{"id":5483,"date":"2025-06-06T08:59:36","date_gmt":"2025-06-06T06:59:36","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5483"},"modified":"2025-09-25T19:05:11","modified_gmt":"2025-09-25T17:05:11","slug":"zivotni-pojisteni-pro-novomanzele","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2025\/06\/06\/zivotni-pojisteni-pro-novomanzele\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed pro novoman\u017eele"},"content":{"rendered":"<p><strong>Svatebn\u00ed sezona je v\u00a0pln\u00e9m proudu. Od \u010dervna do z\u00e1\u0159\u00ed jsou v\u0161echna presti\u017en\u00ed m\u00edsta obsazena nev\u011bstami a svateb\u010dany. Dokonal\u00e1 svatba se mus\u00ed v\u00a0p\u0159edstihu napl\u00e1novat a n\u00e1sledn\u011b precizn\u011b zorganizovat. N\u00e1ro\u010dn\u00fd \u00fakol je pak \u010dasto odm\u011bn\u011bn b\u00e1je\u010dnou atmosf\u00e9rou, \u0161t\u011bst\u00edm a snad i finan\u010dn\u00edmi dary. Ti, kter\u00fdm zbyly s\u00edly a n\u011bjak\u00e9 pen\u00edze, zakon\u010d\u00ed p\u0159\u00edpravu na man\u017eelstv\u00ed poh\u00e1dkov\u00fdmi l\u00edb\u00e1nkami. Po n\u00e1vratu u\u017e je \u010dek\u00e1 spole\u010dn\u00fd man\u017eelsk\u00fd \u017eivot. V\u00a0dobr\u00e9m i zl\u00e9m, ve zdrav\u00ed i nemoci\u2026 Je dobr\u00e9 se na to p\u0159ipravit stejn\u011b, jako jste se p\u0159ipravovali na svatbu.<\/strong><\/p>\n<p>Man\u017eelstv\u00ed neznamen\u00e1 jen spole\u010dn\u00e9 jm\u00e9no a bydlen\u00ed. Pro v\u011bt\u0161inu lid\u00ed je man\u017eelstv\u00ed z\u00e1vazkem na mnoha \u00farovn\u00edch: citov\u00e9, spole\u010densk\u00e9, duchovn\u00ed, ale tak\u00e9 finan\u010dn\u00ed a \u00fa\u0159edn\u00ed. V\u00a0poji\u0161t\u011bn\u00ed pro n\u011b existuje vypov\u00eddaj\u00edc\u00ed term\u00edn \u2013 spole\u010dn\u00fd pojistn\u00fd z\u00e1jem. Pojistn\u00fd z\u00e1jem m\u016f\u017ee znamenat, \u017ee pokud by se jednomu z\u00a0p\u00e1ru n\u011bco p\u0159ihodilo, nap\u0159\u00edklad \u00faraz nebo v\u00e1\u017en\u00e1 nemoc, pro druh\u00e9ho by to znamenalo stejnou \u010di v\u011bt\u0161\u00ed \u00fajmu, jako by se to p\u0159ihodilo jemu sam\u00e9mu.<\/p>\n<p>Man\u017eel\u00e9 sd\u00edlej\u00ed mnohem v\u00edce ne\u017e jen lo\u017ee a l\u00e1sku. P\u0159es spole\u010dn\u00fd n\u00e1jem, koupi vlastn\u00edho bydlen\u00ed, spole\u010dnou hypot\u00e9ku nebo dal\u0161\u00ed \u00fav\u011bry a\u017e po pravideln\u00e9 i mimo\u0159\u00e1dn\u00e9 v\u00fddaje dom\u00e1cnosti. V\u00a0\u201edobr\u00e9m\u201c a \u201eve zdrav\u00ed\u201c na jejich pokryt\u00ed posta\u010d\u00ed pravideln\u00fd p\u0159\u00edjem obou man\u017eel\u016f. Na\u00a0chv\u00edle, kdy do man\u017eelstv\u00ed p\u0159ich\u00e1z\u00ed \u201ezl\u00e9\u201c a \u201enemoci\u201c, je d\u016fle\u017eit\u00e9 se n\u00e1le\u017eit\u011b p\u0159ichystat.