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Problematika životního pojištění zaměstnanců vybraného podnikatelského subjektu / Problems of Life Insurance of Employees in Selected CompanyČípová, Gabriela January 2009 (has links)
This Master's thesis is engaged in questions of the life insurance of employees in the selected compeny. It includes a draft of the current state of the employee's insurance, insurance compeny offer in scope of life insurance, their comparision for engaged criteria and recommendations for improvement of insurance protection.
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Návrh na zlepšení Investičního životního pojištění společnosti Kooperativa pojišťovna, a.s. / The Propsal of Improve of Live Investment Insurance by Company Kooperativa pojišťovna, a.s.Plachetská, Zuzana January 2009 (has links)
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.
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Alternativní způsoby financiování bydlení v České republice / Alternative Ways of Housing Funding in the Czech RepublicSýkorová, Renáta January 2010 (has links)
This thesis focuses on alternative ways of house financing in the Czech Republic. The attention is basically concentrated on mortgages and loans provided by the building society, including bridging loans and bridging different combinations of mortgage loans. Individual variations of financing options for housing are analyzed and then compared with each other.
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Investiční životní pojištění a způsoby jeho optimálního nastavení pro klienty společnosti Partners For Life Planning, a.s. / Investment Life Insurance and the Methods of Its Optimal Petting for Clients of Company Partners For Life Planning, Corp.Chromá, Zuzana January 2012 (has links)
This thesis is engaged in questions of investment live insurance and its practical aplication for selected group of 50 clients of Partners For Life Planning, Corp. The scope of the thesis is the optimization of a sum insured setting by a death insurance, permanent accidental disability, serious illness and disability for people in various life situations. It includes insurance company offer in scope of investment life insurance, their comparision for engaged criteria and discussion of results. And than it confronts these results with a group of 50 life insured people.
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Investiční životní pojištění / Investment Life InsuranceTilšerová, Pavlína January 2012 (has links)
The main of the master’s thesis is to determine current opportunities of investment life insurance in the Czech Republic. In the theoretical part of the thesis, the basic concepts of life insurance and investment life insurance are specified. In the practical part, the statistical analysis of insurance market development in the Czech Republic is presented. The work further provides the comparison of investment life insurance products of selected insurance institutions. The comparison is made on the basis of selected parameters and model examples. Conclusions and recommendations of this study could help to everybody participated in pension system and with a focus on modern form of life insurance.
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Analysing the various approaches to the determination of economic capital by South African life insurersBeukes, Nicky 12 1900 (has links)
Thesis (MBA (Business Management))--Stellenbosch University, 2008. / ENGLISH ABSTRACT: There are conflicting aims among the various stakeholders of a business. Shareholders
wish to maximise their return on capital, whereas debt holders and customers wish to
minimise the risk to capital. This conflict has led to the emergence of economic capital.
Financial services companies, such as insurers, manage risk on behalf of their
customers and at the same time make profits for the shareholders of the business. A
company that employs economic capital analysis will strike a balance between too
much capital, which can lead to an excessive cost of insurance, or not enough capital,
which can lead to an unacceptable risk of insolvency.
Sound financial management is required to manage the capital resources of the
business. The aim on the part of management is to calculate an economic capital
requirement for the business that can absorb any financial shocks or losses and provide
the flexibility needed to continue with day·to·day operations. The issue is therefore
whether to assess the amount of capital required based on a statutory view of solvency,
or an "economic" (fair value) view of solvency. The statutory view of solvency is the
capital adequacy requirement (CAR) as described by the Financial Services Board
(FSB). CAR provides the insurer with an approximately 95% confidence in its ability to
meet its obligations as they fall. More companies are moving towards an economic
capital approach when assessing capital requirements.
There is also much uncertainty around the calculation of economic capital. Apart from
guidance note 104 of the Actuarial Society of South Africa that stipulates how CAR
should be calculated for insurers, no single approach exists for the calculation of
economic capital. Calculation methods are still emerging and companies have started to
develop their own internal models to calculate economic capital. Rating agencies such
as Fitch have introduced their own models with the objective of reviewing insurers'
internal models. Various techniques have developed over the last few years to asses a
company's capital requirements. Factors such as company size, resources and
complexity of the insurer influence the use of deterministic or leading edge actuarial
techniques to calculate capital requirements. Stochastic modelling, risk neutral and real
world techniques are examples of sophisticated methods.
Another element to consider in the calculation of economic capital is the understanding,
modelling and quantification of financial and business risks.
Capital adequacy requirement, CAR cover and excess of assets over liabilities were
analysed for five South African insurers. The analysis illustrated that the relationship
between CAR and excess is different for each insurer. This trend can be attributed to
the unique risk profile of the business, the nature of the organisation's products and the
maturity of risk management practices. The analysis also indicated that in the case of all
the five insurers, the growth in excess over the period 2003-2007 exceeded the growth
in CAR for the same period. This scenario could be the result of management actions,
such as risk diversification and sophistication of capital modeling.
