{"id":5472,"date":"2025-03-19T11:22:01","date_gmt":"2025-03-19T10:22:01","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5472"},"modified":"2025-03-19T11:22:01","modified_gmt":"2025-03-19T10:22:01","slug":"rizikove-zivotni-pojisteni-kde-se-vzalo-a-proc-by-na-ne-mladi-lide-nemeli-zapominat","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2025\/03\/19\/rizikove-zivotni-pojisteni-kde-se-vzalo-a-proc-by-na-ne-mladi-lide-nemeli-zapominat\/","title":{"rendered":"Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed: Kde se vzalo a pro\u010d by na n\u011b mlad\u00ed lid\u00e9 nem\u011bli zapom\u00ednat?"},"content":{"rendered":"

Historie \u017eivotn\u00edho poji\u0161t\u011bn\u00ed: Od Egypta a\u017e po Mutumutu<\/h2>\n

Sou\u010dasn\u00e9 vyu\u017e\u00edv\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed bud\u00ed dojem, \u017ee je vyn\u00e1lezem modern\u00ed doby. Tak to ale nen\u00ed. Poji\u0161\u0165ovnictv\u00ed je ve skute\u010dnosti prastar\u00fd obor, jeho\u017e prvn\u00ed n\u00e1znaky sahaj\u00ed a\u017e do star\u00e9ho Egypta,<\/strong> kde existovaly poh\u0159ebn\u00ed spolky zaji\u0161\u0165uj\u00edc\u00ed d\u016fstojn\u00fd poh\u0159eb sv\u00fdm \u010dlen\u016fm.<\/p>\n

Prvn\u00ed formy poji\u0161t\u011bn\u00ed, podobn\u00e9 t\u011bm dne\u0161n\u00edm, se datuj\u00ed u\u017e kolem roku 1900 p\u0159. n. l. v Babylonii, kde si obchodn\u00edci poji\u0161\u0165ovali karavany. Prvn\u00ed zaznamenan\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> vzniklo v roce 1308 v Pa\u0159\u00ed\u017ei a od t\u00e9 doby se tento produkt neust\u00e1le vyv\u00edj\u00ed. \u017divotn\u00ed poji\u0161t\u011bn\u00ed v\u00a0podob\u011b, jak ji zn\u00e1me dnes, se objevilo v 17. stolet\u00ed v Lond\u00fdn\u011b. M\u00edstem, kde se tenkr\u00e1t uzav\u00edraly v\u00fdznamn\u00e9 obchody, byly kav\u00e1rny.<\/p>\n

V\u00a0roce 1962 vznikla Society for Equitable Assurances on Lives and Survivorships (dnes zn\u00e1m\u00e1 jako Equitable Life), prvn\u00ed \u017eivotn\u00ed poji\u0161\u0165ovna, kter\u00e1 vyu\u017e\u00edvala v\u011bdeck\u00e9 metody v\u00fdpo\u010dtu pojistn\u00e9ho a \u00famrtnostn\u00ed tabulky. Pak u\u017e rozvoji modern\u00edho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed nest\u00e1lo nic v\u00a0cest\u011b.<\/p>\n

Prvn\u00ed \u010desk\u00e1 vz\u00e1jemn\u00e1 poji\u0161\u0165ovna, zalo\u017een\u00e1 v roce 1827, kter\u00e1 s\u00a0\u017eivotn\u00edm poji\u0161t\u011bn\u00edm za\u010dala, m\u011bla v\u00a0nab\u00eddce zaj\u00edmavou kombinaci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed s po\u017e\u00e1rn\u00edm poji\u0161t\u011bn\u00edm.<\/p>\n

Dnes u\u017e existuj\u00ed r\u016fzn\u00e9 modern\u00ed varianty \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, jako je t\u0159eba i na\u0161e rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu<\/strong><\/a>.<\/p>\n

K\u00a0\u010demu je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed dobr\u00e9?<\/h2>\n

