{"id":186143,"date":"2026-05-24T14:54:12","date_gmt":"2026-05-24T14:54:12","guid":{"rendered":"https:\/\/www.europesays.com\/lt\/186143\/"},"modified":"2026-05-24T14:54:12","modified_gmt":"2026-05-24T14:54:12","slug":"uz-viena-sumedziota-klienta-draudimo-agentui-770-euru-respublika-lt","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lt\/186143\/","title":{"rendered":"U\u017e vien\u0105 \u201esumed\u017eiot\u0105\u201c klient\u0105 draudimo agentui &#8211; 770 eur\u0173 &#8211; Respublika.lt"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.respublika.lt\/lt\/naujienos\/lietuva\/kitos-lietuvos-zinios\/uz-viena-sumedziota-klienta-draudimo-agentui---770-euru\/images\/ico_camera_white.gif\" class=\"camera\" width=\"22\" height=\"15\" alt=\"nuotr.\" style=\"position:relative; top:-2px; right:2px;\"\/> 1 nuotr.<\/p>\n<p>Asociatyvi magnific.com nuotr.<\/p>\n<p style=\"text-align: justify;\" class=\"desktop_banner\">\u00a0<\/p>\n<p>Pasak Seimo Biud\u017eeto ir finans\u0173 komiteto pirmininko Algirdo Syso, \u0161i\u0105 problem\u0105 i\u0161k\u0117l\u0117 Lietuvos bankas.<\/p>\n<p>\u201eInvesticinio gyvyb\u0117s draudimo sutar\u010di\u0173 Lietuvoje sudaryta 432 t\u016bkst. Palyginti &#8211; III pensij\u0173 pakopos yra tik 196 t\u016bkst. Tik 17 proc., sudariusi\u0173 investicinio gyvyb\u0117s draudimo sutart\u012f, supranta, k\u0105 nusipirko, 39 proc. atvej\u0173 \u017emogui pasi\u016blytas investicinio gyvyb\u0117s draudimo produktas neatitiko jo poreiki\u0173. Agentas u\u017e vien\u0105 sudaryt\u0105 investicinio gyvyb\u0117s draudimo sutart\u012f gauna iki 770 eur\u0173. Noriu priminti: kai buvo \u017evejojamos \u017euvel\u0117s \u012f II pensij\u0173 pakop\u0105, mok\u0117jo 50 eur\u0173. Taigi gyvenimo kokyb\u0117 kyla ir kaina brangsta. \u0160is komisinis atlygis beveik keturis kartus vir\u0161ija Europos S\u0105jungos vidurk\u012f.<\/p>\n<p>Draudikai, kuri\u0173 investicinis gyvyb\u0117s draudimas brangiausias, sudaro daugiau nauj\u0173 investicinio gyvyb\u0117s draudimo sutar\u010di\u0173 nei tie, kuri\u0173 investicinio gyvyb\u0117s draudimo administravimo mokes\u010diai ma\u017eesni. Taigi produktas perkamas brangiau, o nauda gaunama \u017eymiai ma\u017eesn\u0117. I\u0161\u0117mus II pensij\u0173 pakopos pinigus, stebimas investicinio gyvyb\u0117s draudimo sutar\u010di\u0173 sudarymo \u0161uolis: ma\u017edaug po 30-40 t\u016bkst. kas m\u0117nes\u012f. Atsi\u017evelgiant \u012f tai, yra teikiamas Draudimo \u012fstatymo pakeitimo projektas ir si\u016bloma \u0161\u012f \u012fstatym\u0105 tikslinti dviem aspektais.<\/p>\n<p>Pirmas aspektas. Si\u016blomu pakeitimu norima nustatyti, kad investicinio gyvyb\u0117s draudimo platintojui neb\u016bt\u0173 mokamas atlygis, kuris tiesiogiai priklauso nuo to, kiek sutar\u010di\u0173 jis sudar\u0117, pakeit\u0117 ar prat\u0119s\u0117 arba kiek klient\u0173 pritrauk\u0117 ir i\u0161laik\u0117. Tokiu reguliavimu siekiama, kad platintojas b\u016bt\u0173 suinteresuotas ne parduoti kuo daugiau sutar\u010di\u0173, o pasi\u016blyti \u017emogui tikrai jo poreikius atitinkant\u012f produkt\u0105.<\/p>\n<p>Antras pasi\u016blymas. Si\u016bloma \u012ftvirtinti reikalavim\u0105, kad visais atvejais, visais, pabr\u0117\u017eiu, kai yra parduodamas investicinis gyvyb\u0117s draudimas, b\u016bt\u0173 vertinamas produkto tinkamumas klientui suteikiant rekomendacij\u0105.<\/p>\n<p>Svarbu pa\u017eym\u0117ti, kad teikiamu projektu n\u0117ra si\u016bloma visi\u0161kai u\u017edrausti vis\u0173 paskat\u0173 ar atlygio form\u0173, o tik riboti tok\u012f atlygio model\u012f, kai atlygis tiesiogiai priklauso nuo sudaryt\u0173 pakeitim\u0173, pakeist\u0173 ir prat\u0119st\u0173 sutar\u010di\u0173 arba pritraukt\u0173, i\u0161laikyt\u0173 klient\u0173 skai\u010diaus. Toks atlygio modelis gali skatinti pardavim\u0173 apimt\u012f, o ne produkto tinkamum\u0105 konkre\u010diam vartotojui, tod\u0117l jo ribojimas yra proporcinga ir ES vartotoj\u0173 apsaugos krypt\u012f atitinkanti priemon\u0117. Siekiama spr\u0119sti vartotoj\u0173 apsaugos problem\u0105, b\u016btent pabr\u0117\u017eiu &#8211; vartotoj\u0173 apsaugos problem\u0105, u\u017etikrinti, kad draudimo principu pagr\u012fsti investiciniai produktai b\u016bt\u0173 platinami atsakingai ir atitikt\u0173 vartotoj\u0173 poreikius&#8221;, &#8211; per plenarin\u012f pos\u0117d\u012f projekt\u0105 pristat\u0117 A.Sysas.<\/p>\n<p>U\u017e projekt\u0105 po pateikimo balsavo 44, prie\u0161 &#8211; 5, susilaik\u0117 28 Seimo nariai.<\/p>\n","protected":false},"excerpt":{"rendered":"1 nuotr. Asociatyvi magnific.com nuotr. \u00a0 Pasak Seimo Biud\u017eeto ir finans\u0173 komiteto pirmininko Algirdo Syso, \u0161i\u0105 problem\u0105 i\u0161k\u0117l\u0117&hellip;\n","protected":false},"author":2,"featured_media":186144,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[13],"tags":[26510,25,30,31,2165,34,35,24,133,4570,32,33,874,37,39,36,38,40,23,22,28,29,4709,26,27],"class_list":["post-186143","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lietuva","tag-agentai","tag-antrastes","tag-breaking-news","tag-breakingnews","tag-draudimo","tag-featured-news","tag-featurednews","tag-headlines","tag-istatymas","tag-klientai","tag-latest-news","tag-latestnews","tag-lb","tag-lietuva","tag-lietuviu","tag-lithuania","tag-lithuanian","tag-lt","tag-naujienos","tag-news","tag-populiariausios-naujienos","tag-populiariausiosnaujienos","tag-sysas","tag-top-stories","tag-topstories"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lt\/116630130851271783","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/186143","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/comments?post=186143"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/posts\/186143\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media\/186144"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/media?parent=186143"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/categories?post=186143"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lt\/wp-json\/wp\/v2\/tags?post=186143"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}