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Toto sú prípady, kedy je životné poistenie záchrannou sieťou

Napísal SB 08. február 2025

Odborník UNIVERSAL maklérsky dom: Životné poistenie vás neochráni pred chorobou, no je to základná finančná istota, ktorá zabezpečí poistenému a jeho rodine dôstojný život za každej situácie. Mnohí vnímajú životné poistenie ako luxus, zbytočné vyhodené peniaze,...

freepik_life_insurance

... pretože nikoho neochráni pred úrazom a ani pred chorobou. Ako však upozorňujú odborníci, je potrebné si uvedomiť, že pri nečakanej udalosti, ako je napríklad ťažká či dlhotrvajúca choroba, prípadne vážny úraz a s tým spojená dlhodobá liečba, znamená aj stratu podstatnej časti príjmu. Nemocenské pritom ani zďaleka nepokryje základné výdavky rodiny spojené s udržaním si nastaveného štandardu. Prípadné následné uznanie invalidity dokonca so sebou prináša značný prepad príjmu, a to až do dôchodkového veku. „To znamená, že životné poistenie nás ochráni pred prípadnou stratou príjmu,“ hovorí Ivan Huspenina, odborný garant pre životné poistenie spoločnosti UNIVERSAL maklérsky dom. Spoločnosť patrí k jednej z najväčších maklérskych spoločností pôsobiacich na slovenskom trhu.

Krytie výpadku financií

Z môjho pohľadu je potrebné si uvedomiť, že životné poistenie je základná finančná istota, ktorá zabezpečí klientovi a jeho rodine dôstojný život za každej situácie,“ zdôrazňuje Ivan Huspenina. Na vysvetlenie postačí ilustračný príklad. „Zoberte si zamestnanca s hrubým príjmom 1 600 eur, teda s čistým príjmom 1 212 eur. V prípade choroby či úrazu by mal mať nárok na nemocenské od štátu vo výške 820 eur. To znamená, že hneď ide o čistú stratu 392 eur na mesiac,“ vypočítava Ivan Huspenina. Ako dodáva, na mieste je otázka, ktoré výdavky vo svojej rodine dokáže znížiť z mesiaca na mesiac takmer o 400 eur? „Bude platiť menej za plyn? Elektrinu? Prestane platiť úver? Dostane takýto klient 30-percentnú zľavu na nákup v potravinách len preto, že je maród?“ pýta sa. Ak by začal poberať invalidný dôchodok, bolo by to dokonca len 380 eur mesačne. Teda prepad v jeho príjme by bol -832 eur mesačne až do dôchodku.

Štyri úlohy poistenia

Aj preto, ako podotýka odborník, má poistenie 4 základné úlohy. „Tou prvou je ochrana samotného klienta pred prípadnou stratou príjmu, a teda udržanie si nastaveného životného štandardu,“ vysvetľuje. Druhou, rovnako dôležitou úlohou, je ochrana blízkych. „V prípade nečakaných udalostí, ako je úmrtie živiteľa rodiny, pomáha životné poistenie zabezpečiť rodinu, pokryť hypotéku, výdavky na vzdelanie detí alebo každodenné potreby,“ konštatuje Ivan Huspenina. Životné poistenie je rovnako istotou v neistote, že rodina dokáže znášať náklady a výdavky spojené s bežným životom, štúdiom detí a pod. „V neposlednom rade, je pre celú rodinu istotou, že aj v ťažkých chvíľach budú mať blízki finančnú podporu,“ dodáva Ivan Huspenina, odborný garant pre životné poistenie spoločnosti UNIVERSAL maklérsky dom.

Zdroj foto: Freepik

30 komentárov

  • Komentár how steroids affect your body %AM, %08 %084 %2025 %01:%apr napísal how steroids affect your body

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    It can also negatively impression levels of cholesterol and suppress pure testosterone production,
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    Study about the advantages and risks of steroids, how to use them safely.
    Our comprehensive articles cover everything from bulking and slicing cycles to post-cycle therapy and unwanted effects.

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    After all, males are just changing the levels of testosterone that ought to normally
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    Still, extra water retention can and must be prevented utilizing a SERM or AI (keeping in mind that
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    It has a protracted half-life, so you will get away
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    From week three onwards, the visible enhancements
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    If it’s a first-time stack utilizing Testosterone
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    However if you need to lose some fats and get ripped – Anavar can actually do the
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    Anavar is considered a light steroid, however it may possibly nonetheless trigger some
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    Nonetheless, it stays a typical cycle amongst bodybuilders who favor orals
    vs. injectables. However, when Anadrol isn’t used in conjunction with a high-calorie food plan (with plenty
    of sodium), water retention is minimal. If calories and sodium
    are low, customers usually report no further water retention at all; therefore, numerous men’s
    physique opponents cycle Anadrol before a show, making their muscular
    tissues seem as full as potential. Regardless Of a decrease dose being administered during this cycle,
    notable will increase in dimension and strength are generally experienced due to the body
    not having used this compound before. Usually, Anavar is taken orally, and the dosages are divided into two
    or three equal doses throughout the day. Dr. Jack Parker, holding a Ph.D.
    and driven by a deep ardour for fitness, is a trusted expert in bodily health and authorized steroids.