<\/p>\n<p>Spole\u010dn\u00fd p\u0159\u00edjem man\u017eel\u016f usnadn\u00ed dostupnost hypot\u00e9ky na bydlen\u00ed nebo \u00fav\u011br\u016f na vybaven\u00ed dom\u00e1cnosti a po\u0159\u00edzen\u00ed auta. Spole\u010dn\u00fd p\u0159\u00edjem rovn\u011b\u017e navy\u0161uje \u017eivotn\u00ed standard, tak\u017ee si rodina m\u016f\u017ee dovolit utr\u00e1cet v\u00edce za kvalitn\u011bj\u0161\u00ed zbo\u017e\u00ed a tr\u00e1ven\u00ed voln\u00e9ho \u010dasu. Jen\u017ee kdy\u017e pak kv\u016fli \u00farazu nebo nemoci jeden z\u00a0p\u0159\u00edjmu vypadne, m\u016f\u017ee b\u00fdt obt\u00ed\u017en\u00e9 s\u00a0polovi\u010dn\u00edm rozpo\u010dtem ust\u00e1t v\u0161echny finan\u010dn\u00ed z\u00e1vazky. A s t\u00edm v\u00e1m pom\u016f\u017ee spr\u00e1vn\u011b nastaven\u00e9 <a href=\"http:\/\/www.mutumutu.cz\/\">\u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>.<\/p>\n<p>Tak\u017ee zav\u0159ete album se svatebn\u00edmi fotkami a polo\u017ete si d\u016fle\u017eit\u00e9 ot\u00e1zky:<\/p>\n<ol>\n<li>Pot\u0159ebujeme \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/li>\n<li>Koho pojistit? Jeho, nebo ji?<\/li>\n<li>Kdy n\u00e1m \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pom\u016f\u017ee?<\/li>\n<li>Co kdy\u017e se v\u00a0na\u0161em \u017eivot\u011b n\u011bco zm\u011bn\u00ed?<\/li>\n<\/ol>\n<h2>Pot\u0159ebujeme \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/h2>\n<p>Spr\u00e1vn\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je pro novoman\u017eele d\u016fle\u017eit\u00e9 z n\u011bkolika kl\u00ed\u010dov\u00fdch d\u016fvod\u016f:<\/p>\n<ul>\n<li>Finan\u010dn\u00ed bezpe\u010dnost pro rodinu<\/li>\n<\/ul>\n<p>Pokud jeden z partner\u016f zem\u0159e, v\u00e1\u017en\u011b onemocn\u00ed nebo z\u016fstane upout\u00e1n na invalidn\u00ed voz\u00edk, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed poskytne finan\u010dn\u00ed podporu pro druh\u00e9ho partnera \u010di rodinu. To je zvl\u00e1\u0161\u0165 d\u016fle\u017eit\u00e9, maj\u00ed-li u\u017e d\u011bti nebo rodinu pl\u00e1nuj\u00ed. Poji\u0161t\u011bn\u00ed m\u016f\u017ee pokr\u00fdt n\u00e1klady na bydlen\u00ed, spl\u00e1tky, vzd\u011bl\u00e1n\u00ed d\u011bt\u00ed a dal\u0161\u00ed \u017eivotn\u00ed v\u00fddaje.<\/p>\n<ul>\n<li>Splacen\u00ed dluh\u016f<\/li>\n<\/ul>\n<p>Novoman\u017eel\u00e9 maj\u00ed \u010dasto spole\u010dn\u00e9 finan\u010dn\u00ed z\u00e1vazky, jako jsou hypot\u00e9ky, p\u016fj\u010dky nebo jin\u00e9 dluhy. \u017divotn\u00ed poji\u0161t\u011bn\u00ed pom\u016f\u017ee se spl\u00e1cen\u00edm t\u011bchto z\u00e1vazk\u016f i v p\u0159\u00edpad\u011b ne\u010dekan\u00e9ho v\u00fdpadku p\u0159\u00edjmu jednoho z\u00a0partner\u016f. Druh\u00e9ho partnera t\u00edm ochr\u00e1n\u00ed p\u0159ed finan\u010dn\u00edm b\u0159emenem.<\/p>\n<ul>\n<li>Zachov\u00e1n\u00ed \u017eivotn\u00edho standardu<\/li>\n<\/ul>\n<p>Pen\u00edze ze \u017eivotn\u00edho poji\u0161t\u011bn\u00ed mohou pomoci udr\u017eet \u017eivotn\u00ed standard rodiny nebo poz\u016fstal\u00fdch, na kter\u00fd jsou zvykl\u00ed, bez nutnosti drastick\u00fdch zm\u011bn \u010di sn\u00ed\u017een\u00ed kvality \u017eivota.