國人人口結構逐漸老齡化、提早退休、平均餘命延後、長壽風險等多重趨勢下，國人愈重視相關金融理財保險概念以及相關退休規劃等。而國內目前主要勞工保險體系則包含勞工保險、勞保退休金制度、國民年金保險等，而本研究主要欲探討商業保險能否補充勞工保險體系可能給付內容不足地方，以強化台灣勞工老年經濟安全。具體之研究目的包括探討現行台灣勞工相關保險與商業年金保險在制度及內容本質有哪些主要的差異性。其次，分析現行台灣勞工保險體制有哪些可能缺漏。最後，探討商業保險業在因應現行台灣勞工保險體制下之未來發展方向及趨勢為何。在研究方法方面，本研究主要擬針對不同資產層級一般大眾進行實地訪談，搭配文獻資料分析法，結論如下： 1、 勞工保險體制未臻完整得加強活絡現行保險運作機制加以解決 2、 現行勞保體制下，商業保險成為重要補充性保險，並隨著收入情形有不同層面之考量 3、 社會保險制度未來可考量依不同收入階層發展相關配套措施 4、 勞退新制修法草案中的勞工自選平台應有相關配套做法 5、 聯合政府、企業、及民間法人力量等共同推動民眾投入退休生活規劃之完整性 / Facing multiple trends of gradually aging population structure, early retirement, the average life delayed, and longevity risk, more people pay attention to the concept of insurance and related financial plan related to retirement planning. There are labor insurance, labor pension, the national pension insurance, as well as national health insurance that provide social protection for occupation injuries/diseases, old age, health care needs, to name a few. But current social protection may be inadequate to guard against all kinds of life risks. Therefore this study is to investigate the general public perception and expectations toward the current social insurance system. The main objectives of the thesis are as follows: 1. What is the difference between domestic labor insurance and commercial insurance? 2. Analyze the deficiencies of the labor insurance, labor pension, national pension insurance. 3. How does the commercial insurance address the deficiencies of the domestic labor insurance system? 4. Explore the future development or the trend of commercial insurance under the current labor insurance system? The study takes in-depth interviews with the general public of different assets levels. Literature reviews are conducted to explore the proper role that the commercial insurance can play and function given the domestic labor insurance system. Conclusions are as follows: 1. The labor insurance system was not complete and needs to further strengthen and activate the current insurance operation mechanism 2. The commercial insurance has become an important supplementary insurance under the current labor system, and its function differs to people with different levels of income. 3. The social insurance could be reconsidered according to different income groups to develop schemes to meet their needs. 4. Labor pension scheme offers voluntary options that need more policy attention and support.. 5. The collaboration of government, business, and foundations to make retirement planning as priority in people’s life.

The subject of the diploma thesis is financial analysis of Fire Mutual Insurance Company from the year 2004 to 2008. The thesis consists of two parts- theoretical part and practical part. The theoretical part describes acceptable methods of financial analysis of commercial insurance company. On the basis of specific activities of insurance companies are selected the typical indicators for insurance company. The practical part of the thesis is focused on the application of selected methods of financial analysis for the Fire Mutual Insurance Company.

This thesis deals with evaluation of insurance protection of the municipality of Lešná as well as with the analysis and comparison of proposals of insurance protection property of the municipality offered by other commercial insurance companies. Based on risk analysis and the current status of insurance coverage are proposed steps to make it more efficient by using the current offer of insurance products. This thesis also contains recommendations for choosing an insurer with regard to the ratio of the scope of the offered insurance protection and the amount of the premium.

The dissertation deals with the issue related to the proposal of insurance portfolio for the town of Bzenec. Based on the analysis of risks there has been suggested such an insurance portfolio that is to minimize the most serious risks of the city by the means of a commercial insurance company.

The content of the dissertation is an analysis of capital life insurance products offered by AXA insurance company a.s. in comparison to the offer of chosen commercial insurance companies. The result of the dissertation is an improvement suggestion of insurance products on this company in the field of capital life insurance

My grade essay is about investment life insurance comparing betwin Kooperative, a.s. to another competition a theirselves chosen products. The result of my essay is suggestion how to improove isurance produkt for thes company in field life insurance investment.

Master’s thesis deals with analysis and evaluation of all risks for the municipality of Koroužné. An objective of my thesis is suggesting the insurance portfolio on the basis of municipality assets and analysis of risks. It should minimize the incidences of possible realization of the most serious risks of this municipality through the commercial insurance company.

The diploma thesis focuses on life insurance and comparison of life investment insurance by company ČSOB Pojišťovna, a. s., a Member of ČSOB Holding with offerings of competitive insurance products from selected commercial insurance companies. The aim of this diploma thesis is to improve the design parameters of the compared life investment insurance by company ČSOB Pojišťovna, a. s., a Member of ČSOB Holding.

The Master’s thesis deals with evaluation of insurance protection of the Municipality of Albrechtice. The target of this work is to analyze the risk, which endangers the Municipality of Albrechtice and to compare analysis results to existing insurance protection and possibilities offered by other competitors. The proposals of insurance protection improvement of Municipality of Albrechtice in future are included.

Master’s thesis deal with proposal of suitable insurance portfolio for chosen self-employed individual. It contains risk analysis and proposal of an insurance portfolio, that is designed to help the self-employed individual tolerate the most serious risks to activities through commercial insurance.