It is clear that economic capital is of primary concern to insurance executives,
shareholders and regulators. / AFRIKAANSE OPSOMMING: Die verskillende belanghebbendes in 'n onderneming het teenstrydige doelwitte.
Aandeelhouers wil hulle kapitaalopbrengs vergroot terwyl skuldaktehouers en klante die
kapitaalrisiko wil verminder. Hierdie konflik het gelei tot die ontstaan van ekonomiese
kapitaal. Finansiele dienstemaatskappye, soos versekeraars, bestuur risiko namens
hulle kliente en verdien terselfdertyd wins vir die aandeelhouers van die onderneming.
'n Maatskappy wat van ekonomiese kapitaalanalise gebruik maak, sal die regte balans
vind tussen te veel kapitaal, wat tot buitensporige versekeringskoste kan lei, en te min
kapitaal, wat tot 'n onaanvaarbare risiko van bankrotskap kan lei.
Gesonde finansiele bestuur is nodig om die onderneming se kapitaalmiddele te bestuur.
Die bestuurders se doel is om 'n ekonomiese kapitaalvereiste vir die onderneming vas te
stel wat enige finansiele skokke of verliese kan absorbeer en wat die buigsaamheid wat
nodig is om die daaglikse werksaamhede voort te sit, kan voorsien. Die vraag is dus of
die hoeveelheid kapitaal wat nodig is, bepaal moet word op grond van 'n statutere
beskouing van solvensie of 'n "ekonomiese" (billike waarde) beskouing van solvensie.
Die statutere beskouing van solvensie is die kapitaaltoereikendheidsvereiste (KTV)
soos beskryf deur die Raad op Finansiele Dienste (RFD). KTV voorsien die versekeraar
van 'n vertroue van ongeveer 95% in sy vermoe om sy verpligtinge na te kom soos wat
hulle betaalbaar word. Meer maatskappye neig na 'n ekonomiese kapitaalbenadering
wanneer hulle hulle kapitaalbehoeftes bepaal.
Daar bestaan ook baie onsekerheid oor die berekening van ekonomiese kapitaal.
Behalwe riglyn 104 van die Aktuariele Vereniging van Suid-Afrika wat bepaal hoe KlV
vir versekeraars bereken moet word, is daar geen enkele benadering vir die berekening
van ekonomiese kapitaal nie. Nuwe berekeningsmetodes kom steeds te voorskyn en
maatskappye het begin om hulle eie interne modelle om ekonomiese kapitaal te
bereken, te ontwikkel. Graderingsagentskappe soos Fitch het hulle eie modelle ingestel
met die doel om versekeraars se interne modelle te beoordeel. Verskeie tegnieke om 'n
maatskappy se kapitaalbehoeftes vas te stel, is oor die afgelope paar jaar ontwikkel.
Faktore soos maatskappygrootte, hulpbronne en saamgesteldheid van die versekeraar
belnvloed die gebruik van deterministiese of ultramoderne aktuariele tegnieke om
kapitaalbehoeftes te bereken. Stogastiese modellering, risikoneutrale- en reelewereldtegnieke
is voorbeelde van gesofistikeerde metodes.
Nog 'n beginsel om in gedagte te hou in die berekening van ekonomiese kapitaal is die
verstaan, modellering en kwantifisering van finansiele en sakerisiko's.
Kapitaaltoereikendheidsvereiste-dekking en oorskryding van bates oor aanspreeklikheid
van vyf Suid-Afrikaanse versekeraars is ontleed. Die ontleding het geillustreer dat die
verhouding tussen KTV en oorskryding vir elke versekeraar anders is. Hierdie neiging
kan toegeskryf word aan die unieke risikoprofiel van die onderneming, die aard van die
onderneming se produkte en die effektiwiteit van risikobestuurspraktyke. Die ontleding
het ook aangedui dat die toename in die oorskryding gedurende die tydperk 2003-2007
in die geval van al vyf die versekeraars meer was as die toename in KTV gedurende
dieselfde tydperk. Hierdie scenario kan die gevolg wees van bestuursaksies soos
risikodiversifikasie en verfyning van kapitaalmodellering.
Dit is duidelik dat ekonomiese kapitaal van pnmere belang is vir
versekeringsbestuursbeamptes, -aandeelhouers en -reguleerders.