    Rarely will men use Tbol as the principle or solely anabolic compound except it is to reinforce a TRT cycle.
    Turinabol is best used as half of a larger cycle where it might possibly introduce different results on prime
    of the other AAS – and sometimes, it goes to be utilized as a kickstarter compound.
    The most blatant AAS I want to examine Turinabol is Dianabol since that’s what Tbol is based on. It’s also price taking a glance
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    Few men will use Tbol as a primary compound, so we won’t usually have first-hand experiences specifically for Turinabol ONLY results.
    There’s virtually at all times no much less than one other AAS contributing to the result.
    Nonetheless, anybody with some AAS experience will be in a position to differentiate what Tbol is doing in a cycle and how it provides (or
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    Going further, they mistakenly imagine that PCT isn't necessary after such a
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    when you happen to run an Anavar solely cycle,
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    Adding to the Anavar women subject, this drug is nice for female athletes on the lookout for an edge.
    Considering the superb strength and muscle positive aspects that var offers to women, athletes will really recognize it.
    Sadly, collegiate and professional sports leagues don't precisely endorse Anavar for women, so
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    When you're ready to begin your cycle, begin with a dosage of
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    Moreover, testosterone esters should all the time be used
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    This will present your body the most effective opportunity of using the testosterone to its maximum capability.
    You must also just ensure you get frequent blood work accomplished
    whereas utilizing testosterone esters.

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    Incorporating each exercises into your routine can provide a complete chest workout,
    targeting totally different muscle fibers and promoting general strength and development.
    It frustrates me when I see the trap bar is just used for the lure bar deadlift.
    The lure bar is an incredibly versatile piece of kit that
    can be used to problem your upper body as well.
    In explicit, the trap bar bench press is a great addition for these looking to bench press while limiting stress on their shoulders and different joints.
    In this information, we'll break down how to do the entice bar bench press with correct form and focus on all the advantages of the
    underutilized exercise. It primarily targets the chest
    muscular tissues, with minimal involvement of other
    muscle teams.
    The seated chest press primarily prompts the chest muscles, with minimal involvement of different muscle groups.

    The bench press, then again, is unrivaled in its ability to comprehensively develop the chest, shoulders, and triceps.

    It allows for using heavier weights because of the involvement of extra muscle groups
    and the assist of a bench for stabilization. Additionally, it is
    a elementary compound movement that serves as a cornerstone in any strength, muscle-building,
    or powerlifting program. While the pec deck fly is effective for isolating the upper chest, it is typically thought of less effective for overall chest
    development in comparison with the bench press.


    As you get more reps, you will higher develop the form and mind-muscle connection. I don’t
    have a bench and was questioning if I can do presses on the ground with dumbells and if it helps my chest develop the identical.

    Begin with a weight that you could management all through the entire
    vary of movement with good type. Sam is a Private Coach, On-line Coach and
    Fitness Educator with background in achieving results for quite so much of purchasers.
    Sam now specialises in Pain Free Efficiency, serving to people
    across the world to realize their targets safely and effectively.

    In the realm of chest workout routines, the pec deck fly and
    bench press stand as two formidable contenders. Both workout routines target
    the pectoral muscle tissue, however they differ in their biomechanics,
    effectiveness, and muscle activation patterns. This blog submit will delve right into a complete comparability of pec deck fly vs bench press, empowering you with the data to
    optimize your chest workouts. One advantage of the bench press is the
    wide selection of variations and progressions that can be included into your workout routine.
    This consists of the close-grip bench press, decline
    bench press, and floor press, among others.

    The bench press and incline bench press are each in style workouts used to target the chest, shoulders,
    and triceps. The bench press is performed on a flat bench, while
    the incline bench press is performed on an incline bench set at an angle of around levels.
    The incline bench press locations extra emphasis on the higher chest and shoulders,
    while the bench press targets the overall chest muscles extra evenly.
    Both the incline dumbbell press and the flat bench press
    are effective workout routines for constructing a powerful, muscular chest.

    This is exactly what you need in case you are making an attempt to deal
    with muscular imbalances or enhance lockout strength. You must also bear in mind that lure bars can differ lots in weight and size.

