{"id":5472,"date":"2026-09-29T19:00:38","date_gmt":"2026-09-29T17:00:38","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=5472"},"modified":"2026-09-29T19:00:39","modified_gmt":"2026-09-29T17:00:39","slug":"rizikove-zivotni-pojisteni-kde-se-vzalo-a-proc-by-na-ne-mladi-lide-nemeli-zapominat","status":"publish","type":"post","link":"https:\/\/mutumutu.cz\/blog\/rizikove-zivotni-pojisteni-kde-se-vzalo-a-proc-by-na-ne-mladi-lide-nemeli-zapominat\/","title":{"rendered":"Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed: Kde se vzalo a pro\u010d by na n\u011b mlad\u00ed lid\u00e9 nem\u011bli zapom\u00ednat?"},"content":{"rendered":"\n<p>Mo\u017en\u00e1 si \u0159\u00edk\u00e1te, \u017ee kdy\u017e nem\u00e1te na krku ob\u0159\u00ed hypot\u00e9ku ani rodinu, z\u00e1le\u017eitosti jako \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se v\u00e1s v\u016fbec net\u00fdkaj\u00ed. Jen\u017ee realita um\u00ed ob\u010das hodit solidn\u00ed klacek pod nohy i nejv\u011bt\u0161\u00edm pohod\u00e1\u0159\u016fm. Poj\u010fme se pod\u00edvat, jak\u00e9 m\u00edsto m\u00e1 tento prastar\u00fd vyn\u00e1lez v modern\u00ed digit\u00e1ln\u00ed dob\u011b a pro\u010d by m\u011bl pat\u0159it do m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f (nejen) mlad\u00fdch lid\u00ed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Co je rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed a k \u010demu je dobr\u00e9<\/h2>\n\n\n\n<p>Na trhu je mo\u017en\u00e9 si vybrat ze t\u0159\u00ed nejroz\u0161\u00ed\u0159en\u011bj\u0161\u00edch typ\u016f \u017eivotn\u00edch poji\u0161t\u011bn\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> \u2013 m\u016f\u017eeme o n\u011bm s nads\u00e1zkou \u0159\u00edct, \u017ee n\u00e1m poji\u0161\u0165ovna \u201e<a href=\"https:\/\/mutumutu.cz\/blog\/2021\/03\/24\/jak-funguje-zivotni-pojisteni\/\">n\u011bco d\u00e1, kdy\u017e se n\u011bco stane<\/a>\u201c. Toto \u017eivotn\u00ed poji\u0161t\u011bn\u00ed kryje rizika, jako je nap\u0159\u00edklad smrt nebo pracovn\u00ed neschopnost.<\/li>\n\n\n\n<li><strong>Investi\u010dn\u00ed \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> \u2013 je kombinac\u00ed poji\u0161t\u011bn\u00ed \u017eivota a zdrav\u00ed spolu s investov\u00e1n\u00edm do poji\u0161\u0165ovnou nab\u00edzen\u00fdch fond\u016f.<\/li>\n\n\n\n<li><strong>Kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed<\/strong> \u2013 jedna \u010d\u00e1st slou\u017e\u00ed na pokryt\u00ed rizik, druh\u00e1 \u010d\u00e1st je ur\u010dena ke zhodnocov\u00e1n\u00ed.<\/li>\n<\/ul>\n\n\n\n<p>V\u00fdhodou kapit\u00e1lov\u00e9ho a investi\u010dn\u00edho poji\u0161t\u011bn\u00ed je sice jejich <a href=\"https:\/\/mutumutu.cz\/blog\/2021\/01\/06\/zivotni-pojisteni-a-dane\/\">da\u0148ov\u00e1 uznatelnost<\/a>, ale nejsou vhodn\u00e1 pro v\u0161echny. Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed um\u00ed dob\u0159e <strong>pomoct s finan\u010dn\u00edmi z\u00e1vazky<\/strong>, pokud u v\u00e1s dojde k v\u00fdpadku p\u0159\u00edjmu, a to zejm\u00e9na p\u0159i dlouhodob\u00e9 <a href=\"https:\/\/mutumutu.cz\/pojisteni-pracovni-neschopnosti\">pracovn\u00ed neschopnosti<\/a>, <a href=\"https:\/\/mutumutu.cz\/pojisteni-invalidity\">invalidit\u011b<\/a> nebo v p\u0159\u00edpad\u011b <a href=\"https:\/\/mutumutu.cz\/pojisteni-smrti\">smrti<\/a>. Hodn\u011b lid\u00ed proto za\u010dne na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed myslet, kdy\u017e za\u010dnou s n\u011bk\u00fdm \u017e\u00edt nebo se narod\u00ed d\u011bti. Zkr\u00e1tka kdy\u017e v\u011bd\u00ed, \u017ee <strong>na jejich p\u0159\u00edjmu je \u201ez\u00e1visl\u00fd\u201c n\u011bkdo dal\u0161\u00ed<\/strong> nebo \u017ee v\u00fdpadek by m\u011bl negativn\u00ed dopad na chod rodiny.<\/p>\n\n\n\n<p>Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se <strong>poj\u00ed tak\u00e9 s hypote\u010dn\u00edm \u00fav\u011brem<\/strong>. Jist\u011b si um\u00edte p\u0159edstavit v\u0161echny pot\u00ed\u017ee, kter\u00e9 by v\u00e1s mohly potkat, kdybyste nemohli hypot\u00e9ku spl\u00e1cet. A pokud si je p\u0159edstavit neum\u00edte, upozorn\u00ed v\u00e1s na n\u011b banka, pota\u017emo hypote\u010dn\u00ed specialista. Ti si toti\u017e jejich <strong>d\u016fle\u017eitost uv\u011bdomuj\u00ed<\/strong>.<\/p>\n\n\n\n<p>P\u0159em\u00fd\u0161let o rizikov\u00e9m \u017eivotn\u00edm poji\u0161t\u011bn\u00ed by ov\u0161em m\u011bli i lid\u00e9, kte\u0159\u00ed nemaj\u00ed hypot\u00e9ku ani rodinu, ale <strong>maj\u00ed jin\u00e9 z\u00e1vazky<\/strong> \u2013 plat\u00ed n\u00e1jem a r\u016fzn\u00e9 m\u011bs\u00ed\u010dn\u00ed platby, staraj\u00ed se o dom\u00e1c\u00ed mazl\u00ed\u010dky nebo jsou prost\u011b zvykl\u00ed na vy\u0161\u0161\u00ed \u017eivotn\u00ed standard.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Pro\u010d by si rizikov\u00e9 poji\u0161t\u011bn\u00ed m\u011bli sjednat i mlad\u00ed lid\u00e9<\/h2>\n\n\n\n<p>Generace Z dosp\u00edv\u00e1 v dob\u011b drah\u00e9ho bydlen\u00ed, kdy vlastn\u00ed <strong>hypot\u00e9ka vypad\u00e1 sp\u00ed\u0161e jako sci-fi<\/strong> ne\u017e re\u00e1ln\u011b dostupn\u00e1 mo\u017enost. V\u011bt\u0161ina mlad\u00fdch proto bydl\u00ed v n\u00e1jmu a se zakl\u00e1d\u00e1n\u00edm rodiny neposp\u00edch\u00e1. A maj\u00ed pocit, \u017ee \u017eivotn\u00ed poji\u0161t\u011bn\u00ed je jen pro lidi s rodinn\u00fdm domem a t\u0159emi d\u011btmi.