The primary object of the thesis is focused on explanation of process of underwritting in insurance business. Considerable attention is devoted differences between underwritting in life and non-life insurance. Emphasis is put on differentiation of standardized and individualized type of insurance. The diploma paper is also dealt with specific process of risk management in insurance company.

This diploma thesis deals with the investment life insurance. Investment life insurance combines the classical life insurance and the investments in open-end mutual funds. It is a widely discussed financial product, especially for its high expensiveness. Nevertheless, the investment life insurance holds a significant share of the insurance market. The aim of this diploma thesis is the analysis and exploration of investment life insurance market in Czech Republic. The thesis consists of theoretical and practical part. In theoretical part the basic concepts of this insurance product are defined. Theoretical part further contains the theory related to time series analysis and the description of mutual funds. Practical part deals with the five most significant insurance companies in Czech Republic, compares various mutual funds and analyses the selected mutual fund in detail. The forecast of selected mutual fund price development was performed. It turned out that the price forecasting is complicated because of variety of factors affecting the price behaviour. Further, the calculations of insurance premiums and technical provisions were performed. MS Excel was used for the calculations and the time series analysis was performed using the statistical software Eviews. Diploma thesis assists the readers with the orientation in the investment life insurance problematics.

The thesis deals with financial products, which the state supports, whether by the state concessions or tax contributions restricts or even specifies the exact amount of the interest rate on a loan supporting the acquisition of own housing. The thesis is focus on the stimulus, which state uses. How citizens use the aid they receive from the state. The development of these incentives in the past, and an easy overview of what remains for the changes planned. In the practical part is shown, what brings financial products with support to households and what is the impact on their family budget. In a brief overview is included, as people use different products in recent years.

State tax revenues are the main component of financial flows to the state budget, and therefore subject to taxation almost all human activity, including the insurance sector. The most important connection between taxes and insurance branch represents income taxes levied by insurance companies. But their activities are also subject to other taxes, all of them together influence the activities and decisions of insurance companies in the area of funding in order to reduce the levied tax. Taxes impact on decisions of citizens which they try to influence in favor of the products and services beneficial to their lives and the state. Among them also include the private life insurance. The impact of taxation on insurance companies, factors affecting the amount of tax levied by insurance companies and compare the tax liability between insurance companies, next the way of tax savings and tax relief for inhabitants connected with insurance products processed this work.

The topic of this diploma thesis is the taxation issue in insurance which represents the specific sector of economy. The insurance helps people to deal with the financial consequencies of the realization of the random event. The first part of the thesis consists of taxation matter from the insurance company point of view. The main part focuses on the technical reserves which are the largest part of the liabilities. Consequently the attention is turned to the clients of the insurance companies and their employers In this part it is suitable to present the taxation principles of the natural person, the taxation of indemnity and the advantages resulting from the life insurance. The next chapter deals with the possible future developement and with the present situation on the insurance market. The thesis is completed with a practical example which concentrates on the taxation in 3 predefined situations.

This Master´s thesis covers the subject of supplementary pension insurance and life insurance contributions as new benefits for employees of the DISTEP a.s. company. Master´s thesis comprises a complex project for integration of supplementary pension and life insurance into the current employee benefit system in the company, analysis of benefits currently provided and advancement recommendations.

This Master´s thesis is focused on wide range of products concerning life insurance. It includes analysis of life insurance and describes the situation of this issue in the Czech Republic. Life insurance as a market product is described in detail in Česká pojišťovna a. s. The results from the mentioned analysis are applied on life insurance products and give suitable choices of this type of insurance to different group of clients.

The diploma thesis focuses on the present-day system of social security in the Czech Republic. The pension system is analyzed in detail and compared to systems in other countries. It shows the differences among all the various ways of financing the pension systems and the columns it is supported by, also listing all the reasons for the reform of the pension system in our country.

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 influence of globalization is strengthening in all markets including the insurance market. In the past few years, new trends are bringing out various changes. People are becoming aware of the risks associated by not being covered by insurance and the exposure of financial loss that they could face. Due to this awareness, there are more questions that need to be raised by the insurer. Are the clients being provided enough coverage? What types of criteria should be set? All these questions are being asked by the insurance provider in order to alleviate any problems/loss and identify all the risks up front in order to prepare for these possible scenarios. Most people in the Czech Republic are becoming more aware of the bad current situation of the social system. Therefore, more people are coming to private financial insurance consultants. Life insurance have experienced many changes the past 10 years in which it is now able to offer the same complex coverage as in rich western countries. Clients are now looking for variety and flexibility. The question is how to set up these products correctly? I have been involved in professional insurance for the past several years and have developed methodical guidelines using both my knowledge and experience aimed at helping these clients be covered for these unforeseen circumstances and protect their finances.