<\/p>\n<ul>\n<li>Dlouhodob\u00e9 finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed<\/li>\n<\/ul>\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed je d\u016fle\u017eitou sou\u010d\u00e1st\u00ed dlouhodob\u00e9ho finan\u010dn\u00edho pl\u00e1nov\u00e1n\u00ed a ochrany. Pom\u00e1h\u00e1 zajistit, \u017ee i po tragick\u00e9 ud\u00e1losti budou finan\u010dn\u00ed c\u00edle rodiny, jako je financov\u00e1n\u00ed vzd\u011bl\u00e1n\u00ed d\u011bt\u00ed nebo spo\u0159en\u00ed na d\u016fchod, dosa\u017eiteln\u00e9.<\/p>\n<ul>\n<li>Psychologick\u00e1 jistota<\/li>\n<\/ul>\n<p>V\u011bdom\u00ed, \u017ee m\u00e1te zaji\u0161t\u011bnou finan\u010dn\u00ed ochranu, v\u00e1m m\u016f\u017ee poskytnout klid a pokoj v\u00a0du\u0161i. A vy se m\u016f\u017eete soust\u0159edit na budov\u00e1n\u00ed spole\u010dn\u00e9ho \u017eivota bez neust\u00e1l\u00fdch obav o budoucnost.<\/p>\n<ul>\n<li>Dal\u0161\u00ed v\u00fdhody<\/li>\n<\/ul>\n<p>Zam\u011bstnanci mohou za sjednanou smlouvu z\u00edskat od zam\u011bstnavatele benefit v\u00a0podob\u011b p\u0159\u00edsp\u011bvku na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Kvalitn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed nen\u00ed za hubi\u010dku, tak\u017ee kdy\u017e je t\u00edmto mo\u017enost zlevnit si pojistn\u00e9, m\u016f\u017ee to b\u00fdt dal\u0161\u00ed finan\u010dn\u00ed v\u00fdhoda pro novoman\u017eele.<\/p>\n<p>Spr\u00e1vn\u011b nastaven\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed poskytuje finan\u010dn\u00ed ochranu v p\u0159\u00edpad\u011b ne\u010dekan\u00fdch ud\u00e1lost\u00ed, ale tak\u00e9 podporuje celkovou finan\u010dn\u00ed stabilitu a klid mysli, co\u017e jsou pro novoman\u017eele kl\u00ed\u010dov\u00e9 aspekty p\u0159i budov\u00e1n\u00ed spole\u010dn\u00e9 budoucnosti.<\/p>\n<h2>Koho pojistit?<\/h2>\n<p>Kdy\u017e na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pohl\u00ed\u017e\u00edme <span style=\"text-decoration: line-through;\">j<\/span>ako na n\u00e1hradu p\u0159\u00edjmu, o kter\u00fd by rodina kv\u016fli nemoci \u010di \u00farazu p\u0159i\u0161la, je nasnad\u011b, \u017ee pojistit by se m\u011bl ten, kdo dom\u016f nos\u00ed nejv\u011bt\u0161\u00ed bal\u00edk. S\u00a0n\u00e1zorem \u201eKdy\u017e onemocn\u00ed partner, kter\u00fd je na rodi\u010dovsk\u00e9 dovolen\u00e9, tak se p\u0159ece nic nestane; rodi\u010dovsk\u00fd p\u0159\u00edsp\u011bvek chod\u00ed d\u00e1l a druh\u00fd partner chod\u00ed do pr\u00e1ce a vyd\u011bl\u00e1v\u00e1\u201c v\u00e1s m\u016f\u017ee ne\u010dekan\u00e1 situace po\u0159\u00e1dn\u011b zasko\u010dit. <a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2020\/06\/03\/klietni-mutumutu-cevni-mozkova-prihoda-pomozte-rodine-s-detmi-a-maminkou-na-voziku\/\">Re\u00e1ln\u00e9 p\u0159\u00edb\u011bhy<\/a> na\u0161ich klient\u016f to opakovan\u011b dokazuj\u00ed. Kdy\u017e jeden st\u016fn\u011b, druh\u00fd se mus\u00ed postarat nejen o d\u011bti, spl\u00e1tky, dom\u00e1cnost, ale i o maroda. Kv\u016fli o\u0161et\u0159ov\u00e1n\u00ed \u010dlena dom\u00e1cnosti nem\u016f\u017ee pracovat, p\u0159\u00edjem v\u00fdrazn\u00e9 poklesne, atmosf\u00e9ra doma houstne, proto\u017ee obstarat celou dom\u00e1cnost, d\u011bti i nemocn\u00e9ho partnera m\u016f\u017ee b\u00fdt nadm\u011brn\u00fd stres, kter\u00fd m\u016f\u017ee