<\/p>\n\n\n\n<p>Jen\u017ee <a href=\"https:\/\/mutumutu.cz\/blog\/2024\/04\/30\/mutumutu-jako-startovaci-pojisteni-pro-generaci-z\/\">realita je trochu jin\u00e1<\/a>. Jeliko\u017e mlad\u0161\u00ed generace \u010dasto ani nedouf\u00e1, \u017ee by si na vlastn\u00ed bydlen\u00ed n\u011bkdy na\u0161et\u0159ila, chce si <strong>sv\u016fj \u017eivot u\u017e\u00edt tady a te\u010f<\/strong>. Cestov\u00e1n\u00ed, sport, festivaly, lifestylov\u00e9 vychyt\u00e1vky\u2026 To v\u0161echno n\u011bco stoj\u00ed a pen\u00edze z v\u00fdplaty p\u0159i tomto \u017eivotn\u00edm stylu miz\u00ed celkem rychle. Na n\u011bjak\u00e9 velk\u00e9 spo\u0159en\u00ed na hor\u0161\u00ed \u010dasy v\u011bt\u0161inou nezb\u00fdv\u00e1 prostor a vlastn\u011b ani chu\u0165.<\/p>\n\n\n\n<p>Jen\u017ee <strong>nep\u0159\u00edjemn\u00e9 a ne\u010dekan\u00e9 situace<\/strong> se d\u011bj\u00ed i mlad\u00fdm \u2013 \u00faraz na snowboardu, dlouhodob\u00e1 nemoc dovezen\u00e1 z cest nebo zkr\u00e1tka jin\u00e1 ud\u00e1lost, kter\u00e1 zp\u016fsob\u00ed, \u017ee najednou <a href=\"https:\/\/mutumutu.cz\/blog\/2020\/11\/23\/pojisteni-pracovni-neschopnosti\/\">nem\u016f\u017eete n\u011bkolik t\u00fddn\u016f, nebo dokonce m\u011bs\u00edc\u016f vyd\u011bl\u00e1vat<\/a>.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>V\u00e1\u0161 p\u0159\u00edjem prudce klesne.<\/strong> St\u00e1tn\u00ed nemocensk\u00e1 je toti\u017e v\u00fdrazn\u011b ni\u017e\u0161\u00ed ne\u017e va\u0161e b\u011b\u017en\u00e1 v\u00fdplata. A kv\u016fli reduk\u010dn\u00edm hranic\u00edm plat\u00ed, \u017ee \u010d\u00edm vy\u0161\u0161\u00ed p\u0159\u00edjem, t\u00edm je rozd\u00edl mezi mzdou a nemocenskou propastn\u011bj\u0161\u00ed.<\/li>\n\n\n\n<li>Za z\u00e1bavu sice neutr\u00e1c\u00edte, ale&#8230; Majiteli va\u0161eho bydlen\u00ed je \u00fapln\u011b jedno, \u017ee jste na neschopence. <strong>N\u00e1jem, energie nebo telefonn\u00ed pau\u0161\u00e1l b\u011b\u017eet nep\u0159estanou<\/strong>. A nakupovat j\u00eddlo tak\u00e9 mus\u00edte, i kdy\u017e jste nemocn\u00ed.<\/li>\n\n\n\n<li>Proto\u017ee nemocensk\u00e1 v\u011bt\u0161inou na b\u011b\u017en\u00fd \u017eivot nesta\u010d\u00ed, mus\u00edte rozd\u00edl <strong>doplatit ze sv\u00fdch \u00faspor<\/strong>. Pokud je tedy m\u00e1te.<\/li>\n\n\n\n<li>Jakmile se uzdrav\u00edte a za\u010dnete zase vyd\u011bl\u00e1vat, asi se nebudete moci jen tak vr\u00e1tit ke sv\u00e9mu p\u016fvodn\u00edmu \u017eivotn\u00edmu stylu. Va\u0161e \u00faspory se toti\u017e budou pravd\u011bpodobn\u011b bl\u00ed\u017eit nule a m\u00edsto kupov\u00e1n\u00ed letenek budete <strong>zalepovat finan\u010dn\u00ed d\u00edru<\/strong>, kterou po sob\u011b nemoc zanechala.