Analysis of life insurance in practices of insurance company in the Republic of Croatia

Osnovna svrha životnog osiguranja je pružanje zaštite i stvaranje financijske sigurnosti pojedincu i njegovoj obitelji od određenih opasnosti koje mu mogu nauditi. Stoga ovaj rad obuhvaća objašnjenje osnovnih pojmova za razumijevanje osiguranja, razvoj osiguranja te podjelu osiguranja. Temelj ovog rada je analiza životnog osiguranja provedena u odabranim osiguravajućim društvima kroz broj osiguranja, bruto zaračunatu premiju te bruto nastalu štetu i bruto likvidiranu štetu. Analiza se provodi i na temelju ponude osiguranja koju nude promatrana osiguravajuća društva, te na temelju osnovnih komponenti važnih za ugovaranje police životnog osiguranja.The primary purpose of life insurance is to provide protection and create financial security for the individual and his family from certain hazards that may hurt him. Therefore, this paper covers the explanation of basic concepts for understanding insurance, development of insurance and the classification of insurance. The basis of this paper is the analysis of life insurance in selected insurance companies through the number of insurances, gross written premium, gross incurred damage and gross liquidated damage. The analysis is also carried out on the basis of the insurance offers that are offered by the observed insurance companies and on the basis of the essential components important for negotiating of life insurance policies