Přístup k životnímu pojištění z pohledu české populace

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.