<\/li>\n<\/ol>\n\n\n\n<p>A pr\u00e1v\u011b proto se hod\u00ed m\u00edt rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed, kter\u00e9 funguje jako finan\u010dn\u00ed z\u00e1plata. Kdy\u017e vypadnete z pr\u00e1ce, <strong>poji\u0161\u0165ovna v\u00e1m v\u00fdpadek p\u0159\u00edjmu dorovn\u00e1<\/strong>. Pln\u011bn\u00ed z rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed m\u016f\u017eete pou\u017e\u00edt na cokoli:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>n\u00e1jem a souvisej\u00edc\u00ed slu\u017eby,<\/li>\n\n\n\n<li>spl\u00e1tky na auto, telefon, MacBook apod.,<\/li>\n\n\n\n<li>studentsk\u00e9 p\u016fj\u010dky,<\/li>\n\n\n\n<li>men\u0161\u00ed \u00fav\u011bry a kreditky.<\/li>\n<\/ul>\n\n\n\n<p>Nav\u00edc pokud je <strong>\u010dlov\u011bk mlad\u00fd a zdrav\u00fd, poji\u0161t\u011bn\u00ed je levn\u011bj\u0161\u00ed<\/strong>, ne\u017e kdy\u017e si ho sjedn\u00e1 pozd\u011bji a m\u00e1 za sebou t\u0159eba i v\u00edce \u00faraz\u016f \u010di nemoc\u00ed. Pro dvac\u00e1tn\u00edka je u rizikov\u00e9ho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed cena zhruba srovnateln\u00e1 s m\u011bs\u00ed\u010dn\u00edm p\u0159edplatn\u00fdm Netflixu a Spotify dohromady. Ale na rozd\u00edl od streamovac\u00edch slu\u017eeb v\u00e1s tahle investice v p\u0159\u00edpad\u011b ne\u010dekan\u00e9ho pr\u016f\u0161vihu m\u016f\u017ee udr\u017eet finan\u010dn\u011b nad vodou.<\/p>\n\n\n\n<p>Mutumutu je <strong>rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed pro mlad\u00e9 lidi<\/strong>, kte\u0159\u00ed hledaj\u00ed flexibiln\u00ed a srozumiteln\u00fd produkt. Kryje to hlavn\u00ed, \u017e\u00e1dn\u00e9 zbyte\u010dnosti, za kter\u00e9 byste utr\u00e1celi pen\u00edze. <a href=\"https:\/\/mutumutu.cz\/blog\/2021\/11\/13\/odmenujeme-za-zdravy-zivotni-styl\/\">Vrac\u00ed a\u017e 30 % pojistn\u00e9ho zp\u011bt<\/a>, pokud \u017eijete zdrav\u011b \u2013 sta\u010d\u00ed se aspo\u0148 trochu pravideln\u011b h\u00fdbat, nekou\u0159it a chodit na preventivn\u00ed prohl\u00eddky. M\u00e1 jen 7 jednoduch\u00fdch v\u00fdjimek a sjedn\u00e1te ho online do p\u00e1r minut.<\/p>\n\n\n\n<p><em>Omrkn\u011bte na\u0161e rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed online. Jednoduch\u00e1 kalkula\u010dka posoud\u00ed v\u00e1mi zadan\u00e9 \u00fadaje, vyhodnot\u00ed va\u0161i situaci a spo\u010d\u00edt\u00e1 vhodn\u00e9 poji\u0161t\u011bn\u00ed p\u0159esn\u011b na m\u00edru. Nez\u00e1vazn\u011b a zdarma.