{"id":1770,"date":"2026-04-29T14:30:00","date_gmt":"2026-04-29T12:30:00","guid":{"rendered":"https:\/\/kuraksa.cz\/blog\/?p=1770"},"modified":"2026-04-25T15:59:23","modified_gmt":"2026-04-25T13:59:23","slug":"zivotni-pojisteni-za-co-vlastne-platite-a-proc-realne-dostanete-jen-100-000kc-misto-milionu","status":"publish","type":"post","link":"https:\/\/kuraksa.cz\/blog\/zivotni-pojisteni-za-co-vlastne-platite-a-proc-realne-dostanete-jen-100-000kc-misto-milionu\/","title":{"rendered":"\u017divotn\u00ed poji\u0161t\u011bn\u00ed \u2013 za co vlastn\u011b plat\u00edte a pro\u010d re\u00e1ln\u011b dostanete jen 100 000K\u010d m\u00edsto mili\u00f3n\u016f"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"559\" src=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/04\/obrazek-4.png\" alt=\"\" class=\"wp-image-1771\" style=\"width:600px\" srcset=\"https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/04\/obrazek-4.png 1024w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/04\/obrazek-4-300x164.png 300w, https:\/\/kuraksa.cz\/blog\/wp-content\/uploads\/2026\/04\/obrazek-4-768x419.png 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed je jeden z nejv\u00edce nepochopen\u00fdch finan\u010dn\u00edch produkt\u016f. Lid\u00e9 ho bu\u010f nemaj\u00ed v\u016fbec, nebo plat\u00ed za n\u011bco, \u010demu nerozum\u00ed. Kdy\u017e projdu smlouvu s klientem poprv\u00e9, skoro v\u017edy najdeme bu\u010f zbyte\u010dn\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed, nebo naopak z\u00e1sadn\u00ed mezeru v kryt\u00ed.<\/p>\n\n\n\n<p>Zkus\u00edm to rozebrat jednodu\u0161e \u2013 v\u010detn\u011b jedn\u00e9 v\u011bci, kterou v\u00e1m v\u011bt\u0161ina poradc\u016f ne\u0159ekne.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">K \u010demu \u017eivotn\u00ed poji\u0161t\u011bn\u00ed re\u00e1ln\u011b slou\u017e\u00ed<\/h2>\n\n\n\n<p>Prim\u00e1rn\u011b k jedn\u00e9 v\u011bci: zajistit rodinu nebo spl\u00e1tky v p\u0159\u00edpad\u011b, \u017ee se v\u00e1m n\u011bco stane. Smrt, invalidita, v\u00e1\u017en\u00e1 nemoc, dlouhodob\u00e1 pracovn\u00ed neschopnost. To jsou situace, kdy bez poji\u0161t\u011bn\u00ed m\u016f\u017ee rodina p\u0159ij\u00edt o p\u0159\u00edjem \u2013 a t\u0159eba i o st\u0159echu nad hlavou, pokud jede hypot\u00e9ka.<\/p>\n\n\n\n<p>Nen\u00ed to spo\u0159ic\u00ed produkt. Nen\u00ed to investice. Je to ochrana.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co b\u00fdv\u00e1 ve smlouv\u011b zbyte\u010dn\u00e9<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Pracovn\u00ed neschopnost pro zam\u011bstnance se sick days<\/h3>\n\n\n\n<p>Pokud v\u00e1m zam\u011bstnavatel plat\u00ed prvn\u00edch 14 dn\u00ed nemoci a m\u00e1te rezervu, kr\u00e1tk\u00e1 neschopnost v\u00e1s nezruinuje. Platit za ni pojistn\u00e9 nemus\u00ed d\u00e1vat smysl.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Spo\u0159ic\u00ed slo\u017eka v investi\u010dn\u00edm poji\u0161t\u011bn\u00ed<\/h3>\n\n\n\n<p>Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed bylo popul\u00e1rn\u00ed, ale poplatky jsou vysok\u00e9 a v\u00fdnosy n\u00edzk\u00e9. Odd\u011blit poji\u0161t\u011bn\u00ed od investice b\u00fdv\u00e1 v\u00fdhodn\u011bj\u0161\u00ed.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">P\u0159\u00edli\u0161 n\u00edzk\u00e1 pojistn\u00e1 \u010d\u00e1stka pro smrt<\/h3>\n\n\n\n<p>Paradoxn\u011b \u2013 lid\u00e9 plat\u00ed za pojistku, ale pojistn\u00e1 \u010d\u00e1stka by rodin\u011b nepokryla ani rok v\u00fdpadku p\u0159\u00edjmu. To je iluze ochrany.