skon\u010dit\u00a0pracovn\u00ed neschopnost\u00ed kv\u016fli psychick\u00e9mu vy\u010derp\u00e1n\u00ed. Tak\u017ee se pou\u010dte z\u00a0chyb, kter\u00e9 u\u017e ud\u011blali jin\u00ed, a pojist\u011bte se oba. Jak to ud\u011blat spr\u00e1vn\u011b, v\u00e1m porad\u00edme v\u00a0\u010dl\u00e1nku <a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2021\/11\/22\/jak-vybrat-nejlepsi-zivotni-pojisteni\/\">Jak vybrat nejlep\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/a>. A kdo by krom\u011b rodi\u010de na rodi\u010dovsk\u00e9 dovolen\u00e9 m\u011bl ur\u010dit\u011b m\u00edt \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/p>\n<ul>\n<li>Ten, jeho\u017e p\u0159\u00edjem slou\u017e\u00ed k\u00a0\u00fahrad\u011b n\u00e1klad\u016f a z\u00e1vazk\u016f rodiny.<\/li>\n<li>Ten, kdo je jedin\u00fd, kdo v\u00a0rodin\u011b vyd\u011bl\u00e1v\u00e1.<\/li>\n<li>Ten, kdo spl\u00e1c\u00ed hypot\u00e9ku a \u00fav\u011bry, proto\u017ee spl\u00e1tky se mus\u00ed platit ve zdrav\u00ed i nemoci.<\/li>\n<li>Ten, kdo nem\u00e1 \u017e\u00e1dnou nebo velmi malou rezervu na takov\u00e9to krizov\u00e9 situace.<\/li>\n<li>Ten, kdo je OSV\u010c a neplat\u00ed si nemocensk\u00e9 poji\u0161t\u011bn\u00ed, proto\u017ee v\u00a0pracovn\u00ed neschopnosti jeho p\u0159\u00edjem kles\u00e1 na nulu.<\/li>\n<\/ul>\n<h2>Kdy \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pom\u016f\u017ee?<\/h2>\n<p>V\u00a0\u017eivotn\u00edm poji\u0161t\u011bn\u00ed jsou nejd\u016fle\u017eit\u011bj\u0161\u00ed t\u0159i z\u00e1kladn\u00ed situace \u2013 dlouhodob\u00e1 <a href=\"https:\/\/mutumutu.cz\/pojisteni-pracovni-neschopnosti\">pracovn\u00ed neschopnost<\/a>, <a href=\"https:\/\/mutumutu.cz\/pojisteni-invalidity\">invalidita<\/a> a <a href=\"https:\/\/mutumutu.cz\/pojisteni-smrti\">smrt<\/a>. A dobr\u00e9 poji\u0161t\u011bn\u00ed v\u00a0t\u011bchto situac\u00edch dorovn\u00e1v\u00e1 v\u00e1\u0161 chyb\u011bj\u00edc\u00ed p\u0159\u00edjem nebo doplat\u00ed velk\u00e9 z\u00e1vazky rodiny (nap\u0159. \u010d\u00e1st hypot\u00e9ky) a t\u00edm pom\u016f\u017ee pokr\u00fdt pravideln\u00e9 n\u00e1klady dom\u00e1cnosti.<\/p>\n<p>V p\u0159\u00edpad\u011b <a href=\"https:\/\/mutumutu.cz\/co-pojistujeme\">pracovn\u00ed neschopnosti<\/a>, kdy\u017e kv\u016fli nemoci nebo \u00farazu del\u0161\u00ed dobu jeden z\u00a0partner\u016f marod\u00ed, dorovn\u00e1 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed rozd\u00edl mezi nemocensk\u00fdm a platem ze zam\u011bstn\u00e1n\u00ed. T\u00edm se zajist\u00ed, \u017ee rodina m\u00e1 i nad\u00e1le finan\u010dn\u00ed prost\u0159edky na pokryt\u00ed b\u011b\u017en\u00fdch \u017eivotn\u00edch n\u00e1klad\u016f, jako jsou n\u00e1jem, potraviny, \u00fa\u010dty za energie a dal\u0161\u00ed v\u00fddaje. Vy se tak nemus\u00edte stresovat, jak to v\u0161echno zaplat\u00edte. M\u00edsto toho se soust\u0159e\u010fte na brzk\u00e9 uzdraven\u00ed.