<\/em><\/p>\n\n\n\n<div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/mutumutu.cz\/kalkulacka\/uvod'>Chci si spo\u010d\u00edtat poji\u0161t\u011bn\u00ed<\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed: srovn\u00e1n\u00ed, sjedn\u00e1n\u00ed a spr\u00e1vn\u00e9 nastaven\u00ed<\/h2>\n\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed je mo\u017en\u00e9 sjednat prost\u0159ednictv\u00edm poji\u0161\u0165ovac\u00edho specialisty, kter\u00fd na z\u00e1klad\u011b anal\u00fdzy pot\u0159eb p\u0159iprav\u00ed nab\u00eddku. Existuje i mo\u017enost <a href=\"https:\/\/mutumutu.cz\/kalkulacka\/uvod\">sjedn\u00e1n\u00ed online<\/a> a bez komunikace s poradcem. Ne\u017e to ud\u011bl\u00e1te, m\u016f\u017eete <strong>porovnat nab\u00eddky r\u016fzn\u00fdch poji\u0161\u0165oven<\/strong>. Nepodlehn\u011bte ale prvn\u00edmu reflexu vybrat nejlevn\u011bj\u0161\u00ed mo\u017enost. Levn\u00e9 poji\u0161t\u011bn\u00ed toti\u017e \u010dasto znamen\u00e1, \u017ee sice plat\u00edte m\u00e1lo, ale v p\u0159\u00edpad\u011b pr\u016f\u0161vihu tak\u00e9 m\u00e1lo dostanete. Srovn\u00e1v\u00e1n\u00ed nab\u00eddek nen\u00ed sout\u011b\u017e o nejni\u017e\u0161\u00ed cenu, ale o to, co v\u0161echno v\u00e1m poji\u0161\u0165ovna re\u00e1ln\u011b proplat\u00ed. M\u00edsto v\u00fdsledn\u00e9 \u010d\u00e1stky se proto <strong>soust\u0159e\u010fte na t\u0159i kl\u00ed\u010dov\u00e9 v\u011bci<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti a invalidity z jak\u00fdchkoli p\u0159\u00ed\u010din<\/strong>: Obrovsk\u00e1 chyba je pojistit se jen na invaliditu zp\u016fsobenou \u00farazem. Statistiky toti\u017e \u0159\u00edkaj\u00ed, \u017ee za v\u011bt\u0161inu p\u0159\u00edpad\u016f invalidity v \u010cesku m\u016f\u017ee nemoc (v\u010detn\u011b psychick\u00fdch probl\u00e9m\u016f nebo civiliza\u010dn\u00edch chorob), nikoli \u00faraz. Va\u0161e poji\u0161t\u011bn\u00ed mus\u00ed kr\u00fdt oboj\u00ed.<\/li>\n\n\n\n<li><strong>V\u00fdluky<\/strong>: Pod\u00edvejte se, co poji\u0161\u0165ovna odm\u00edt\u00e1 proplatit. Pokud r\u00e1di jezd\u00edte na snowboardu nebo cestujete do exotiky, mus\u00edte m\u00edt jistotu, \u017ee va\u0161e obl\u00edben\u00e9 aktivity nespadly do kolonky \u201enepojistiteln\u00e9\u201c.<\/li>\n\n\n\n<li><strong>Flexibilita<\/strong>: \u017divot se m\u011bn\u00ed \u2013 zm\u011bn\u00edte pr\u00e1ci, za\u010dnete v\u00edc vyd\u011bl\u00e1vat, mo\u017en\u00e1 i na ty d\u011bti nakonec dojde. Dobr\u00e9 rizikov\u00e9 poji\u0161t\u011bn\u00ed v\u00e1s nesm\u00ed sv\u00e1zat na desetilet\u00ed dop\u0159edu. Sledujte, jak snadno m\u016f\u017eete m\u011bnit limity, p\u0159id\u00e1vat \u010di odeb\u00edrat rizika nebo smlouvu v p\u0159\u00edpad\u011b nouze upravit.<\/li>\n<\/ul>\n\n\n\n<p>Dobr\u00e1 pojistka se zkr\u00e1tka mus\u00ed p\u0159izp\u016fsobit va\u0161emu \u017eivotn\u00edmu stylu, ne vy j\u00ed. A jak si poji\u0161t\u011bn\u00ed nastavit, aby <strong>v\u00e1m opravdu krylo z\u00e1da<\/strong>? O tom jsme sepsali <a href=\"https:\/\/mutumutu.cz\/blog\/2021\/09\/29\/jak-nastavit-zivotni-pojisteni\/\">podrobn\u00fd n\u00e1vod<\/a>, tak si ho nezapome\u0148te p\u0159e\u010d\u00edst.