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1

Sekurytyzacja ryzyka długowieczności

100%
Strupczewski G.
Zeszyty Naukowe Uniwersytetu Ekonomicznego w Krakowie
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2012
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issue 877
85-97
EN
As life expectancy grows and retirement benefits are required for longer periods of time – a problem not only for the UK and USA but also the rest of developed countries – it is essential that the range of existing solutions in the field of annuities financing be examined. The article presents methods and instruments of longevity risk management used in the UK and US. The term longevity risk is defined at the beginning of the paper.
2

RODOVÉ ROZDIELY VO FINANČNOM ROZHODOVANÍ V OBLASTI ŽIVOTNÉHO POISTENIA NA SLOVENSKU

100%
Pastoráková E., Janíková T., Brokešová Z., Ondruška T.
Ekonomický časopis (Journal of Economics)
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2013
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vol. 61
|
issue 1
82 – 100
EN
The paper describes results of the research focused on the role of a gender perspective from the point of view of deciding in the life insurance. A life insurance, as a form of the future security, represents an important area of the interest in the current “risk society”. However, the determinants influencing the decision-making are vague in this area. Therefore, main goal is to analyse the influence of the gender, as one of the determinants, to decision-making process on the sample of 342 respondents in the Slovak Republic. More precisely, this study examines the attitudes of men and women to demand and consumption of the life insurance as well as the influence of the gender on individual decision-making factors. The results prove that gender does not play a role in decision-making process in the insurance industry, while in other spheres of the financial decisions does.
3

DETERMINANTS OF INDIVIDUAL LIFE-RELATED INSURANCE CONSUMPTION: THE CASE OF THE SLOVAK REPUBLIC

100%
Ondruška T.
Ekonomický časopis (Journal of Economics)
|
2020
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vol. 68
|
issue 8
846 – 863
EN
The premature death of a breadwinner, serious injuries or an insufficient level of income during retirement can decrease the living standard of households substantially. Life insurance represents a tool for managing such kinds of uncertainties. However, individuals do not adequately consider this need for security. Papers focusing on factors determining life-related insurance consumption identified many variations in the effect of these factors. The reasons are not clear, but one of the explanations is the aggregated nature of life insurance without focus on the type of covered risks. Based on survey data, we confirm the differences in the determinants of various risks covered by life insurance. In the general life insurance model, we confirmed the following as significant determinants: gender, head of household status, combination of marital status and dependent children, saving behaviour and employment status. In the private pension insurance coverage, significant determinants are age, education, saving behaviour and employment status. The willingness to buy accident cover with life insurance is determined by the saving behaviour and employment status. Marginal effect has the status of head of household.
4

FINANCIAL STABILITY OF THE CZECH INSURANCE COMPANIES

86%
Přečková L., Palečková I.
Ekonomický časopis (Journal of Economics)
|
2023
|
vol. 71
|
issue 1
65 – 86
EN
Financial stability has become an important topic, especially in recent years. However, there is no consistent approach for measuring the financial stability of insurance companies. The aim of this paper is to construct the summarized financial stability index for the insurance companies and applied this index on the Czech insurance companies. We construct and applied the financial stability index separately for insurance companies that predominantly provide life insurance and non-life insurance. The financial stability index focuses on five areas. The results show that insurance companies specialised in a particular non-life insurance product are more financially stable. The research suggests that the evolution of insurance companies has been influenced by organisational changes and economic changes. During the period 2004 – 2019, the examined insurance companies did not show any problems in terms of financial stability.
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