Na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed p\u0159ijde \u0159ada v\u011bt\u0161inou ve chv\u00edli, kdy je pot\u0159eba ho sjednat t\u0159eba kv\u016fli hypote\u010dn\u00edmu \u00fav\u011bru. Um\u00edme si p\u0159edstavit v\u00fd\u0161i \u0161kody, dopady na chod rodiny a v\u0161echny pot\u00ed\u017ee, kter\u00e9 by n\u00e1s mohly potkat, kdybychom nemohli hypot\u00e9ku z\u00a0n\u011bjak\u00e9ho d\u016fvodu spl\u00e1cet. A pokud si je p\u0159edstavit neum\u00edme, upozorn\u00ed n\u00e1s na n\u011b banka, pota\u017emo hypote\u010dn\u00ed specialista. Ti si toti\u017e onu d\u016fle\u017eitost uv\u011bdomuj\u00ed \u2013 zkr\u00e1tka a dob\u0159e, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed um\u00ed pomoct s finan\u010dn\u00edmi z\u00e1vazky v\u00a0p\u0159\u00edpad\u011b, \u017ee je p\u0159estanete b\u00fdt schopni, zejm\u00e9na z\u00a0d\u016fvodu dlouhodob\u00e9ho onemocn\u011bn\u00ed, spl\u00e1cet.<\/p>\n

Ale to se net\u00fdk\u00e1 jen t\u011bch, kte\u0159\u00ed maj\u00ed hypot\u00e9ku. Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong><\/a> pom\u00e1h\u00e1 v\u00a0situac\u00edch, jako je v\u00fdpadek p\u0159\u00edjmu p\u0159i dlouhodob\u00e9 pracovn\u00ed neschopnosti<\/strong><\/a>, <\/strong>invalidit\u011b<\/strong><\/a> nebo v p\u0159\u00edpad\u011b smrti<\/strong><\/a>. A to plat\u00ed i pro mlad\u00e9 lidi, kte\u0159\u00ed mo\u017en\u00e1 nemaj\u00ed hypot\u00e9ku, ale maj\u00ed jin\u00e9 z\u00e1vazky \u2013 plat\u00ed n\u00e1jem a r\u016fzn\u00e9 m\u011bs\u00ed\u010dn\u00ed platby a mo\u017en\u00e1 maj\u00ed i n\u011bjak\u00e9 dom\u00e1c\u00ed mazl\u00ed\u010dky, o kter\u00e9 je t\u00e9\u017e pot\u0159eba se postarat.<\/p>\n

Pro\u010d by si mlad\u00ed lid\u00e9 m\u011bli sjednat rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n

Generace Z\u00a0dosp\u00edv\u00e1 v dob\u011b, kdy sv\u00e9 bydlen\u00ed \u0159e\u0161\u00ed \u010dast\u011bji n\u00e1jmem ne\u017e hypot\u00e9kou na vlastn\u00ed bydlen\u00ed. M\u016f\u017ee pak snadno nab\u00fdt dojmu, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nepot\u0159ebuje. <\/a>Opak je ale pravdou!<\/strong><\/a> Mlad\u0161\u00ed generace \u010dasto \u0159\u00edk\u00e1, \u017ee pr\u00e1v\u011b proto, \u017ee si na vlastn\u00ed bydlen\u00ed nejsp\u00ed\u0161 nikdy nena\u0161et\u0159\u00ed, chce si sv\u016fj \u017eivot aspo\u0148 po\u0159\u00e1dn\u011b u\u017e\u00edt<\/strong>. A to p\u0159in\u00e1\u0161\u00ed i vy\u0161\u0161\u00ed \u017eivotn\u00ed n\u00e1klady.<\/p>\n

\u2714 Ne\u010dekan\u00e9 situace se d\u011bj\u00ed i mlad\u00fdm<\/strong> \u2013 \u00faraz p\u0159i sportu<\/a>, dlouhodob\u00e1 nemoc dovezen\u00e1 z cestov\u00e1n\u00ed \u00e0 la backpacker style nebo zkr\u00e1tka jin\u00e1 ud\u00e1lost, kter\u00e1 zp\u016fsob\u00ed, \u017ee najednou nem\u016f\u017eete n\u011bkolik t\u00fddn\u016f, nebo dokonce m\u011bs\u00edc\u016f vyd\u011bl\u00e1vat<\/a>.<\/u><\/p>\n