    Due To This Fact you'll have to account for
    that as they probably do not weigh the identical as an Olympic barbell.

    Although the chest is the least active muscle group in the flooring press,
    it's still used as the first mover. We may have probably the most lively chest once we
    decrease the bar, since it has a role in stabilizing the trajectory of the bar and slowing down before the elbows hit the ground.
    Additionally, the chest shall be extra lively if we select to
    lift our elbows immediately stacked under the bar instead of
    doing a slight bend in the elbows. As it is a multi-joint exercise during which we are allowed to work with high masses, it is going to be a
    good exercise to achieve energy. This train allows you to load more weight than other related exercises such as the bench
    press.

  • Komentár steroids for endurance athletes %AM, %27 %082 %2025 %00:%mar napísal steroids for endurance athletes

    We're a community targeted at female and gender non binary/gender non conforming redditors to debate health.
    However, all genders are welcome to contribute, all we ask is that
    you just abide by the foundations. My advice to
    you is to run Stronglifts, Starting Power or Greyskull for as long as potential, as that is the quickest progress you’re ever going to see as
    a lifter. Every pre-designed program comes with a quantity of templates.


    The only distinction is that barbell rows are used as an alternative of energy
    cleans. Mehdi says that it's because "barbell rows are simpler to study and build your upper-body muscle tissue greater than power cleans do." And that’s true.
    However barbell rows are nonetheless quite onerous for novices to be taught, requiring numerous hip mobility
    and lower-back strength. And because they’re so
    often limited by hip and lower-back strength, they don’t tend to be all that
    nice for helping novices build larger higher back muscular tissues.
    At least not when carried out as Mehdi recommends—explosively from the floor.
    What is your opinions on these two routines in phrases of getting big
    and strong? The two routines each give consideration to the same compounds like squats, deadlifts, presses and so forth but the only difference
    is that one program has barbell rows why the ss has power cleans.

    Then take shorter relaxation intervals in your back-off
    sets. Some individuals assume beginning with lighter weights is a waste of time.
    New lifters can get stronger by training with only 60% of their max (13).
    They can make progress despite doing 5×5 at a decrease RPE of only 5-6.
    Whereas you do have to put in more effort when you get stronger, you
    don’t need to train tremendous heavy when you begin Stronglifts 5×5.

    The 5x5 Stronglifts Program is a proven, straightforward approach
    to building strength and muscle mass. By following
    this 8-week information and specializing in progressive
    overload, correct vitamin, and sufficient restoration, you presumably can achieve impressive ends in a relatively short time.

    If you’re already in shape, start with 50% of your 5 rep max.
    As a rule of thumb, use the identical weight for all sets and reps.
    Like most coaching programs, Beginning Power requires a great warm-up to organize your muscles for the demands
    of exercise. Rippetoe provides some examples of warm-up units on his web site.

    Another side to consider is your capacity to comply with the program
    as beneficial. Rippetoe suggests reducing the load by eight
    to 10% after which making an attempt to increase it once
    more if you cannot complete the prescribed number of sets and reps.
    Coaching for strength is different than training for measurement.

    Lifters have totally different anthropometries (limb lengths etc) as well as different strengths and weaknesses,
    and this will be mirrored in motion variations. Attempting to pressure everybody into the same box isn’t ideal.
    This is a straightforward and efficient training modality
    when adopted appropriately.
    The starting strength program gained reputation all through the last decade.

    With Stronglifts, lifters may must be extra conscious of fatigue, nevertheless, as quickly
    as once more, the general coaching quantity isn't excessive.
    In The Meantime, the row was added as Mehdi believed the other compound workouts didn’t do enough to work the muscles of the higher back.
    Keep In Mind that weight ought to solely be added when you have successfully completed five sets of five reps at a given weight.

    Depth – Any program that has you persistently progressing on sets of 5,
    regardless of how many work units you may be doing, provides adequate
    depth for muscle growth. Also, 5 rep sets are enough for training
    exercise type, something all newbies are in want of. One Other
    downside with Starting Power is that it starts off with fairly advanced variations of the massive barbell lifts.
    It can also ingrain some poor lifting habits which can be a pain to fix
    down the street.

  • Komentár https://Datez.pro/@dorissnider532 %PM, %26 %981 %2025 %22:%mar napísal https://Datez.pro/@dorissnider532

    The sleeves on the Ohio Energy Bar are grooved, and they also come in a variety of finishes.
    Most embrace onerous chrome (great choice), but it could also include bare
    steel, Cerakote, and stainless-steel. If you buy naked metal,
    I recommend maintaining the barbell with oil
    each few weeks to restrict oxidation (see beneath for barbell upkeep
    tips). The Ohio Power Bar spins with bushings, that are business normal on power bars.

