{"id":994,"date":"2022-11-18T12:32:52","date_gmt":"2022-11-18T12:32:52","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=994"},"modified":"2022-11-24T13:53:43","modified_gmt":"2022-11-24T13:53:43","slug":"petr-motacek-radi-zivotni-pojistku-si-sjednejte-uz-v-mladi","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/petr-motacek-radi-zivotni-pojistku-si-sjednejte-uz-v-mladi\/","title":{"rendered":"Petr Mot\u00e1\u010dek rad\u00ed: \u017divotn\u00ed pojistku si sjednejte u\u017e v ml\u00e1d\u00ed"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Spousta lid\u00ed si mysl\u00ed, \u017ee \u017eivotn\u00ed pojistka slou\u017e\u00ed jen pro p\u0159\u00edpad \u00famrt\u00ed. Tak to ale nen\u00ed. M\u016f\u017ee v\u00e1m u\u0161et\u0159it spoustu finan\u010dn\u00edch starost\u00ed i v p\u0159\u00edpad\u011b nemoci, \u00farazu nebo nepl\u00e1novan\u00e9 p\u00e9\u010de o d\u00edt\u011b. Pro\u010d bychom si m\u011bli \u017eivotn\u00ed poji\u0161t\u011bn\u00ed sjednat, dokud jsme mlad\u00ed, vysv\u011btluje v rozhovoru pro televizi \u00d3\u010dko Petr Mot\u00e1\u010dek, senior specialista FinGO pro spot\u0159ebitelsk\u00e9 \u00fav\u011bry a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sjedn\u00e1n\u00ed nebo nav\u00fd\u0161en\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed \u010dasto b\u00fdv\u00e1 d\u016fle\u017eit\u00fdm vod\u00edtkem v detektivk\u00e1ch.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Je to tak. Krom\u011b ob\u011bt\u00ed v detektivk\u00e1ch m\u00e1 ale \u017eivotn\u00ed poji\u0161t\u011bn\u00ed sjednan\u00e9 skoro 50 % \u010cech\u016f.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Ti v\u0161ichni se podle v\u00e1s p\u0159ipravuj\u00ed na smrt?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ne nevyhnuteln\u011b. \u017divotn\u00ed pojistka m\u00e1 chr\u00e1nit v\u00e1s a va\u0161i rodinu p\u0159ed v\u00fdpadkem p\u0159\u00edjmu kv\u016fli nejr\u016fzn\u011bj\u0161\u00edm \u017eivotn\u00edm ud\u00e1lostem, nejen kv\u016fli \u00famrt\u00ed. Jde t\u0159eba i o nemoc nebo \u00faraz, p\u0159\u00edpadn\u011b kdy\u017e se m\u00edsto odchodu do pr\u00e1ce mus\u00edte doma postarat o nemocn\u00e9 d\u00edt\u011b. Nav\u00edc by v\u00e1m m\u011blo pokr\u00fdt i ne\u010dekan\u00e9 v\u00fddaje spojen\u00e9 s takov\u00fdmi ud\u00e1lostmi \u2013 kdy\u017e si nap\u0159\u00edklad pot\u0159ebujete vybudovat bezbari\u00e9rov\u00fd p\u0159\u00edstup do bytu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Nel\u00e1k\u00e1 \u017eivotn\u00ed pojistka hlavn\u011b pesimisty?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Poji\u0161t\u011bn\u00ed vyu\u017e\u00edvaj\u00ed hlavn\u011b lid\u00e9, kte\u0159\u00ed jsou na sv\u00e9m p\u0159\u00edjmu z\u00e1visl\u00ed nebo \u017eiv\u00ed rodinu. \u010cast\u00fdm impulsem pro sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je narozen\u00ed d\u011bt\u00ed, p\u0159echod ze zam\u011bstn\u00e1n\u00ed na volnou nohu nebo sjedn\u00e1n\u00ed hypot\u00e9ky, kterou mus\u00edte pravideln\u011b spl\u00e1cet. To nejsou ani tak pesimistick\u00e9 situace, jako sp\u00ed\u0161 momenty, kdy si uv\u011bdom\u00edte svoji zodpov\u011bdnost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Na jak\u00e1 rizika bychom si tedy m\u011bli \u017eivotn\u00ed pojistku sjednat?