<\/p>\n<p>U <a href=\"https:\/\/mutumutu.cz\/co-pojistujeme\">invalidity<\/a> je situace o to hor\u0161\u00ed, \u017ee tento zm\u011bn\u011bn\u00fd zdravotn\u00ed stav je trval\u00fd. Tak\u017ee i p\u0159\u00edjem, kter\u00fd n\u00e1sledn\u011b rodina m\u00e1, se dramaticky sn\u00ed\u017e\u00ed a je m\u00e1lo pravd\u011bpodobn\u00e9, \u017ee n\u011bkdy znova naroste do p\u016fvodn\u00ed v\u00fd\u0161e. \u017divotn\u00ed poji\u0161t\u011bn\u00ed v\u00a0t\u00e9to situaci p\u0159in\u00e1\u0161\u00ed n\u011bkolik benefit\u016f. Nap\u0159\u00edklad <a href=\"http:\/\/www.mutumutu.cz\/\">Mutumutu<\/a> poji\u0161t\u011bn\u00ed vypl\u00e1c\u00ed klientovi a\u017e do konce poji\u0161t\u011bn\u00ed, co\u017e m\u016f\u017ee b\u00fdt a\u017e do 65. roku, pravidelnou m\u011bs\u00ed\u010dn\u00ed rentu, kter\u00e1 pom\u016f\u017ee pokr\u00fdt rozd\u00edl mezi p\u016fvodn\u00edm platem a invalidn\u00edm d\u016fchodem. Tak\u017ee standardn\u00ed pravideln\u00e9 n\u00e1klady zvl\u00e1dnete spl\u00e1cet i nad\u00e1le. D\u00e1 v\u00e1m \u010das se tak\u00e9 p\u0159izp\u016fsobit nov\u00e9 situaci. Pln\u011bn\u00ed m\u016f\u017eete pou\u017e\u00edt na \u00fapravu bydlen\u00ed na bezbari\u00e9rov\u00e9, co\u017e usnadn\u00ed \u017eivot nejen posti\u017een\u00e9mu partnerovi, ale cel\u00e9 rodin\u011b. Rovn\u011b\u017e m\u016f\u017ee pokr\u00fdt dodate\u010dn\u00e9 n\u00e1klady na l\u00e9\u010dbu, rehabilitaci a dal\u0161\u00ed zdravotn\u00ed slu\u017eby, kter\u00e9 pomohou k\u00a0stabilizaci a osvojen\u00ed si sebeobsluhy posti\u017een\u00e9ho partnera.<\/p>\n<p>Ne\u010dekan\u00e1 <a href=\"https:\/\/mutumutu.cz\/co-pojistujeme\">smrt<\/a> jednoho z\u00a0partner\u016f znamen\u00e1 pro druh\u00e9ho partnera nejen emocion\u00e1ln\u00ed ztr\u00e1tu, ale i vysok\u00e9 finan\u010dn\u00ed riziko. V p\u0159\u00edpad\u011b, \u017ee jeden z partner\u016f zem\u0159e, v\u00fdplata z \u017eivotn\u00edho poji\u0161t\u011bn\u00ed m\u016f\u017ee pokr\u00fdt n\u00e1klady na poh\u0159eb a dal\u0161\u00ed okam\u017eit\u00e9 v\u00fddaje. D\u00e1le m\u016f\u017ee zajistit finan\u010dn\u00ed prost\u0159edky pro poz\u016fstal\u00e9ho partnera, co\u017e je d\u016fle\u017eit\u00e9, zejm\u00e9na pokud byl zem\u0159el\u00fd partner hlavn\u00edm \u017eivitelem rodiny nebo m\u00e1-li rodina vysok\u00e9 z\u00e1vazky v\u016f\u010di finan\u010dn\u00edm instituc\u00edm.<\/p>\n<h2>Kdy\u017e se v \u017eivot\u011b n\u011bco zm\u011bn\u00ed<\/h2>\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed m\u016f\u017ee a m\u011blo by se p\u0159izp\u016fsobit r\u016fzn\u00fdm zm\u011bn\u00e1m v \u017eivot\u011b, aby st\u00e1le adekv\u00e1tn\u011b pokr\u00fdvalo va\u0161e pot\u0159eby.<\/p>\n<ul>\n<li>Rostouc\u00ed p\u0159\u00edjem<\/li>\n<\/ul>\n<p>\u00dakolem \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je dorovnat chyb\u011bj\u00edc\u00ed p\u0159\u00edjem, o kter\u00fd p\u0159ijdete kv\u016fli l\u00e9\u010den\u00ed nemoci nebo \u00farazu. Kdy\u017e v\u00e1m v\u00a0pr\u00e1ci p\u0159idaj\u00ed, v\u00e1\u0161 p\u0159\u00edjem naroste. S\u00a0vy\u0161\u0161\u00edm p\u0159\u00edjmem se zv\u011bt\u0161uje i propad mezi nemocenskou \u010di invalidn\u00edm d\u016fchodem a platem. Proto je d\u016fle\u017eit\u00e9 svou \u017eivotn\u00ed pojistku pr\u016fb\u011b\u017en\u011b aktualizovat a pojistn\u00e9 \u010d\u00e1stky p\u0159izp\u016fsobovat podle toho, kolik budete pot\u0159ebovat.