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co naopak ve smlouv\u011b b\u00fdt m\u00e1<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Invalidita 2. a 3. stupn\u011b<\/h3>\n\n\n\n<p>Statisticky pravd\u011bpodobn\u011bj\u0161\u00ed ne\u017e smrt v produktivn\u00edm v\u011bku. A n\u00e1sledky jsou dlouhodob\u00e9 \u2013 ztr\u00e1ta p\u0159\u00edjmu na roky.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">V\u00e1\u017en\u00e9 nemoci<\/h3>\n\n\n\n<p>Rakovina, infarkt, mozkov\u00e1 p\u0159\u00edhoda \u2013 vyl\u00e9\u010dit se d\u00e1, ale l\u00e9\u010dba a rekonvalescence trv\u00e1. Jednor\u00e1zov\u00e1 \u010d\u00e1stka v tu chv\u00edli hodn\u011b pom\u016f\u017ee.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Smrt s dostate\u010dnou \u010d\u00e1stkou<\/h3>\n\n\n\n<p>Z\u00e1kladn\u00ed pravidlo: alespo\u0148 3\u20135n\u00e1sobek ro\u010dn\u00edho p\u0159\u00edjmu, nebo v\u00fd\u0161e zbytku hypot\u00e9ky \u2013 podle toho co je vy\u0161\u0161\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">A te\u010f ta v\u011bc, kterou v\u00e1m v\u011bt\u0161ina poradc\u016f ne\u0159ekne<\/h2>\n\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed je v podstat\u011b ochrana pro dovol\u00edm si \u0159\u00edct a\u017e chud\u00e9 lidi, kte\u0159\u00ed je\u0161t\u011b nemaj\u00ed majetek. Zastupuje to, co majetek jednou p\u0159evezme.<\/p>\n\n\n\n<p>Jakmile m\u00e1te dost aktiv \u2013 nemovitosti, investice, \u00faspory \u2013 kter\u00e1 by rodinu zajistila i bez v\u00e1s a nevad\u00ed V\u00e1m se jich vzd\u00e1t, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed postupn\u011b ztr\u00e1c\u00ed smysl. Nepot\u0159ebujete poji\u0161\u0165ovnu, aby zastupovala v\u00e1\u0161 majetek, kdy\u017e majetek existuje.<\/p>\n\n\n\n<p>C\u00edlem tedy nen\u00ed platit \u017eivotn\u00ed pojistku nav\u017edy. C\u00edlem je budovat majetek tak rychle, aby pojistka jednou nebyla pot\u0159eba. A to je p\u0159esn\u011b to, na \u010dem s klienty pracuju.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>M\u00e1te d\u00edt\u011b nebo hypot\u00e9ku a zat\u00edm nem\u00e1te majetek, kter\u00fd by je zajistil? Pak je \u017eivotn\u00ed poji\u0161t\u011bn\u00ed te\u010f pravd\u011bpodobn\u011b d\u016fle\u017eit\u00e9. Poj\u010fme se na to pod\u00edvat spolu.<\/p>\n<\/blockquote>\n\n\n\n<h2 class=\"wp-block-heading\">Nev\u00edte co m\u00e1te ve smlouv\u011b?<\/h2>\n\n\n\n<p>P\u0159ineste smlouvu a projdeme ji spolu. Zdarma, bez z\u00e1vazku. \u0158ekneme si co tam chyb\u00ed, co je zbyte\u010dn\u00e9 a kde se d\u00e1 u\u0161et\u0159it.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed je jeden z nejv\u00edce nepochopen\u00fdch finan\u010dn\u00edch produkt\u016f. Lid\u00e9 ho bu\u010f nemaj\u00ed v\u016fbec, nebo plat\u00ed za n\u011bco, \u010demu nerozum\u00ed. Kdy\u017e projdu smlouvu s klientem poprv\u00e9, skoro v\u017edy\u2026<\/p>\n","protected":false},"author":1,"featured_media":1771,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1770","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene"],"_links":{"self":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1770","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/comments?post=1770"}],"version-history":[{"count":1,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1770\/revisions"}],"predecessor-version":[{"id":1772,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/posts\/1770\/revisions\/1772"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media\/1771"}],"wp:attachment":[{"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/media?parent=1770"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/categories?post=1770"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kuraksa.cz\/blog\/wp-json\/wp\/v2\/tags?post=1770"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}