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hlavn\u00ed je m\u00edt poji\u0161t\u011bn\u00ed pro p\u0159\u00edpad smrti z jak\u00fdchkoliv p\u0159\u00ed\u010din a k tomu si pojistit takzvan\u00e1 velk\u00e1 rizika. Ty na v\u00e1s a va\u0161i rodinu m\u016f\u017eou m\u00edt z\u00e1sadn\u00ed a\u017e fat\u00e1ln\u00ed dopad. Po\u010d\u00edt\u00e1me do nich invaliditu, v\u00e1\u017en\u00e1 onemocn\u011bn\u00ed nebo trval\u00e9 n\u00e1sledky \u00farazu, p\u0159\u00edpadn\u011b <a href=\"https:\/\/www.fingo.cz\/blog\/vyznejte-se-v-pojisteni-pracovni-neschopnosti\/\">pracovn\u00ed neschopnost<\/a>. To jsou vlastn\u011b ta nejd\u016fle\u017eit\u011bj\u0161\u00ed rizika, kter\u00e1 bych doporu\u010doval pojistit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Takhle p\u0159em\u00fd\u0161l\u00ed i ta polovina \u010cech\u016f, kter\u00e1 m\u00e1 sjednan\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Lid\u00e9 \u010dasto \u0159e\u0161\u00ed od\u0161kodn\u011bn\u00ed za drobn\u00e9 \u00farazy. Pravd\u011bpodobnost, \u017ee se v\u00e1m stane n\u011bjak\u00fd drobn\u00fd \u00faraz, je logicky velk\u00e1. Ka\u017ed\u00fd z n\u00e1s si ob\u010das n\u011bco podvrtne, \u0159\u00edzne se apod. Proto s t\u00edm maj\u00ed klienti zku\u0161enosti a \u010dasto pojistku hodnot\u00ed pr\u00e1v\u011b podle od\u0161kodn\u011bn\u00ed za mal\u00e1 rizika.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Na druhou stranu b\u00fdv\u00e1 poji\u0161t\u011bn\u00ed pro tato rizika pom\u011brn\u011b drah\u00e9 a v\u011bt\u0161ina z n\u00e1s se po drobn\u00e9m \u00farazu obejde bez finan\u010dn\u00ed pomoci. Udr\u017eet ale \u017eivotn\u00ed standard rodiny i v p\u0159\u00edpad\u011b, \u017ee nebudeme moct chodit do pr\u00e1ce, to je v\u00fdrazn\u011b t\u011b\u017e\u0161\u00ed \u00fakol. Tady se pr\u00e1v\u011b vyplat\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>D\u011blaj\u00ed \u010ce\u0161i p\u0159i sjedn\u00e1n\u00ed \u017eivotn\u00ed pojistky i dal\u0161\u00ed chyby?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Bohu\u017eel lid\u00e9 \u010dasto \u0159e\u0161\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a\u017e v dob\u011b, kdy se jim n\u011bco stane nebo jim n\u011bco akutn\u011b hroz\u00ed. Nejv\u00fdhodn\u011bj\u0161\u00ed ale je pojistit se, kdy\u017e jste mlad\u00ed a bezstarostn\u00ed. V t\u00e9 dob\u011b se v\u00e1m v\u011bt\u0161inou je\u0161t\u011b vyh\u00fdbaj\u00ed zdravotn\u00ed probl\u00e9my, tak\u017ee nehroz\u00ed n\u011bjak\u00e9 p\u0159ir\u00e1\u017eky nebo v\u00fdluky. V t\u00e9 dob\u011b si m\u016f\u017eete nastavit i vy\u0161\u0161\u00ed pojistn\u00e9 \u010d\u00e1stky, ani\u017e byste museli absolvovat zdravotn\u00ed prohl\u00eddky. Hlavn\u011b v\u00e1s takov\u00e1 pojistka vyjde pom\u011brn\u011b levn\u011b.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Naopak star\u0161\u00ed lid\u00e9, ku\u0159\u00e1ci nebo t\u0159eba lid\u00e9 s nadv\u00e1hou budou m\u00edt pojistku v\u017edycky dra\u017e\u0161\u00ed a n\u011bkdy i docela v\u00fdrazn\u011b.<\/p>\n\n\n\n<iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/KO7k9Y2KqEM\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen=\"\"><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Co kdy\u017e se sice pojist\u00edme jako mlad\u00ed, ale pak t\u0159eba zalo\u017e\u00edme rodinu? St\u00e1vaj\u00edc\u00ed pojistka pak nemus\u00ed vyhovovat.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">To se samoz\u0159ejm\u011b b\u011b\u017en\u011b d\u011bje. Pojistku m\u016f\u017eete v \u010dase jakkoliv aktualizovat, upravovat a p\u0159id\u00e1vat rizika. M\u016f\u017eete ji klidn\u011b i roz\u0161\u00ed\u0159it o dal\u0161\u00ed osoby \u2013 t\u0159eba pr\u00e1v\u011b narozen\u00e9 d\u011bti. Tak\u017ee v\u00e1m sta\u010d\u00ed jedna pojistka, kter\u00e1 s v\u00e1mi proplouv\u00e1 cel\u00fdm \u017eivotem. A pr\u00e1v\u011b proto je tak v\u00fdhodn\u00e9 sjednat si ji v ml\u00e1d\u00ed. V\u00fdhody se v\u00e1m pak propisuj\u00ed i do pozd\u011bj\u0161\u00edch let.