<\/p>\n<ul>\n<li>Hypot\u00e9ka<\/li>\n<\/ul>\n<p>Na za\u010d\u00e1tku man\u017eelstv\u00ed, kdy je\u0161t\u011b nem\u00e1te \u017e\u00e1dn\u00e9 z\u00e1vazky, v\u00e1m posta\u010d\u00ed z\u00e1kladn\u00ed kryt\u00ed. Pak, kdy\u017e pat\u0159\u00edte k\u00a0t\u011bm \u0161\u0165astn\u011bj\u0161\u00edm nebo finan\u010dn\u011b zdatn\u011bj\u0161\u00edm p\u00e1r\u016fm, si po\u0159\u00edd\u00edte hypot\u00e9ku \u010di \u00fav\u011br na bydlen\u00ed. S\u00a0p\u0159ib\u00fdvaj\u00edc\u00edmi z\u00e1vazky je nezbytn\u00e9 upravit pojistn\u00e9 \u010d\u00e1stky tak, aby pokryly nejen m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky, ale i pomohly doplatit nesplacenou \u010d\u00e1st dluhu, kdyby se to v\u00a0\u017eivot\u011b zvrtlo.<\/p>\n<ul>\n<li>Dal\u0161\u00ed generace<\/li>\n<\/ul>\n<p>S\u00a0p\u0159\u00edchodem d\u011bt\u00ed skokov\u011b narostou pravideln\u00e9 m\u011bs\u00ed\u010dn\u00ed v\u00fddaje dom\u00e1cnosti. Ide\u00e1ln\u00ed je se na to p\u0159ipravit a vytvo\u0159it si dostate\u010dnou rezervu. Ale tak\u00e9 tento n\u00e1r\u016fst v\u00fddaj\u016f zohlednit v\u00a0\u017eivotn\u00edm poji\u0161t\u011bn\u00ed a upravit pojistn\u00e9 \u010d\u00e1stky tak, aby pokryly v\u0161echny nezbytn\u00e9 v\u00fddaje, kdy\u017e na n\u011b kv\u016fli nemoci \u010di \u00farazu nebudete m\u00edt. A nezapome\u0148te na vhodn\u00e9 poji\u0161t\u011bn\u00ed i pro sv\u00e9 d\u011bti.<\/p>\n<ul>\n<li>Zm\u011bna zam\u011bstn\u00e1n\u00ed<\/li>\n<\/ul>\n<p>Obdobn\u011b poji\u0161\u0165ovna posuzuje i rizikovost va\u0161eho povol\u00e1n\u00ed. Jestli\u017ee v\u00a0dob\u011b, kdy si sjedn\u00e1v\u00e1te poji\u0161t\u011bn\u00ed, pracujete nap\u0159\u00edklad jako \u0159idi\u010d, pravd\u011bpodobn\u011b budete m\u00edt pojistn\u00e9 s\u00a0p\u0159ir\u00e1\u017ekou. \u010casem, kdy\u017e zm\u011bn\u00edte pr\u00e1ci a za\u010dnete pracovat jako z\u00e1me\u010dn\u00edk, si m\u016f\u017eete po dohod\u011b s\u00a0poji\u0161\u0165ovnou pojistn\u00e9 sn\u00ed\u017eit. Ale pozor! Funguje to i obr\u00e1cen\u011b. Kdy\u017e zm\u011bn\u00edte zam\u011bstn\u00e1n\u00ed na v\u00edce rizikov\u00e9, m\u011bli byste to poji\u0161\u0165ovn\u011b ozn\u00e1mit. Jinak se vystavujete nebezpe\u010d\u00ed, \u017ee v\u00e1m z\u00a0pojistky vyplat\u00ed m\u00e9n\u011b, ne\u017e budete o\u010dek\u00e1vat.<\/p>\n<h2>Poji\u0161t\u011bn\u00ed pro nesezdan\u00e9 p\u00e1ry<\/h2>\n<p>Atraktivita man\u017eelstv\u00ed z roku na rok kles\u00e1. Modern\u00ed je \u017e\u00edt spolu nez\u00e1vazn\u011b. N\u011bkte\u0159\u00ed lid\u00e9 maj\u00ed osobn\u00ed nebo filozofick\u00e9 d\u016fvody, pro\u010d se necht\u011bj\u00ed vd\u00e1vat \u010di \u017eenit. Mohou v\u011b\u0159it, \u017ee l\u00e1ska a z\u00e1vazek by nem\u011bly b\u00fdt definov\u00e1ny pr\u00e1vn\u00edm aktem, nebo mohou m\u00edt negativn\u00ed n\u00e1zor na instituci man\u017eelstv\u00ed jako takovou. Bez form\u00e1ln\u00edho man\u017eelstv\u00ed mohou