The theme of my thesis is "Investment life insurance in the Czech insurance market". At the beginning of my work I will analyse the developement of investment life insurance, which I mean the very beginning of the insurance industry in our territory to the insurance industry after the establishment of the independent Czech Republic. Attention in this section is paid and number of insurance companies, developement of prescribed premium or the number of insured persons. The second part is devoted to the characteristics of investment life insurance, such as the definition itself, its objective, conceptual apparatus, but also a form of investment strategies, creation of reserves and no less important level of charges. In the third section I compare the investment life insurance with other insurance products, namely capital life insurance and retirement life insurance. Comparison is made on insurance products of Kooperativa, a.s. Advantage of investment life insurance in connection with the past, present and the views and plans for the future are dealt with in another part of my work, with also mention the current crisis and factors affecting the investment life insurance market. In the fifth part I focus on pension reform and the potential impact on the investment life insurance. The conclusion is devoted to a specific models predetermined assumptions for different age groups.

The master thesis deals with an additional insurance to a life insurance. In the first chapter I focus on an origin of life insurance and on a number of subjects, which works in the Czech insurance market now compared with the past. In the second chapter I divide life insurance into categories and explain the differences between insurance and a system of insurance. In the third chapter I describe the substance of life insurance, explain important words, which are associated with the system of insurance and I describe forms of life insurance, which we can see at the present time. The fourth chapter belongs to a company Partners For Life Planning, a. s., and its business partners. In the last chapter I deal with the additional insurance of invalidism and the additional insurance of a permanent consequence of injury. With both additional insurances I start describing that insurance, continue with an analysis of products of a chosen insurance company and I finish that chapter with a table and a summary.

This diploma thesis deals with the comparison of investment life insurance with risk life insurance and individual investment in open mutual funds in the territory of the Czech Republic. The theoretical part describes the basic characteristics of life insurance, open mutual funds and as a cross-section of the two products of the investment life insurance. It also describes the main cost indicators that can be used to calculate the cost of the insurance product. The analysis of the current situation is focused on a model example, in which the insurance products are compared and the investment part is evaluated. Subsequent comparison of results, selection of the most effective tool and recommendations are contained in the proposal section. The main goal of the diploma thesis is to determine the best solution for the end customer and to propose possible changes in the investment life insurance to make it more competitive.

This diploma thesis deals with investment life insurance and its alternatives. The aim of the thesis is to evaluate whether it is more advantageous to use the investment life insurance or individual investing into investment funds together with the purchase of risk life insurance. The evaluation is based on analysis and comparison of specific insurance and investment products. Mutual comparison is performed on an example with the help of products of three particular insurance companies. Based on the author´s findings, the last part of the thesis contains recommendations for clients how to effectively cover the risks as well as increase the value of their finances.

In last decade passed investment in the Czech republic discontinuous innovation. The expanse of investors fund is adherent to voucher privatization, which they realized in 1992 {--} 1994. At the beginnig of new millenium in the Czech republic begin penetrated foreign investments company. The faulted year for collective investing was in 2004, when Czech republic enter in Europion Union. The market of life insurance in last years noted big boom. Since 1996 the market of life insurance trebled. In my graduation theses I compare two products {--} investment life insurance and open muttual funds. The investment life insurance is Flexi 2009 from Pojišťovna České spořitelny, a.s. and open muttual funds is Evropslá penze Plus/Baby from Conseq Management Investment, a.s. The similar products are in the czech market many, but is not possible to characterise and compare all. Investment life instance is more difficult product than open muttual funds. Especially is adress those, who has commitment to third persons, for example familly or long loan. Open muttual funds is a form of savings, which offer interesting assesment investment instruments. I can´t say, that one product is better than second. For me both muttualy added. From existencial reasons is more necessary life insurance in result cover human risks of clients and their familly. I would recommend clients, who want conclude investment life insurance or enter in world of investing in the form of open muttual funds to not restrict to selection only one insurance or investment company. In time of charge wars are prices very different in almost the same products. Client should have a comparison ond offers selected products from more financial institucions or financial advisors, who have almost all company under {\clqq}one roof`` and they can select. They should know, what is for their clients important, what not and mainly why.

This thesis presents a comparison of five commercially available products most commonly used by Czech households: a savings account, buildings savings, pension insurance, investment life insurance and mutual funds in terms of taxation. The aim of the work is an overview of the taxation of selected products for the general public in a concise form and show specific impacts on individual cases.

Thesis adresses specificity of sale insurance products. The theoretical part analyses specificity of insurance services and their reflection of marketing insurance company and methods of sale insurance products. The practical part analyses two products according to adjusted arguments, namely - investment life insurance, saving account (as a next possibility of financial source for clients). Both chosen products are model applied to one client. The aim of this analysis is to compare product specificity of sale insurance products. Characteristics of products and their segment specifics are listed in recapitulation as well as segment advantages and disadvantages of individual channels of distribution. Personal contact with client, which can be realized either throught network of insurance brokers or branch insurance company, is accented in connection with the specificity of insurance services and their complexity factors.

The diploma thesis deals with the issues of life insurance. The aim is to compare life insurance products in the insurance market in the Czech Republic. Structure of the thesis is divided into theoretical and practical part. The theoretical section first summarizes the fundamental terms that are used in the insurance sector, describes the entities in the Czech insurance market and seeks to track down its recent development. The subjects of the descriptive part are also various forms of life insurance together with detailed description of their advantages and disadvantages. Last theoretical chapter evaluates the impact of the introduction of UNISEX rates into life insurance. The practical section is divided into several parts and the thesis analyzes investment life insurance products in deep details. Competing products are later compared on practical model cases among themselves. The conclusion brings an overall summary and assessment of the results.

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.