Life insurance as one of the ways of individual savings

Životno osiguranje na hrvatskom tržištu osiguranja iz godine u godinu sve je vaţnije. Ljudski ţivot je nepredvidiv te ga treba zaštititi i osigurati. Ugovor o ţivotnom osiguranju omogućuje pojedincima da se na vrijeme pobrinu o vlastitoj budućnosti, ali i o budućnosti svoje obitelji. Prvi dio procesa osiguranja života je slanje ponude pojedincu. Nakon što pojedinac prihvati ponudu, osiguravajuće društvo izrađuje policu osiguranja. Polica prati ugovor o osiguranju te je najvažniji dokument u osiguranju. U današnje vrijeme uobiĉajeno je da pojedinac ima više sklopljenih ugovora o osiguranju ţivota kako bi „pokrio“ razliĉite rizike. No suvremeni razvoj životnih osiguranja omogućuje osiguranicima da kroz jednu jedinstvenu policu imaju pokrivene sve željene rizike. Osnovni oblici ţivotnog osiguranja su osiguranje ţivota za sluĉaj smrti i doţivljenja, osiguranje života za sluĉaj smrti, osiguranje života za sluĉaj doživljenja, doživotno osiguranje za sluĉaj smrti i osiguranje kritiĉnih bolesti.With each year on Croatian insurance market, life insurance gets more and more credibility. Human life is unpredictable and in most cases it isn’t how we think it is, so it should be protected and insured. Life insurance contract makes people able to take care of their own and their families future on time. First part of life insurance process is sending the offer to a person. After the person accepts the offer, insurance company makes insurance policy. Policy follows the insurance contract and by doing so, it represents the most important document in the insurance. At present time it’s usual that people have more contracts in order to “cover” more different risks, but modern development of life insurances makes clients cover all wanted risks through one unique policy. Basic types of life insurance are life insurance in case of death and survivorship, insurance in case of death, insurance in case of survivorship, whole life insurance in case of death, and critical disease insurance