Toto sú prípady, kedy je životné poistenie záchrannou sieťou

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

26 komentárov

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    We're a community targeted at female and gender non binary/gender non conforming redditors to debate health.
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    Then take shorter relaxation intervals in your back-off
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    In addition to the Olympic lift variations,
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    Same as above, except now you’re going to
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    The muscle snatch simply has you holding onto the bar after
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    The two lifts, the ‘Clean & Jerk’ and the ‘Snatch’ are explosive actions as they
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    The clean and jerk comprises the ultimate round of Olympic competitors.
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    Throughout these actions, the velocity of the barbell continues to increase up till the top of
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    will help you get the proper weightlifting belt
    for you. To find the proper measurement for a weightlifting belt, measure the
    circumference of your waist around the space
    you propose to put on the belt.
    Use the belt judiciously; over-reliance can result in weakened core muscles.
    Many clients say the belt is durable enough for intense workouts.
    It supplies nice assist with out pinching or scratching and is favored for squats, deadlifts, and
    different compound actions. Nonetheless, some customers observe that correct sizing is essential for optimal support.

    The Iron Bull Energy Powerlifting Belt is engineered to boost efficiency, providing stability, security, and ultimate comfort.


    Maintain in thoughts that when you don’t think that unless you’ll want to regulate the belt, you should still
    take the lever belt over this one. If you do
    a lot of changes to your belt while performing completely different exercises, you’ll want the type of belt
    closure that helps that. Inzer belts are made of top quality genuine
    leather, which provides it an excessive stage of sturdiness and
    helps it last for many years with out alternative.
    /r/weightlifting is where we discuss the aggressive sport of Weightlifting; the Snatch and Clear and Jerk.
    Surveys usually are not welcome unless they are specific to the
    Sport.Examine out the wiki for applications, tutorials, WL portals and information in regards to the sport.

    The Gymreapers Quick Locking Weightlifting Belt is an ultra-popular choice—and for a good reason. It measures
    four inches all the way around for the utmost stabilization, and its
    hook-and-loop Velcro closure lets you rapidly and simply adjust
    the match. And Gymreapers’ lifetime alternative assure guarantees
    a brand-new belt for freed from charge, should you may have any issues together with your belt’s efficiency.

  • Komentár Mass gaining Steroids %AM, %25 %267 %2025 %05:%mar napísal Mass gaining Steroids

    Stand on the top of 1 band along with your proper foot and hold it together
    with your left hand. Do the other with one other band so that
    the bands cross one another. Bend your hips again until your torso is sort of parallel
    to the ground. Squeeze your shoulder blades together
    and lift your arms out to your sides. You can train any muscle together with your shoulders, together with the chest, back, arms, legs, and
    core.
    Both forms of stretches have totally different advantages for the muscle
    tissue and joints. One area the place many people experience tightness is within the shoulders and neck, which
    is usually attributable to unhealthy posture, or hunching over in front of a screen. We love that Austin is
    all the time sharing enjoyable, efficient exercise
    videos for her fans that inspire ladies of all ages to
    be their healthiest selves.
    It Is an effective way to see when you have tight shoulders and
    where you should be specializing in for improving shoulder
    mobility. Thus, constantly training your shoulders is important for
    athletes since deltoid strength is essential in many sports.
    In addition, it plays a big part in urgent movements,
    such because the barbell bench press.
    For this reason, it pays to train them on their own, i.e., in isolation. The dumbbell rear delt fly is an easy
    and handy means to do that. Many so-called practical fitness experts are very quick to throw shade on the shoulder press machine.
    They say it doesn’t practice your muscles and joints as they work naturally.
    However, if your goal is hypertrophy and you don’t care about functionality,
    the shoulder press is a wonderful option. After all, it permits you
    to practice your deltoids to failure with little threat of injury and with out your stabilizer and synergist muscular tissues failing first.
    This quantity of shoulder energy coaching provides you the most effective potential muscle progress gains
    as a result of your shoulders need enough relaxation to ensure that the muscular tissues to have the ability to repair and grow.