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>M\u016f\u017ee se st\u00e1t, \u017ee si n\u00e1s poji\u0161\u0165ovna prohl\u00e9dne, zept\u00e1 se na \u017eivotn\u00ed styl a zdravotn\u00ed stav \u2013 a pak s n\u00e1mi smlouvu neuzav\u0159e?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">V krajn\u00edm p\u0159\u00edpad\u011b ano. Dobr\u00fd poradce v oblasti \u017eivotn\u00edho poji\u0161t\u011bn\u00ed v\u00e1s ale v\u011bt\u0161inou dok\u00e1\u017ee nasm\u011brovat k p\u0159ijateln\u00e9mu \u0159e\u0161en\u00ed, i kdy\u017e t\u0159eba za cenu n\u011bkter\u00fdch omezen\u00ed v poji\u0161t\u011bn\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>M\u00e1 smysl se obracet na poradce, i kdy\u017e se c\u00edt\u00edm dob\u0159e?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Ur\u010dit\u011b. Vybrat si \u017eivotn\u00ed pojistku, spr\u00e1vn\u011b ji nastavit a b\u011bhem \u017eivota upravovat v\u016fbec nen\u00ed jednoduch\u00e9. Rizika a pojistn\u00e9 \u010d\u00e1stky si nastav\u00edte \u00fapln\u011b jinak, kdy\u017e jste bez z\u00e1vazk\u016f, ne\u017e kdy\u017e m\u00e1te rodinu, d\u011bti a hypot\u00e9ku. Zv\u00e1\u017eit mus\u00edte rodinnou anamn\u00e9zu i rizikovost va\u0161\u00ed pr\u00e1ce a kon\u00ed\u010dk\u016f.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Poradce m\u00e1 nav\u00edc neoceniteln\u00e9 zku\u0161enosti s jednotliv\u00fdmi poji\u0161\u0165ovnami. N\u011bkter\u00e9 vypl\u00e1cej\u00ed pojistn\u00e9 rychle a bez okolk\u016f, jin\u00e9 pomalu a neochotn\u011b. My ve FinGO proto p\u0159esn\u011b v\u00edme, jak\u00e9 poji\u0161\u0165ovny v\u00e1m doporu\u010dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Za\u010d\u00edt m\u016f\u017eete i t\u00edm, \u017ee vyzkou\u0161\u00edte na\u0161i <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\">kalkula\u010dku \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>. Ta v\u00e1m d\u00e1 z\u00e1kladn\u00ed p\u0159ehled va\u0161ich mo\u017enost\u00ed.<\/p>\n\n\n\n<iframe src=\"https:\/\/www.fingo.cz\/banner\/zp\/version1\" frameborder=\"0\" allowfullscreen=\"\" style=\"box-shadow: 0 0 10px gray; margin: 10px; max-width:100%\" width=\"740\" height=\"650\" scrolling=\"1\" name=\"banner1\" id=\"banner1\"><\/iframe>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Na kolik n\u00e1s sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed vyjde?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pr\u00e1ce poradce je pro v\u00e1s zdarma, odm\u011bnu dostane od c\u00edlov\u00e9 poji\u0161\u0165ovny. Ceny \u017eivotn\u00edho poji\u0161t\u011bn\u00ed se li\u0161\u00ed a \u010dasto plat\u00ed, \u017ee nejlevn\u011bj\u0161\u00ed mo\u017enost neb\u00fdv\u00e1 nejlep\u0161\u00ed. Na druhou stranu v\u011bt\u0161ina klient\u016f je cenou poji\u0161t\u011bn\u00ed p\u0159\u00edjemn\u011b p\u0159ekvapen\u00e1, obvykle h\u00e1daj\u00ed \u010d\u00e1stky mnohem v\u011bt\u0161\u00ed. Podle posledn\u00edch statistik je pr\u016fm\u011brn\u00e9 pojistn\u00e9 v \u010cesku pro 20let\u00e9ho klienta kolem 1 000 K\u010d a pro 40let\u00e9ho kolem 2 000 K\u010d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Co kdy\u017e u\u017e pojistku m\u00e1me, ale tu\u0161\u00edme, \u017ee nen\u00ed \u00fapln\u011b dobr\u00e1?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Kdy\u017e n\u011bco tu\u0161\u00edte nebo si jen chce b\u00fdt jist\u00ed svou smlouvou, domluvte si <a href=\"https:\/\/www.fingo.cz\/kontakty\">sch\u016fzku s poradcem FinGO<\/a> a svou smlouvu mu uka\u017ete. Ze zku\u0161enosti v\u00edme, \u017ee dok\u00e1\u017eeme v\u00fdhodn\u011bji p\u0159enastavit 70 % pojistek. A proto\u017ee i tato slu\u017eba je pro v\u00e1s zdarma, nem\u016f\u017eete t\u00edm nic zkazit.