m\u00edt p\u00e1ry v\u011bt\u0161\u00ed kontrolu nad sv\u00fdmi financemi a majetkem. V n\u011bkter\u00fdch p\u0159\u00edpadech m\u016f\u017ee b\u00fdt finan\u010dn\u011b v\u00fdhodn\u011bj\u0161\u00ed z\u016fstat nesezdan\u00fd, nap\u0159\u00edklad kv\u016fli da\u0148ov\u00fdm \u00falev\u00e1m, n\u00e1rok\u016fm na soci\u00e1ln\u00ed d\u00e1vky nebo studentsk\u00e9 p\u016fj\u010dky. N\u011bkter\u00e9 p\u00e1ry zjistily, \u017ee jejich finan\u010dn\u00ed situace je lep\u0161\u00ed, pokud si ka\u017ed\u00fd z partner\u016f udr\u017e\u00ed sv\u016fj vlastn\u00ed pr\u00e1vn\u00ed status. Po\u010det p\u00e1r\u016f v\u00a0\u010cesk\u00e9 republice, kter\u00e9 \u017eij\u00ed <a href=\"https:\/\/www.mpsv.cz\/documents\/20142\/225508\/2023+Partnerstv\u00ed+a+rodi\u010dovstv\u00ed.pdf\/d60779a6-d386-2da6-6c1b-e9056ee1c909\">jako man\u017eel\u00e9, ale bez man\u017eelstv\u00ed<\/a>, se za posledn\u00ed dek\u00e1du zdvojn\u00e1sobil z\u00a011,2 na 22,5 procenta.<\/p>\n<p>I kdy\u017e nemaj\u00ed pr\u00e1vn\u00ed status man\u017eel\u016f, stejn\u011b jako man\u017eel\u00e9 sd\u00edlej\u00ed podobn\u00e9 finan\u010dn\u00ed z\u00e1vazky a odpov\u011bdnosti, jako nap\u0159\u00edklad hypot\u00e9ky, p\u016fj\u010dky nebo spole\u010dn\u00e9 v\u00fddaje na dom\u00e1cnost. To znamen\u00e1, jak uv\u00e1d\u00edme v\u00a0\u00favodu, \u017ee \u00fajma jednoho z\u00a0p\u00e1ru dopad\u00e1 rovn\u011b\u017e na druh\u00e9ho.<\/p>\n<p>Nejd\u016fle\u017eit\u011bj\u0161\u00ed je nezapomenout v\u00a0pojistn\u00e9 smlouv\u011b stanovit <a href=\"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2023\/11\/02\/obmyslena-osoba-kdo-to-je-a-jak-s-ni-souvisi-dedictvi\/\">obmy\u0161lenou osobu<\/a>, kter\u00e9 bude v p\u0159\u00edpad\u011b smrti vyplaceno pojistn\u00e9. Kdy\u017e obmy\u0161lenou osobu nestanov\u00edte, pln\u011bn\u00ed bude vyplaceno podle z\u00e1kona. To znamen\u00e1 man\u017eelovi\/man\u017eelce. Kdy\u017e man\u017eelku zem\u0159el\u00fd klient nem\u011bl, pln\u011bn\u00ed dostanou d\u011bti. Kdy\u017e nejsou ani d\u011bti, pln\u011bn\u00ed n\u00e1le\u017e\u00ed rodi\u010d\u016fm. A kdy\u017e u\u017e nejsou ani rodi\u010de, bude pln\u011bn\u00ed p\u0159edm\u011btem d\u011bdick\u00e9ho \u0159\u00edzen\u00ed. O \u017eivotn\u00edm partnerovi nen\u00ed v\u00a0tomto z\u00e1kon\u011b ani sl\u016fvko. Proto, pokud \u017eijete s\u00a0partnerem \u010di partnerkou v\u00a0hlubok\u00e9m svazku, ale bez \u201epap\u00edr\u016f\u201c, nezapome\u0148te v\u00a0pojistce uv\u00e9st konkr\u00e9tn\u00ed osobu, kter\u00e9 chcete, aby poji\u0161\u0165ovna vyplatila pojistn\u00e9 pln\u011bn\u00ed. Jinak by po va\u0161\u00ed smrti va\u0161e drah\u00e1 polovi\u010dka z\u016fstala na spole\u010dn\u00e9 z\u00e1vazky sama a bez pln\u011bn\u00ed. Ani man\u017eel\u00e9, ani nesezdan\u00e9 p\u00e1ry nemaj\u00ed jistotu, \u017ee to tak z\u016fstane na v\u011bky v\u011bk\u016f. Kdy\u017e takov\u00e1 situace u nesezdan\u00e9ho p\u00e1ru nastane, nezapome\u0148te v\u00a0pojistce obmy\u0161lenou osobu zm\u011bnit. Jinak pln\u011bn\u00ed obdr\u017e\u00ed v\u00e1\u0161 \u010di va\u0161e ex.