    However in the case of the shoulder muscles, we are essentially taking a glance at three different muscular tissues in one.
    With the front and aspect delts taken care of, it’s time to show our attention to the rear delts.
    Just ensure to begin out with mild weights and steadily enhance your range of motion. Shifting
    again to a compound exercise, the behind-the-neck press is a variation of the standard overhead press.
    Jacked Gorilla was founded in 2013, and started publishing bodybuilding supplement reviews, and well-known exercise routines.
    It wasn't acquired by Rich Gorilla Limited till 2019, and since then both our
    range of content material and our viewers have grown significantly.
    Outlined shoulders are a vital element of an overall well-proportioned body, so selecting
    the best workouts to develop these muscles best is
    important.
    They are important for building a formidable and balanced physique
    and are crucial for practical energy. The cable lateral increase is certainly one of the finest two-arm cable shoulder workouts you can do when you work
    out your side deltoid. Dumbbell lateral increase is an easy yet efficient train that can assist you to
    goal the shoulders, significantly the lateral or center deltoid muscle
    tissue. Positioned on the front of your shoulder, the anterior deltoid is usually the largest and
    most well-developed of the three deltoid heads. That’s as a outcome of, as properly as being
    concerned in plenty of shoulder workout routines, it’s additionally labored if you prepare your
    chest. Your deltoids, or delts for brief, are your main shoulder muscles.

    Nevertheless, somewhat than being one single muscle, the deltoids are made up of three units of fibers,
    sometimes referred to as heads.
    By drawing back or pushing ahead with the arms on the sides or
    in entrance of the body, the shoulder blades are managed
    and manipulated throughout this exercise. This exercise can improve
    whole shoulder strength and mobility whereas preventing and treating rotator cuff points.
    A shoulder rehabilitation exercise called the "pendulum" will increase shoulder power, mobility, and
    stability. Practical exercises can help with every day
    actions, damage prevention, enhancing general fitness, practical movement,
    and athletic performance. This exercise can assist with posture, shoulder stability, and scapular mobility.
    For even more useful variation, strive implementing standing single-arm landmine presses into your exercise routine.

    So to ensure we're growing well-rounded shoulders, we’ll guide
    you through a variety of shoulder workouts, hitting different muscles from totally different
    angles. Now that we've conquered the dumbbells, it's time to step up to the barbell.
    This routine is going to take that shoulder energy to the subsequent degree.
    Now, the shoulder is not a single muscle however
    a group of three primary ones – the anterior, medial, and posterior deltoids.
    A shoulder impingement is when the tendons or bursa throughout the shoulder joint turn into compressed or pinched.
    This can cause ache and discomfort, commonly seen in athletes performing repetitive overhead activities or
    those with poor shoulder mechanics. Need extra cable shoulder workout routines centered on gaining muscle size?

  • Komentár Eloisa %AM, %25 %209 %2025 %04:%mar napísal Eloisa

    They’re usually done with a lot lighter weight and the main target is on driving the weight
    explosively using power generated from the hips. They may not pack on muscle
    mass quite as well as deadlifts, however a kettlebell could be taken on a road trip a lot easier than a barbell and four hundred kilos.

    Constructing a powerful deadlift can even improve athletic performance
    by strengthening the muscles that assist running, jumping,
    and different athletic moves.
    If you’re seeking to exchange the farmer’s stroll with another train, rack pulls can goal your posterior chain and grip power successfully.
    Rack pulls are a variation of the deadlift exercise,
    the place the barbell is set on a rack at knee height or slightly above.
    This permits you to carry heavier weights
    and focus on strengthening your upper back, glutes, and hamstrings.
    Rack pulls also problem your grip strength,
    making them an appropriate different to the
    farmer’s walk. Romanian deadlifts are a deadlift
    variation that uses much less knee flexion and places higher emphasis on the posterior chain. Romanian deadlifts start from standing, eliminating the initial ‘push’ off the ground in a traditional deadlift.
    As An Alternative, Romanian deadlifts are accomplished with stiff legs and a micro-bend in the knee.


    Deadlift is a powerful compound exercise that engages numerous muscle tissue throughout the body, each in the anterior and posterior chains.
    Incorporating completely different deadlift variations into your exercise can goal particular muscles for enhanced training effects.

    Primarily a hamstring movement, the Romanian deadlift of 'RDL'
    is a incredible train for teaching the proper hip hinge motion pattern. Low back-hip hinge], which is required to allow lifters to maintain optimum alignment'.

    Did you enjoy studying this text in regards
    to the trap bar alternatives? If so, please share it with your friends on Twitter,
    Fb and Pinterest. When stepping forward, be certain to hold your torso straight
    and perpendicular to the ground. This shall be particularly helpful if you start adding weight to
    this particular train.
    They require a bit of follow to master, however they’re well price it for people coaching with just dumbbells.