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Spousta lid\u00ed si mysl\u00ed, \u017ee \u017eivotn\u00ed pojistka slou\u017e\u00ed jen pro p\u0159\u00edpad \u00famrt\u00ed. Tak to ale nen\u00ed. M\u016f\u017ee v\u00e1m u\u0161et\u0159it spoustu finan\u010dn\u00edch starost\u00ed i v p\u0159\u00edpad\u011b nemoci, \u00farazu nebo nepl\u00e1novan\u00e9 p\u00e9\u010de o d\u00edt\u011b. Pro\u010d bychom si m\u011bli \u017eivotn\u00ed poji\u0161t\u011bn\u00ed sjednat, dokud jsme mlad\u00ed, vysv\u011btluje v rozhovoru pro televizi \u00d3\u010dko Petr Mot\u00e1\u010dek, senior specialista FinGO pro spot\u0159ebitelsk\u00e9 \u00fav\u011bry a \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Sjedn\u00e1n\u00ed nebo nav\u00fd\u0161en\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed \u010dasto b\u00fdv\u00e1 d\u016fle\u017eit\u00fdm vod\u00edtkem v detektivk\u00e1ch. Je to tak. Krom\u011b ob\u011bt\u00ed v detektivk\u00e1ch m\u00e1 ale \u017eivotn\u00ed poji\u0161t\u011bn\u00ed sjednan\u00e9 skoro 50 % \u010cech\u016f. Ti v\u0161ichni se podle v\u00e1s p\u0159ipravuj\u00ed na smrt? Ne nevyhnuteln\u011b. \u017divotn\u00ed pojistka m\u00e1 chr\u00e1nit v\u00e1s a va\u0161i rodinu p\u0159ed v\u00fdpadkem p\u0159\u00edjmu kv\u016fli nejr\u016fzn\u011bj\u0161\u00edm \u017eivotn\u00edm ud\u00e1lostem, nejen kv\u016fli \u00famrt\u00ed. Jde t\u0159eba i o nemoc nebo \u00faraz, p\u0159\u00edpadn\u011b kdy\u017e se m\u00edsto odchodu do pr\u00e1ce mus\u00edte doma postarat o nemocn\u00e9 d\u00edt\u011b. Nav\u00edc by v\u00e1m m\u011blo pokr\u00fdt i ne\u010dekan\u00e9 v\u00fddaje spojen\u00e9 s takov\u00fdmi ud\u00e1lostmi \u2013 kdy\u017e si nap\u0159\u00edklad pot\u0159ebujete vybudovat bezbari\u00e9rov\u00fd p\u0159\u00edstup do bytu. Nel\u00e1k\u00e1 \u017eivotn\u00ed pojistka hlavn\u011b pesimisty? Poji\u0161t\u011bn\u00ed vyu\u017e\u00edvaj\u00ed hlavn\u011b lid\u00e9, kte\u0159\u00ed jsou na sv\u00e9m p\u0159\u00edjmu z\u00e1visl\u00ed nebo \u017eiv\u00ed rodinu. \u010cast\u00fdm impulsem pro sjedn\u00e1n\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed je narozen\u00ed d\u011bt\u00ed, p\u0159echod ze zam\u011bstn\u00e1n\u00ed na volnou nohu nebo sjedn\u00e1n\u00ed hypot\u00e9ky, kterou mus\u00edte pravideln\u011b spl\u00e1cet. To nejsou ani tak [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":995,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[14,28,15,27],"class_list":["post-994","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni","tag-ocko","tag-petr-motacek","tag-rozhovor","tag-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Petr Mot\u00e1\u010dek: \u017divotn\u00ed pojistku uzav\u0159ete v ml\u00e1d\u00ed - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"\u017divotn\u00ed pojistka v\u00e1s nem\u00e1 chr\u00e1nit jen v p\u0159\u00edpad\u011b smrti. Pom\u016f\u017ee v\u00e1m i p\u0159i \u00farazu nebo nemoci. A \u010d\u00cdm d\u0159\u00edve si ho sjedn\u00e1te, t\u00edm bude v\u00fdhodn\u011bj\u0161\u00ed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fingo.cz\/blog\/petr-motacek-radi-zivotni-pojistku-si-sjednejte-uz-v-mladi\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Petr Mot\u00e1\u010dek rad\u00ed: \u017divotn\u00ed pojistku si sjednejte u\u017e v ml\u00e1d\u00ed\" \/>\n<meta property=\"og:description\" content=\"\u017divotn\u00ed pojistka v\u00e1s nem\u00e1 chr\u00e1nit jen v p\u0159\u00edpad\u011b smrti. Pom\u016f\u017ee v\u00e1m i p\u0159i \u00farazu nebo nemoci. 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