\u2714 Pln\u011bn\u00ed z rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/strong> m\u016f\u017eete pou\u017e\u00edt na cokoli \u2013 nap\u0159\u00edklad n\u00e1jem, spl\u00e1tky na auto, studentsk\u00e9 p\u016fj\u010dky \u010di men\u0161\u00ed \u00fav\u011bry a kreditky.<\/p>\n

\u2714 Pokud je \u010dlov\u011bk mlad\u00fd a zdrav\u00fd, poji\u0161t\u011bn\u00ed je levn\u011bj\u0161\u00ed<\/strong>, ne\u017e kdy\u017e si ho sjedn\u00e1 pozd\u011bji a m\u00e1 za sebou t\u0159eba i v\u00edce \u00faraz\u016f \u010di nemoc\u00ed.<\/p>\n

Mutumutu je to prav\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro v\u00e1s, pokud hled\u00e1te flexibiln\u00ed, online a transparentn\u00ed produkt<\/strong>. Z\u00e1rove\u0148 jde o poji\u0161t\u011bn\u00ed, kter\u00e9 mluv\u00ed srozumitelnou \u0159e\u010d\u00ed, m\u00e1 jen 7 jednoduch\u00fdch v\u00fdjimek<\/a> a sjedn\u00e1te ho v online kalkula\u010dce do p\u00e1r minut. Pokryje pracovn\u00ed neschopnost, invaliditu i smrt.<\/p>\n

\ud83c\udfaf Bonus:<\/strong> Mutumutu vrac\u00ed a\u017e <\/a>30 % pojistn\u00e9ho zp\u011bt<\/strong><\/a>, pokud \u017eijete zdrav\u011bji. Sta\u010d\u00ed se aspo\u0148 trochu pravideln\u011b h\u00fdbat, nekou\u0159it a navrch chodit na preventivn\u00ed prohl\u00eddky k\u00a0doktorovi.<\/p>\n

Chci Mutumutu<\/a><\/div><\/span><\/a><\/p>\n

Jak\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed si vybrat?<\/h2>\n

Na trhu je mo\u017en\u00e9 si vybrat ze dvou nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00edch typ\u016f \u017eivotn\u00edch poji\u0161t\u011bn\u00ed \u2013 rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n

    \n
  1. Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> \u2013 m\u016f\u017eeme o n\u011bm s\u00a0nads\u00e1zkou \u0159\u00edct, \u017ee n\u00e1m poji\u0161\u0165ovna \u201en\u011bco d\u00e1, kdy\u017e se n\u011bco stane\u201c. Kryje pouze rizika (nap\u0159. invaliditu, smrt, pracovn\u00ed neschopnost nebo \u00faraz) a nem\u00e1 investi\u010dn\u00ed slo\u017eku<\/strong>.<\/li>\n
  2. Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> \u2013 je kombinac\u00ed poji\u0161t\u011bn\u00ed \u017eivota a zdrav\u00ed spolu s investov\u00e1n\u00edm do pod\u00edlov\u00fdch fond\u016f. Od klasick\u00e9ho (rizikov\u00e9ho) \u017eivotn\u00edho poji\u0161t\u011bn\u00ed se li\u0161\u00ed t\u00edm, \u017ee v sob\u011b\u00a0obsahuje investi\u010dn\u00ed slo\u017eku.<\/strong><\/li>\n<\/ol>\n

    Mutumutu nab\u00edz\u00ed rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong>, kter\u00e9 zahrnuje poji\u0161t\u011bn\u00ed smrti, invalidity i pracovn\u00ed neschopnosti \u2013 s minimem v\u00fdluk.<\/p>\n

    \ud83d\udccc Pro\u010d Mutumutu?<\/strong><\/p>\n