THE COMPARISON STUDY OF LIFE INSURANCE MARKET IN SLOVENIA AND IN THE EUROPEAN UNION

Življenjsko zavarovanje je osebno zavarovanje, ki se nanaša na zavarovanje za nevarnosti, ki pretijo človeku, njegovemu življenju, njegovi integriteti. Gre za zavarovanje človekovega življenja za primer pogodbenega dogodka in za obdobje, za katero je zavarovanje sklenjeno. Življenjska zavarovanja so v Sloveniji doživela pravi razcvet. Njihov delež v skupni premiji se iz leta v leto povečuje. Kar nekaj let zapovrstjo dosegajo življenjska zavarovanja višjo rast obračunane premije kot neživljenjska zavarovanja. Slovenija kot srednje razvit zavarovalni trg ter razvijajoči se trg življenjskih zavarovanj dosega majhen delež življenjskih zavarovanj v svoji celotni premiji. Magistrska naloga je razdeljena na pet poglavij. V prvem poglavju smo opredelili osnovne pojme življenjskih zavarovanj ter prikazali nekatere vrste življenjskih zavarovanj in osnovne razlike med njimi, ki vplivajo na odločitve o posamezni obliki življenjskega zavarovanja. Seveda pa nismo pozabili opredeliti osnovnega pomena in posameznih funkcij, katere nosi življenjsko zavarovanje.Life insurance is a personal insurance relating to insurance against threats to man, his life, his integrity. This is to protect life for the event and the period for which the insurance is concluded. Life insurance in Slovenia experienced a real boom. Their part in total premiums is increasing from year to year. Higher growth has been archived in life insurance premiums and life insurance in few late years. Slovenia as a medium-developed insurance market and the emerging life insurance market reaches a small share of life insurance in its total premium. Master\u27s thesis is divided into five chapters. In the first chapter we define the basic concepts of life insurance, and show some types of life insurance and basic differences between them which affect the decisions of each form of life insurance. Of course, we did not forget to define the essential meaning and specific functions of life insurance