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Everyone's life is threatened by many risks that we try to eliminate them or to reduce their consequences. These risks are unexpected so we do not know when they strikes and change our lives. Some risks either directly affect our own lives or the lives of our beloved, or the standard of living of our loved ones. In my thesis, I will focus on the risks associated with injury or civilisation disease that often bring, apart from health complications, also financial problems due to the decline of employment income. To minimize the impacts of the income decline, most people pay for various financial products. Most often, they effect some type of life insurance. In my work, I will introduce basic principles of insurance, types of insurance focusing above all on life insurance. Using questionnaires, I will try to identify how many people have or have not effected any type of life insurance, what type of life insurance people usually effect, whether the risks which could threaten them would be covered by particular insurance according to their needs. I will also set several hypotheses and I will test them statistically to obtain relevant and valid answers.

Diploma thesis Insurance companies products comparison in the market of Czech Republic focuses on the subgroup of life insurance which is term life insurance. Thesis is divided in to the theoretical part, where the situation of Czech insurance market is brought in details and it depicts and analyses life insurance as a whole to emphasize the reason of selection of term life insurance outside of the other types. Theoretical part is constructed the way to enlighten the issues of life insurance for ordinary readers and on other hand to provide professionals working in this sector with useful and beneficial information. The core of the thesis is represented by practical part, where deep analysis of particular products and their interpretation and application on defined groups consisting of different people structures is provided. Thesis is trying to emphasize an importance of ensuring personal well-being via insurance and aspires to be helpful as a tool when choosing a right product of life insurance as well.

Diploma thesis Insurance companies products comparison in the market of Czech Republic focuses on the subgroup of life insurance which is term life insurance. Thesis is divided in to the theoretical part, where the situation of Czech insurance market is brought in details and it depicts and analyses life insurance as a whole to emphasize the reason of selection of term life insurance outside of the other types. Theoretical part is constructed the way to enlighten the issues of life insurance for ordinary readers and on other hand to provide professionals working in this sector with useful and beneficial information. The core of the thesis is represented by practical part, where deep analysis of particular products and their interpretation and application on defined groups consisting of different people structures is provided. Thesis is trying to emphasize an importance of ensuring personal well-being via insurance and aspires to be helpful as a tool when choosing a right product of life insurance as well.

Este estudo objetivou identificar, apresentar e analisar, à luz do trabalho imaterial, o trabalho e a estratégia de viver a vida de músico da cena autoral e independente na sociedade do hiperespetáculo. Sua base teórica foi fundamentada sob a noção de trabalho imaterial (GORZ, 2005; GRISCI, 2006; LAZZARATO; NEGRI, 2001), sociedade do espetáculo (DEBORD, 1997) e hiperespetáculo (LIPOVETSKY 2015), indústria musical e cena musical independente (GALLETA 2014; HERSCHMANN, 2012; MAUDONNET, 2015; NETO, 2015; FRANCIS, 2011; VIVEIRO; NAKANO, 2008), e estratégia existencial consumista (BAUMAN, 2008a; BAUMAN; RAUD, 2017). A pesquisa caracterizou-se como exploratória qualitativa e contou com a participação de quatorze músicos da cena autoral e independente que participaram, pelo menos, de um de dois coletivos de músicos da cena autoral e independente de Porto Alegre/RS e que estão ativos na cena. A coleta de dados se deu pela realização de um grupo focal com seis participantes de um dos coletivos mencionados e entrevistas semiestruturadas com outros oito músicos de ambos os coletivos. A análise de conteúdo seguiu orientações de Minayo (2001) e resultou três categorias de análise: (i) (auto)composição e trabalho imaterial: a difícil arte de ser músico da cena autoral e independente; (ii) música e cena autoral e independente; e (iii) estratégia de viver a vida em busca de afinação. O estudo permitiu mostrar o esforço em busca de afinação como estratégia de viver a vida de músico da cena autoral e independente. Algo que se dá em meio a tensão – consentir, resistir – no que diz respeito aos princípios e valores que circulam na cena independente cada vez mais dependente. A estratégia de viver a vida em busca de afinação explicita o debate entre a harmonia e a cacofonia, mostrando-se condizente com a estratégia existencial consumista (BAUMAN, 2008a; BAUMAND; RAUD, 2017). / This study aimed to identify, present and analyze, based on immaterial labor, the work and the strategy of living of the authoral and independent scene musical life in the hyper-spectacle society. Its theoretical basis was grounded on the notion of immaterial labor (GORZ, 2005; GRISCI, 2006; LAZZARATO; NEGRI, 2001), spectacle society (DEBORD, 1997), hyper-spectacle society (LIPOVETSKY 2015), music industry and independent musical scene (GALLETA 2014; HERSCHMANN, 2012; MAUDONNET, 2015; NETO, 2015; FRANCIS, 2011; VIVEIRO; NAKANO, 2008) and existential consumerist strategy (BAUMAN, 2008a, BAUMAND, RAUD, 2017). The research was characterized as qualitative exploratory and reached the participation of fourteen authoral and independent scene musicians who have participated at least in one of two collective of musicians of the authorial and independent scene of Porto Alegre/RS and that are active in the scene . The data collection occurred through a focus group with six participants from one of the mentioned collectives and semi-structured interviews with eight other musicians from both collectives. Content analysis followed Minayo's (2001) instructions and supported three categories of analysis: (i) (self)composition and immaterial labor: the hard art of being authorial and independent scene musician; (ii) music and authorial and independent scene; and (iii) the strategy of living life looking for tuning. The study allowed to show the effort in looking for tuning as a strategy of living the authoral and independent scene musicians life. Something that occurs through the tension – consenting, resisting – regarding to the principles and values that circulate in the independent scene, increasingly dependent. The strategy of living life looking for tuning explicitly explains the debate between harmony and cacophony, showing itself to consistent with the existential consumerist strategy (BAUMAN, 2008a; BAUMAND, RAUD, 2017).

