This diploma thesis deals with the impact of the new Civil Code on the Life Insurance in the Czech Republic. Since January 1, 2014, the new Civil Code regulates the existing legislation and in many ways introduces new insurance terms and requirements. The introduction of this legislation will affect the entire insurance market that will provide trends in Life Insurance in the coming years . Since this change will significantly transform the whole negotiation process of Life Insurance policies, several key themes were selected and analyzed which are most relevant to both insurers, policyholders and the insured. The new Civil Code will change the negotiations of Life Insurance contracts and the insurance broker business will be different from what so far has been customary. The insurance brokers will now have to collect the insurable interest during the contract negotiation with the applicant, analyze their needs and schedule records from the meeting. The thesis examines the current state of negotiated Life Insurance risk on the real Life Insurance data. The analysis concludes some recommendations which the insurers could use with regard to the introduced changes.

Diploma thesis on Flexible life insurance should refer to life insurance products currently offered on the Czech financial market. People have a choice of several types of life insurance and for the layman it is difficult to make sense terms associated with insurance and also the names of individual insurance. The publication of which is drawn in this work, indicate what life insurance products exists, however, in practice, these products are often combined and modified. Thesis shows the products offered in the Czech Republic and focuses on the calculation of premium for the insured groups. Amount of premium is influenced by several parameters that insurers, before insurance contract must take into a consideration. Effect on insurance premiums is not only age and insurance period, but also if insured person is a smoker, if he does some sports or if his job belongs to the risky job. Calculations performed in thesis focus on finding correlation between the amount of insurance and individual factors. There were used methods of correlation and regression and analysis of variance. It was found that the impact on premium has age and insurance period, then health and class of risk. Currently factor sex has not and influence on premium.

The thesis focuses particularly on the issues of the activites of insurance intermediaries. It identifies problems with the activities of insurance intermediaries and also presents and evaluates options for solving these problems in the context of legislation and market in the Czech Republic.

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.

Thesis "Bancassurance and its current position on the Czech Financial Market" analyzes the causes of cross-industry integration in banking and insurance sector and its development in the Czech financial market with regard to the benefits of integration for banks, insurance companies, state and citizens also contains legislative conditions sale in the form of financial networks and integration models. Much of the work is devoted to life insurance with single premium payments. The work ends with prognosis bancassurance development strategy.

The diploma thesis deals with possible reaction of life insurance companies to legislative decree, in which the European Union forbid, within the equality of sexes, to use sex as a factor for assessing different amount of premium between men and women. Using analysis of the product pricing of five important insurance companies helps to show, which risks (and to which extent) this change covers. Because there will be limited possibility to decide on the premium amount according to one of the most important parameters, it can be expected, this decision will have significant influence on the whole insurance market and it will indicate direction of life insurance to the future. Decision about business strategy is influenced also by other entries, such as position of the insurance company, its business network etc. As the most likely direction of market development is here considered new or more distinctive segmentation of clients, hence there are, on accessible data, using the hypothesis about the relative frequency, tested propositions of the new criteria, which could help determine more fair premium.

The aim of the diploma thesis is the problem of Unit Linked Insurance. The main issue is the dynamic development of this institute, specifically the development of this insurance from the beginning of present Global financial crisis until now.

The life insurance is an integral part of financial market, although changing its importance during the development. This thesis aims to carry out a research focused on the approach and attitude of the Czech population to the life insurance and its resulting analysis. The research was conducted through a questionnaire survey effected on an independent sample of the Czech population in the number of 185 respondents and a case study MetLife insurance company. The thesis does not neglect the theoretical background, current trends in the life insurance and the future prognosis. The results of analysis refer to the dependence of approach to the life insurance on the factors of age, the number of household members, the actual amount of outstanding liabilities and the gross monthly income. The lack of knowledge of respondents on the profitability, the risk and the liquidity of their life insurance policies and its dependence on the factor of achieved education were proved. In the case of a higher number of concluded life insurance contracts they diversify the risk and use different insurers. It also came out that the life insurance has recently kept losing its original meaning in the sense of risk instrument and is perceived still more as a savings and an invesment instrument. Although the current approach is not the rational reasoning, I continue to assume the increasing importance of unit linked life insurance.

This thesis is concerned with the options of the choice of the appropriate way for citizens to save or invest their financial means in order to prepare for the era of the postproductive age -- retirement. It is obvious that a significant drop of income occurs after the end of the productive period of life. The pensions are not sufficient for maintaining a certain level of living and that is why it is important to prepare for this postproductive period in advance and to create financial reserves. The current financial market offers the citizens a variety of means and options to not only appropriately save their financial means but to take interest from them as well. The thesis characterizes individual saving or investment products while focusing on their safety, the possibility of interest and basic advantages and disadvantages. Life insurance is mentioned in the first place, though it does not offer a high profit, it provides insurance security unlike other possibilities and it definitely should not be overlooked. The thesis also briefly deals with several changes concerning the pensions system since 1.1.2013.

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.