<\/p>\n\n\n\n<p>Jedn\u00edm z rizikov\u00fdch \u017eivotn\u00edch poji\u0161t\u011bn\u00ed, kter\u00e1 <strong>mlad\u00ed oce\u0148uj\u00ed<\/strong>, je na\u0161e Mutumutu.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u00edsto des\u00edtek slo\u017eit\u00fdch podm\u00ednek a pozn\u00e1mek pod \u010darou m\u00e1 jen <a href=\"https:\/\/mutumutu.cz\/otazky-a-odpovedi#vyluky\">7 v\u00fdluk<\/a>.<\/li>\n\n\n\n<li>Kryje i probl\u00e9my jako <a href=\"https:\/\/mutumutu.cz\/blog\/2019\/05\/06\/pojisteni-psychickych-nemoci-vcetne-vyhoreni\/\">du\u0161evn\u00ed nemoci<\/a> nebo bolesti zad.<\/li>\n\n\n\n<li>Je flexibiln\u00ed a dok\u00e1\u017ee se p\u0159izp\u016fsobit zm\u011bn\u00e1m ve va\u0161em \u017eivot\u011b (jen se o nich mus\u00ed dozv\u011bd\u011bt).<\/li>\n\n\n\n<li>Vrac\u00ed 30 % za zdrav\u00fd \u017eivotn\u00ed styl.<\/li>\n\n\n\n<li>Sjednat si ho m\u016f\u017eete <strong>rychle a snadno online<\/strong> \u2013 vypln\u00edte p\u00e1r \u00fadaj\u016f do kalkula\u010dky a syst\u00e9m v\u00e1m podle zadan\u00fdch parametr\u016f doporu\u010d\u00ed optim\u00e1ln\u00ed limity. V\u00fdpo\u010dty nejsou n\u00e1hodn\u00e9, je za nimi \u0159ada propracovan\u00fdch kalkulac\u00ed, anal\u00fdz a doporu\u010den\u00ed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed od Egypta a\u017e po Mutumutu<\/h2>\n\n\n\n<p>\u017divotn\u00ed poji\u0161t\u011bn\u00ed bud\u00ed dojem, \u017ee je vyn\u00e1lezem modern\u00ed doby, \u017ee? Ve skute\u010dnosti je v\u0161ak poji\u0161\u0165ovnictv\u00ed <strong>prastar\u00fd obor<\/strong>. Prvn\u00ed formy poji\u0161t\u011bn\u00ed podobn\u00e9ho tomu dne\u0161n\u00edmu se datuj\u00ed u\u017e kolem roku 1900 p\u0159. n. l. v Babylonii, kde si obchodn\u00edci poji\u0161\u0165ovali karavany.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prvn\u00ed zaznamenan\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed vzniklo <strong>v roce 1308 v Pa\u0159\u00ed\u017ei<\/strong> a od t\u00e9 doby se tento produkt neust\u00e1le vyv\u00edj\u00ed.<\/li>\n\n\n\n<li>\u017divotn\u00ed poji\u0161t\u011bn\u00ed v podob\u011b, jak ji zn\u00e1me dnes, se objevilo <strong>v 17. stolet\u00ed v Lond\u00fdn\u011b<\/strong>.<\/li>\n\n\n\n<li>V roce 1762 vznikla prvn\u00ed \u017eivotn\u00ed poji\u0161\u0165ovna (Society for Equitable Assurances on Lives and Survivorships), kter\u00e1 vyu\u017e\u00edvala <strong>v\u011bdeck\u00e9 metody v\u00fdpo\u010dtu<\/strong> pojistn\u00e9ho a \u00famrtnostn\u00ed tabulky.<\/li>\n\n\n\n<li>V \u010cech\u00e1ch za\u010dala s \u017eivotn\u00edm poji\u0161t\u011bn\u00edm <strong>Prvn\u00ed \u010desk\u00e1 vz\u00e1jemn\u00e1 poji\u0161\u0165ovna<\/strong> v roce 1827. M\u011bla v nab\u00eddce zaj\u00edmavou kombinaci \u017eivotn\u00edho poji\u0161t\u011bn\u00ed s po\u017e\u00e1rn\u00edm poji\u0161t\u011bn\u00edm.