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From life insurance to financial services : a historical analysis of Sanlam's client base, 1918-2004Halleen, Simone 12 1900 (has links)
Thesis (PhD)-- Stellenbosch University, 2013. / ENGLISH ABSTRACT: Sanlam has long been stereotyped as an Afrikaans company. It has been positioned in Afrikaner nationalist historiography as one of a number of Afrikaner economic, cultural and political institutions that emerged alongside British ones in the early twentieth century as Afrikaners strove to assert their identity and independence. Much of the existing literature on the history of Sanlam has focused on the role that the company played in promoting this independence by mobilising savings for investment in Afrikaner businesses. This study challenges this conventional view of Sanlam. It argues that Sanlam was established as a South African company in a British industry of which the inclusion and empowerment of Afrikaners formed one aspect. It was a national institution that tried to represent South Africa at all levels. This study demonstrates Sanlam’s inclusiveness as a South African company by analysing its client profile from its establishment as a modest life insurance company in 1918 to its transformation into a diversified financial services group by 2004. It shows that Sanlam did not only target and attract Afrikaans-speaking clients, but included as wide a spectrum of clients as possible within the political and market constraints of the time. It did this by operating as a bilingual company, including working classes through industrial insurance and group schemes and by offering non-traditional life insurance products and ancillary financial services that met a range of needs. In this way Sanlam set itself apart from its competitors. Its clients included people from both sides of the demographic and social divide. Clients included English and Afrikaans-speakers, blacks and whites, young and old, male and female, and lower and upper class. Restrictions and exclusions were based on risk and not on race, sex or class. Sanlam broadened its prospects even further into the South African market during the second half of its history. This was in response to events such as the formation of the Republic in 1961, the growth of the South African economy, the deregulation of the financial sector in the 1980s and 1990s, and the collapse of Apartheid in the early 1990s. By 2004 Sanlam had completed its transformation into a diversified financial services group that provided a range of life insurance and financial services solutions for individuals, groups and businesses from various walks of life. The Group could now shift its focus not only onto further expansion into the South African and neighbouring African markets, but onto the rest of Africa and other emerging markets abroad. / AFRIKAANSE OPSOMMING: Sanlam is lank reeds bekend as ‘n Afrikaanse maatskappy, een van ‘n aantal ekonomiese, kulturele en politieke instellings wat gedurende die vroeë twintigste eeu ontwikkel het met die doel om die Afrikaner se identitieit en onhafhanklikheid te bevorder. Bestaande literatuur oor die geskiedenis van Sanlam fokus sterk op die rol van die maatskappy deur sy verkryging van belegggings vir Afrikanerbesighede. Hierdie studie betwis so ‘n konvensionele siening van Sanlam. Dit betoog dat Sanlam gestig is as ‘n Suid-Afrikaanse maatskappy in ‘n Britse industrie, waar die insluiting en bemagtiging van die Afrikaner slegs een aspek gevorm het. Sanlam was ‘n nasionale genootskap wat Suid-Afrika op alle vlakke probeer verteenwoordig het. Die studie toon Sanlam se insluiting as ‘n Suid-Afrikaanse maatskappy, deur ‘n ontleding van sy kliënteprofiel sedert sy stigting as ‘n beskeie lewensversekeringsmaatskappy in 1918 tot met sy transformasie in 2004 as ‘n gediversifieerde finansiële dienste groep. Dit wys dat Sanlam nie net Afrikaanssprekende kliënte bedien het nie, maar ‘n wye teikengroep binne die politieke en mark beperkinge van die spesifieke era. Albei amptelike landstale is gebruik, die werkersklas is deur industriële versekering en groepskemas betrek en nie-tradisionele lewensversekeringsprodukte en finansiële dienste is aangebied. Hierin het Sanlam homself van sy mededingers onderskei. Kliënte het mense van alle demografiese en sosiale verskille ingesluit. Daar was Engels- en Afrikaanstaliges, swart en wit, jonk en oud, manlik en vroulik, en polishouers van die laer en hoër klasse. Sanlam het gedurende die tweede helfte van sy geskiedenis verder in die Suid-Afrikaanse mark uitgebrei. Dit was in antwoord op gebeure soos die stigting van die Republiek in 1961, die groei van die ekonomie, die deregulering van die finansiële sektor in die 1980s en 1990s, en die beëindiging van apartheid gedurende die vroeë 1990s. Teen 2004 was Sanlam volkome getransformeer tot ‘n gediversifiseerde finansiële dienste groep met ‘n reeks lewensversekering- en finansiële produkte beskikbaar aan individue, groepe en besighede uit alle dele van die bevolking. Die Groep kon nou uitbrei, nie net in Suid-Afrika en sy buurlande nie, maar na die res van Afrika en ander opkomende markte oorsee.
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To identify the critical successful factors especiallly in the area ofclientele networking of successful life insurance agentsNg, Ka-bo, Lisa., 吳家寶. January 1999 (has links)
published_or_final_version / Business Administration / Master / Master of Business Administration
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家庭規劃人壽保險之研究羅玫玲, Luo, Mei-Ling Unknown Date (has links)
No description available.
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人壽保險契約轉換制度之研究洪敏三, HONG, MIN-SAN Unknown Date (has links)
No description available.
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