Istotność aspektów zdrowotnych i finansowych w dobrowolnych ubezpieczeniach z funduszem kapitałowym

Abstract

In the face of ever lower benefits from public pension systems, life insurance with a capital fund is becoming an increasingly important element in the construction of additional individual pension security. However, when deciding on the conclusion of a long-term insurance contract, it is important to know the general terms and conditions of the contract, which candidates for insurance must meet, but also their expectations of protecting capital in the face of falling market interest rates.