    But before you dig into every one you also needs to know
    some of the averages of the 100+ barbells. Finally, we chose 8 barbells
    to advocate and made positive the picks lined all needs and budgets.
    I’ll spill the beans and share my dislikes, but that’s solely a small part
    of the story. Every piece of information is essential within the battle for clear sport.

    Dr. Jessica Klain of Physio Yoga & Wellness provides customized consideration and
    care at no cost to our teaching shoppers.
    That's because the lifts are difficult to study and execute
    nicely, so it takes years to turn out to be a aggressive weightlifting
    athlete. Do some gentle cardio, adopted by dynamic
    stretches and mobility exercises for all of your main muscular tissues and joints.
    Additionally, practice the Olympic carry day utilizing an empty
    barbell or just a wooden pole. That stated, in case
    you are severe about learning and mastering the Olympic lifts,
    you should hunt down an Worldwide Weightlifting Federation coach or
    be part of a weightlifting membership. I’ve crafted two coaching
    days that can help you progress your coaching to the subsequent
    level. You ought to go forward and spend some time creating a extra powerful push press.

    Doing so will enhance the power of your triple extension as properly as the overhead
    pushing force.
    In Paris in August, Reeves became the first girl
    from the United States to face on top of the Olympic weightlifting podium.

    Right Now she repeated a feat no other American lifter has achieved – topping the rostrum above athletes from PRK and China.
    This sport requires dedication to studying the lifting form and creating the mandatory energy, joint stability, and mobility to remain safe.
    Ensure you all the time carry out a radical, sport-specific warm-up, learn and
    make the most of excellent form, keep away from ego
    lifting, and follow a plan written by an expert.
    Avoiding injuries throughout weightlifting is much like some other power sport.
    If you wish to compete in weightlifting, try the USA Weightlifting competitions in your area.
    These are a variety of the many weightlifting drills that could
    be useful when learning the Olympic weightlifting actions and
    working by way of widespread challenges.
    Whereas it’s beyond the scope of this article to show you tips on how to snatch and clean and jerk with excellent
    type, we’ll give you the fundamentals to get you started.
    Whole books have been written about these movements, so we can’t do justice to them throughout the confines of an article.
    Whereas Olympic lifting is not essentially the most harmful sport,
    lifting and balancing heavy weights overhead can cause harm.
    If you lose your steadiness while squatting or standing under
    a heavy bar, you can be critically hurt. Not Like powerlifters, Olympic lifters don't use energy cages,
    so a missed lift could probably be catastrophic.
    As A Result Of the Olympic lifts are explosive,
    they aim your type 2b fast-twitch muscle fibers.

    In truth, Weightlifters generate extra power after they carry
    than the athletes in any other sport, along with testing their strength.
    The weigh-in is also the place athletes — typically by way of their coaches — declare what number
    of kilograms they may try to carry throughout their initial attempts for each the snatch round and the clean and
    jerk spherical. Competing in the men's 85kg (187 lbs) division, Dimas missed his ultimate two lifts
    in the clear and jerk and wound up incomes bronze behind George Asanidze of Georgia
    and Andrei Rybakou of Belarus. After Dimas attempted and failed
    at 205.0kg (452 lbs), he tried at 207.5kg (457 lbs) in an effort to win gold, but missed that attempt, too.

    In addition to the Olympic lift variations,
    there are also several other actions that you should embrace in your workout that may instantly affect your Olympic lifting efficiency.
    Same as above, except now you’re going to
    make use of triple extension and shrug to tug the bar upwards and pull your physique underneath.
    The muscle snatch simply has you holding onto the bar after
    which forcefully pulling the bar up with
    a shrug.
    The two lifts, the ‘Clean & Jerk’ and the ‘Snatch’ are explosive actions as they
    require a mixture of maximal power and maximal speed.
    The clean and jerk comprises the ultimate round of Olympic competitors.
    It is a two-motion carry – the clear and the jerk – and allows for using a lot larger weight than the snatch.
    The first part, the clear, is done by pulling the bar up to the
    shoulders, with bent elbows underneath the bar, in an upright stance.

    Throughout these actions, the velocity of the barbell continues to increase up till the top of
    the second pull or drive section (Figure 4).
    An athlete that fails all three of his/her attempts
    in either round is disqualified from the competition. If this happens within the snatch round,
    the athlete does not compete in the clear and jerk. At the beginning
    of each round, the athlete who requests the bottom starting weight is identified as to the platform first.
    Weight is added to the bar progressively and may solely be elevated, by no means
    decreased. Athletes lift so as of requested weight until every competitor has made three attempts.