{"id":5950,"date":"2025-01-25T13:08:13","date_gmt":"2025-01-25T13:08:13","guid":{"rendered":"https:\/\/ifs.co.me\/?p=5950"},"modified":"2025-04-23T16:55:22","modified_gmt":"2025-04-23T16:55:22","slug":"sta-je-zivotno-osiguranje","status":"publish","type":"post","link":"https:\/\/ifsps.co.rs\/en\/sta-je-zivotno-osiguranje\/","title":{"rendered":"LIFE INSURANCE"},"content":{"rendered":"<p style=\"text-align: justify;\">\u017divotno osiguranje nastaje kao te\u017enja za osiguranjem budu\u0107nosti, a omogu\u0107ava nam \u0161tednju.<\/p>\n<p style=\"text-align: justify;\">\u010cesto se postavlja pitanje da li je bolje da pojedinac sam \u0161tedi novac ili da ugovori polisu \u017eivotnog osiguranja. \u0160tednja je dobra i ostvaruje prednosti kroz vreme, ali zahteva protok odre\u0111enog perioda, sredstva i doslednost.<\/p>\n<p style=\"text-align: justify;\">\u0160tednjom putem polise osiguranja omogu\u0107ava se akumuliranje kapitala koji se mo\u017ee koristiti za ugodniji \u017eivot u starijim godinama odnosno za re\u0161avanje va\u017enih \u017eivotnih pitanja: \u0161kolovanje dece, stupanje u brak, dopuna penizije&#8230; Akumulirani kapital &#8211; novac, mo\u017ee se iskoristiti u zavisnosti od potreba i \u017eelja klijenta.<\/p>\n<p style=\"text-align: justify;\">U slu\u010daju osiguranja \u017eivota, Dru\u0161tvo za osiguranje preuzima obavezu da korisniku osiguranja isplati ili ispla\u0107uje ugovorenu sumu novca ukoliko nastupi predvi\u0111eni doga\u0111aj, uz uslov da u odre\u0111enim rokovima na ra\u010dun dru\u0161tva klijent upla\u0107uje ugovoreni nov\u010dani iznos (premiju osiguranja). Osigurana suma je unapred odre\u0111en iznos koji \u0107e biti ispla\u0107en u slu\u010daju nastupanja osiguranog slu\u010daja (neki doga\u0111aj ili smrt). Premija osiguranja je iznos koji je Osiguranik ili Ugovara\u010d osiguranja u obavezi da plati ili upla\u0107uje na osnovu zaklju\u010denog ugovora o osiguranju.<\/p>\n<p style=\"text-align: justify;\">Ljudi kupuju \u017eivotna osiguranja zbog nepredvidivosti budu\u0107nosti. Iznenadna smrt ili bolest nosioca prihoda u porodici mo\u017ee doneti negativne posljedice za porodicu, a osiguranjem \u017eivota re\u0161avaju se i neka va\u017ena \u017eivotna pitanja koja \u0107e biti aktuelna u budu\u0107nosti.<\/p>\n<p style=\"text-align: justify;\">In the event of the insured's death, life insurance provides financial stability to the family. If the client is interested in the financial security of his family and does not want to use a life insurance policy as a savings instrument, he can take it out for a case of death.<\/p>\n<p style=\"text-align: justify;\">Naj\u010de\u0161\u0107i razlozi za\u0161to se ljudi opredeljuju za polisu \u017eivotnog osiguranja su za\u0161tita prihoda porodice, ostavljanje novca deci ili unucima, re\u0161avanje nekih va\u017enih \u017eivotnih pitanja, isplata hipoteke ili nekog duga, ulaganje u \u0161kolovanje dece i sli\u010dno. U zavisnosti od razloga mo\u017ee zavisiti iznos polise osiguranja, odnosno optimalni iznos koji bi osiguraniku bio dovoljan za odre\u0111eni slu\u010daj.<\/p>\n<p style=\"text-align: justify;\"><strong>Savings insurance and risk insurance<\/strong> su dve glavne kategorije \u017eivotnog osiguranja.<\/p>\n<p style=\"text-align: justify;\">Kako je budu\u0107nost neizvesna nije jednostavno odlu\u010diti na koji period ugovoriti polisu, ali mo\u017eda je du\u017ei period bolja opcija imaju\u0107i u vidu da nikada ne znamo \u0161ta donosi sutra.<\/p>\n<p style=\"text-align: justify;\">Pla\u0107anje premije klijent treba da prilagodi svojim izvorima prihoda. Ukoliko ostvarujete mese\u010dnu zaradu, mese\u010dna dinamika pla\u0107anja \u0107e biti dobar izbor. Ukoliko klijent ne prihoduje svakog meseca, dinamika mo\u017ee biti kvartalna ili godi\u0161nja.<\/p>\n<p style=\"text-align: justify;\">Contact the IFS team to choose the best insurance for you and your family.<\/p>\n<p style=\"text-align: justify;\">Kontaktirajte IFS Poslovni sistem tim na mail info@ifsps.co.rs kako biste izabrali najbolje osiuranje za sebe i svoju porodicu.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u017divotno osiguranje nastaje kao te\u017enja za osiguranjem budu\u0107nosti, a omogu\u0107ava nam \u0161tednju. \u010cesto se postavlja pitanje da li je bolje da pojedinac sam \u0161tedi novac ili da ugovori polisu \u017eivotnog osiguranja. \u0160tednja je dobra i ostvaruje prednosti kroz vreme, ali zahteva protok odre\u0111enog perioda, sredstva i doslednost. \u0160tednjom putem polise osiguranja omogu\u0107ava se akumuliranje kapitala [&hellip;]<\/p>","protected":false},"author":1,"featured_media":6789,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[78,77,17,40],"class_list":["post-5950","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-osiguranje","tag-ifs-poslovni-sistem","tag-ifsps","tag-osiguranje","tag-zivotno-osiguranje"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.3 - 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