<\/li>\n<\/ul>\n\n\n\n<p>Dnes u\u017e existuj\u00ed <strong>r\u016fzn\u00e9 modern\u00ed varianty<\/strong> \u017eivotn\u00edho poji\u0161t\u011bn\u00ed, jako je t\u0159eba i na\u0161e <a href=\"https:\/\/mutumutu.cz\/co-pojistujeme\">rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed Mutumutu<\/a>.<\/p>\n\n\n\n<p><em>Nenech\u00e1vejte svou budoucnost n\u00e1hod\u011b. Klikn\u011bte na na\u0161i online kalkula\u010dku a zjist\u011bte, za jak f\u00e9rovou cenu m\u016f\u017eete m\u00edt kryt\u00e1 z\u00e1da. Zabere to m\u00e9n\u011b \u010dasu ne\u017e zkouknut\u00ed p\u00e1r vide\u00ed na TikToku.<\/em><\/p>\n\n\n\n<div class='short-code-mutu-button-wrapper'><a target='_blank' class='big-mutu-button short-code-mutu-button' href='https:\/\/mutumutu.cz\/kalkulacka\/uvod'>Nez\u00e1vazn\u011b spo\u010d\u00edtat cenu<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Mo\u017en\u00e1 si \u0159\u00edk\u00e1te, \u017ee kdy\u017e nem\u00e1te na krku ob\u0159\u00ed hypot\u00e9ku ani rodinu, z\u00e1le\u017eitosti jako \u017eivotn\u00ed poji\u0161t\u011bn\u00ed se v\u00e1s v\u016fbec net\u00fdkaj\u00ed. Jen\u017ee realita um\u00ed ob\u010das hodit solidn\u00ed klacek pod nohy i nejv\u011bt\u0161\u00edm pohod\u00e1\u0159\u016fm. Poj\u010fme se pod\u00edvat, jak\u00e9 m\u00edsto m\u00e1 tento prastar\u00fd vyn\u00e1lez v modern\u00ed digit\u00e1ln\u00ed dob\u011b a pro\u010d by m\u011bl pat\u0159it do m\u011bs\u00ed\u010dn\u00edch v\u00fddaj\u016f (nejen) mlad\u00fdch  &#8230;<\/p>\n","protected":false},"author":58,"featured_media":5721,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[29,5],"tags":[],"class_list":["post-5472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","category-zivotni-styl"],"acf":[],"_links":{"self":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/5472","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/users\/58"}],"replies":[{"embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/comments?post=5472"}],"version-history":[{"count":3,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/5472\/revisions"}],"predecessor-version":[{"id":5725,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/posts\/5472\/revisions\/5725"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/media\/5721"}],"wp:attachment":[{"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/media?parent=5472"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/categories?post=5472"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mutumutu.cz\/blog\/wp-json\/wp\/v2\/tags?post=5472"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}