<\/p>\n<p>Po\u0159\u00edzen\u00ed spr\u00e1vn\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed pro novoman\u017eele je kl\u00ed\u010dov\u00fdm krokem k ochran\u011b finan\u010dn\u00ed stability a budoucnosti rodiny. Bez ohledu na to, zda pr\u00e1v\u011b za\u010d\u00ednaj\u00ed spole\u010dnou cestu, nebo ji\u017e maj\u00ed ur\u010dit\u00e9 z\u00e1vazky, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed poskytuje klid a jistotu, \u017ee i v p\u0159\u00edpad\u011b ne\u010dekan\u00fdch ud\u00e1lost\u00ed bude jejich rodina finan\u010dn\u011b zaji\u0161t\u011bna. S\u00a0\u017eivotn\u00edm poji\u0161t\u011bn\u00edm nemus\u00edte sahat do naspo\u0159en\u00fdch rezerv, kdy\u017e nastane ne\u010dekan\u00e1 situace. Pro novoman\u017eele je d\u016fle\u017eit\u00e9 pravideln\u011b aktualizovat jejich poji\u0161t\u011bn\u00ed a p\u0159izp\u016fsobovat ho m\u011bn\u00edc\u00edm se \u017eivotn\u00edm podm\u00ednk\u00e1m, aby m\u011bli jistotu, \u017ee jejich pojistn\u00e1 ochrana st\u00e1le odpov\u00edd\u00e1 jejich aktu\u00e1ln\u00edm pot\u0159eb\u00e1m. T\u00edmto zp\u016fsobem mohou klidn\u011b pl\u00e1novat a u\u017e\u00edvat si spole\u010dn\u00fd \u017eivot s v\u011bdom\u00edm, \u017ee jsou p\u0159ipraveni na v\u0161e, co jim budoucnost p\u0159inese.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.mutumutu.cz\/kalkulacka\/uvod\"><span style=\"font-weight: 400;\"><div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/www.mutumutu.cz\/kalkulacka\/uvod'>Chci se pojistit<\/a><\/div><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Svatebn\u00ed sezona je v\u00a0pln\u00e9m proudu. Od \u010dervna do z\u00e1\u0159\u00ed jsou v\u0161echna presti\u017en\u00ed m\u00edsta obsazena nev\u011bstami a svateb\u010dany. Dokonal\u00e1 svatba se mus\u00ed v\u00a0p\u0159edstihu napl\u00e1novat a n\u00e1sledn\u011b precizn\u011b zorganizovat. N\u00e1ro\u010dn\u00fd \u00fakol je pak \u010dasto odm\u011bn\u011bn b\u00e1je\u010dnou atmosf\u00e9rou, \u0161t\u011bst\u00edm a snad i finan\u010dn\u00edmi dary. Ti, kter\u00fdm zbyly s\u00edly a n\u011bjak\u00e9 pen\u00edze, zakon\u010d\u00ed p\u0159\u00edpravu na man\u017eelstv\u00ed poh\u00e1dkov\u00fdmi l\u00edb\u00e1nkami. Po  &#8230;<\/p>\n","protected":false},"author":49,"featured_media":5484,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[],"class_list":["post-5483","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5483","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\/49"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=5483"}],"version-history":[{"count":3,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5483\/revisions"}],"predecessor-version":[{"id":5526,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/5483\/revisions\/5526"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/5484"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=5483"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=5483"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=5483"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}