Este estudo objetivou identificar, apresentar e analisar, à luz do trabalho imaterial, o trabalho e a estratégia de viver a vida de músico da cena autoral e independente na sociedade do hiperespetáculo. Sua base teórica foi fundamentada sob a noção de trabalho imaterial (GORZ, 2005; GRISCI, 2006; LAZZARATO; NEGRI, 2001), sociedade do espetáculo (DEBORD, 1997) e hiperespetáculo (LIPOVETSKY 2015), indústria musical e cena musical independente (GALLETA 2014; HERSCHMANN, 2012; MAUDONNET, 2015; NETO, 2015; FRANCIS, 2011; VIVEIRO; NAKANO, 2008), e estratégia existencial consumista (BAUMAN, 2008a; BAUMAN; RAUD, 2017). A pesquisa caracterizou-se como exploratória qualitativa e contou com a participação de quatorze músicos da cena autoral e independente que participaram, pelo menos, de um de dois coletivos de músicos da cena autoral e independente de Porto Alegre/RS e que estão ativos na cena. A coleta de dados se deu pela realização de um grupo focal com seis participantes de um dos coletivos mencionados e entrevistas semiestruturadas com outros oito músicos de ambos os coletivos. A análise de conteúdo seguiu orientações de Minayo (2001) e resultou três categorias de análise: (i) (auto)composição e trabalho imaterial: a difícil arte de ser músico da cena autoral e independente; (ii) música e cena autoral e independente; e (iii) estratégia de viver a vida em busca de afinação. O estudo permitiu mostrar o esforço em busca de afinação como estratégia de viver a vida de músico da cena autoral e independente. Algo que se dá em meio a tensão – consentir, resistir – no que diz respeito aos princípios e valores que circulam na cena independente cada vez mais dependente. A estratégia de viver a vida em busca de afinação explicita o debate entre a harmonia e a cacofonia, mostrando-se condizente com a estratégia existencial consumista (BAUMAN, 2008a; BAUMAND; RAUD, 2017). / This study aimed to identify, present and analyze, based on immaterial labor, the work and the strategy of living of the authoral and independent scene musical life in the hyper-spectacle society. Its theoretical basis was grounded on the notion of immaterial labor (GORZ, 2005; GRISCI, 2006; LAZZARATO; NEGRI, 2001), spectacle society (DEBORD, 1997), hyper-spectacle society (LIPOVETSKY 2015), music industry and independent musical scene (GALLETA 2014; HERSCHMANN, 2012; MAUDONNET, 2015; NETO, 2015; FRANCIS, 2011; VIVEIRO; NAKANO, 2008) and existential consumerist strategy (BAUMAN, 2008a, BAUMAND, RAUD, 2017). The research was characterized as qualitative exploratory and reached the participation of fourteen authoral and independent scene musicians who have participated at least in one of two collective of musicians of the authorial and independent scene of Porto Alegre/RS and that are active in the scene . The data collection occurred through a focus group with six participants from one of the mentioned collectives and semi-structured interviews with eight other musicians from both collectives. Content analysis followed Minayo's (2001) instructions and supported three categories of analysis: (i) (self)composition and immaterial labor: the hard art of being authorial and independent scene musician; (ii) music and authorial and independent scene; and (iii) the strategy of living life looking for tuning. The study allowed to show the effort in looking for tuning as a strategy of living the authoral and independent scene musicians life. Something that occurs through the tension – consenting, resisting – regarding to the principles and values that circulate in the independent scene, increasingly dependent. The strategy of living life looking for tuning explicitly explains the debate between harmony and cacophony, showing itself to consistent with the existential consumerist strategy (BAUMAN, 2008a; BAUMAND, RAUD, 2017).