    Sumo deadlifts are much like standard deadlifts, but you may
    need a neater time getting into place, and you’ll most likely find
    that your lower back doesn’t must work as hard.
    Mind you, they’re nonetheless fatiguing, and so they do still hit your lower back relatively onerous.

    This requires every muscle to exert extra pressure, even for a smaller range of
    movement. Your complete physique will profit from this increased load, however
    your again and glutes will really feel it. The deficit deadlift
    could be the best variation, so you'll use this movement extensively.

    To carry out one, you merely stand on an elevated as you carry out the carry.

    The neutral grip handles also permit for a much stronger grip on the bar while being
    way more forgiving in your arms and shoulders. Excellent for carries, jumps and most deadlift variations you can consider – including preserving those hips excessive and putting the emphasis again onto
    the glutes and hamstrings. Whereas conventional deadlifts have loads of benefits, they aren’t the only approach to develop
    a robust posterior chain. Combine and match these options to take your power training to another stage.

  • Komentár Garnet %PM, %24 %944 %2025 %21:%mar napísal Garnet

    Chest dips carried out on dipping bars present what push-ups
    can't; complete bodyweight resistance and deep eccentric pec loading.
    They also smash the lower pecs and hit the triceps lengthy head better than most triceps workouts.
    Furthermore, dips are more shortly and evenly loaded with extra weight, providing
    more convenient development.
    Analysis suggests that dumbbell presses activate the
    pec main to the next diploma than barbells and smith machine
    bench presses because of both a higher vary of movement and demand for stability2.
    Subsequent, have interaction your arms and push the dumbbell ahead till
    your arms are straight in entrance of you. You can advance the train by completing the motion with one arm at
    a time. This will provide an analogous impact
    as should you were to use the chest press machine at the
    fitness center.
    Allow no less than 48 hours between intense chest sessions to provide your muscles time to heal and grow.
    Not reducing the dumbbells enough or locking out on the top reduces
    muscle engagement. Push-Ups are not a ‘dumbbell’ exercise (although technically you can do push-ups along
    with your arms on a set of dumbbells). Seize a set of dumbbells and set an adjustable bench
    up to ninety levels. Stay comparatively gentle, hold the
    movement very controlled and focus on the stretch.
    Not solely are we pairing exercises in a supersetting format but at the end of the workout, we are
    going for complete muscle failure.
    It allows for unrestricted motion, full muscle stretch, and contraction and comes with the added advantages
    of portability, comfort, and a plethora of variations.
    Unlike machines, dumbbells are extra pure and accessible, making
    them a perfect match for all health ranges. Sure, incorporating both the chest press machine and dumbbells into
    your training can present a complete approach to chest growth.
    The chest press machine can be utilized for isolation and stability, while dumbbells enable for higher range of motion and muscle activation.
    A good program will goal your weak points, and in at present's case, it's going to provide the suitable help workouts that will assist strengthen the underside portion of your bench press.

    If a program calls for 16 weeks of progression, you should accept that you may
    not see a considerable improve in power as fast as you need.
    After you finish your pressing portion of the exercise,
    it is essential to hit your weak factors with help workout routines.
    Assistance exercises are supposed to assist construct power
    for a compound exercise. For lifters aiming to maximise strength and
    overall urgent energy, the barbell press is the superior selection. The fastened nature of the
    barbell supplies a secure movement pattern, allowing lifters to progressively add
    weight more simply.
    In every day life, the energy gained from dumbbell chest presses can make duties like pushing heavy doors, moving furnishings, or even performing CPR simpler and extra environment friendly.
    This useful carryover makes the dumbbell chest press not simply an aesthetic exercise,
    but a sensible one for total bodily preparedness.
    The dumbbell chest press is a compound exercise that primarily targets the pectoralis main, the big, fan-shaped muscle that covers
    a lot of the chest. This exercise is a cornerstone of chest exercises,
    providing unique benefits that make it indispensable for each
    beginners and advanced lifters. Understanding the anatomy and biomechanics of the dumbbell chest
    press is crucial for maximizing its effectiveness and avoiding potential accidents.

    If you’re planning to enter a powerlifting competitors sooner or later, you’ll be working with heavy barbells in that scenario, so you’ll need the follow in your
    own training. But barbells force you to work from
    a fixed position, which might not be perfect for guys with
    shoulder issues or other anatomical challenges.

    You'll give somewhat in phrases of weight, however you'll make that up with vary of
    movement gains—which can be great for measurement and useful objectives.
    Samuel points to the basic pushup and compares
    it to the bench press. Mandro the Giant Gold
    Stack is designed to help muscle growth and bulk.

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