ed investi\u010dn\u00ed poji\u0161t\u011bn\u00ed obn\u00e1\u0161\u00ed a jak se li\u0161\u00ed od klasick\u00e9ho rizikov\u00e9ho poji\u0161t\u011bn\u00ed, se dozv\u00edte v n\u00e1sleduj\u00edc\u00edm textu. Idea investi\u010dn\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je prost\u00e1: pojist\u00edte se a \u010d\u00e1st va\u0161eho …<\/p>\n","protected":false},"author":23,"featured_media":1942,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[94,215,214,38,32,59,213,66],"class_list":["post-1940","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-30-pojisteni-zpet","tag-investice","tag-investicni-zivotni-pojisteni","tag-online-pojisteni","tag-pojisteni","tag-pojisteni-zivota","tag-rizikove-zivotni-pojisteni","tag-zivotni-pojisteni-online"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1940","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=1940"}],"version-history":[{"count":5,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1940\/revisions"}],"predecessor-version":[{"id":2815,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1940\/revisions\/2815"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/1942"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=1940"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=1940"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=1940"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}