Znaczenie grupowych ubezpieczeń życiowych dla materialnego bytu rodziny
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Date
1985
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Wydział Prawa i Administracji UAM
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The effect of group life insurances on a material position of family
Abstract
The demand on material means indispensable to compensate effects of fortuitous
events can be directed to various sources of compensation.
A particular possibility of such compensation is created by property and personal
economic insurances. Personal group insurances, including group family life
insurances deserve the special attention in that group of insurances. They serve to cover material needs effected by illness, loss of a capacity to
earn and loss of a principal earner. In that way they can substantially contribute
to social security payments.
They belong to the most popular and reckoned economic insurances. Their
dynamic development since 1954 has reached the stage of almost total commonness
among employees of the social sector of economy, eg. approximately 11.6 mln of
persons were covered by that insurance for total of 12 mln of the social sector
workers in 1980.
The attempt at estimating the effectiveness of group life insurances cannot
be an easy task as both in the insurance practice and theory there are no unmistakable
indices defining that effectiveness in relation to social and economic
spheres.
If we adopt that a function of the discussed life insurances is to institute the
immediate aid to family of a deceased worker or in case of death of co-insured
family members then the effects of that insurance aid can be observed by comparing
costs incurred by family effected by an unfortunate fortituous event (death
of a family member) and indispensable expenses for maintaining the present
living standard with a lump sum of benefits gained within the schedule of social
and economic insurances.
Under those conditions, a level of effectiveness of life insuarance will be
related to the sum insured of both the principal insured and others insured. The
insurance office has to follow socio-economic changes, eg. inflationary processes
observed recently and adjust sums insured to the raising costs. In that way taking
out insurances with top sums insured can cover the above mentioned expenses.
The previous insurance practice indicates at indispensability of conducting
research by insurers on the effect of those processes on the effectiveness of insurance
protection and particularly at ascertaining interrelations and indices to
make the level of insurance protection follow the changing socio-economic conditions
of family existence.
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Citation
Ruch Prawniczy, Ekonomiczny i Socjologiczny 47, 1985, z. 2, s. 29-44
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ISBN
ISSN
0035-9629