Životní pojištění pro řešení potřeb v postaktivním věku

Abstract This thesis addresses the issue of life insurance in the context of the needs of individuals in post-retirement age, with particular emphasis on the potential use of smart technologies, especially so-called wearables. The introduction outlines the motivation for examining this topic against the backdrop of demographic developments and population ageing. This is followed by a historical overview of the development of life insurance, providing a framework for understanding the current form of insurance products and their key principles, such as the principle of solidarity, equivalence, and insurability of risks. The definition of wearables is presented from both a technical and functional perspective, identifying the main categories of these devices and their current market offerings. Based on an analysis of the available literature and current practical examples, the thesis describes the present state of wearable use in life insurance, which is still at an early stage in the Czech Republic, but already yields concrete models of cooperation between insurers and clients abroad. Furthermore, the thesis examines the possibilities of using data outputs from wearable electronics not only in the field of life insurance but also in related sectors such as private health insurance, eHealth, and telemedicine. In the practical section, a specific model of risk life insurance focused on senior dependency is proposed, taking into account the potential integration of wearable data. The conclusion summarises the main findings and evaluates the contribution of wearables to the future development of life insurance, both from the perspective of risk individualisation and from the perspective of behavioural economics and client motivation towards a healthier lifestyle. The final parts of the thesis consist of a list of references and an index to facilitate navigation through the text.