{"id":1033,"date":"2026-10-21T10:40:32","date_gmt":"2026-10-21T08:40:32","guid":{"rendered":"https:\/\/mapaagentow.pl\/news\/top-news\/gus-srednia-pensja-przekracza-9-tys-z-czy-polisy-klientow-nadazaja-za-ich-zarobkami\/"},"modified":"2026-10-21T10:59:19","modified_gmt":"2026-10-21T08:59:19","slug":"gus-srednia-pensja-przekracza-9-tys-z-czy-polisy-klientow-nadazaja-za-ich-zarobkami","status":"publish","type":"post","link":"https:\/\/mapaagentow.pl\/news\/analizy-i-raporty\/gus-srednia-pensja-przekracza-9-tys-z-czy-polisy-klientow-nadazaja-za-ich-zarobkami\/","title":{"rendered":"GUS: \u015brednia pensja przekracza 9 tys. z\u0142. Czy polisy klient\u00f3w nad\u0105\u017caj\u0105 za ich zarobkami?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><span><span>Przeci\u0119tne <\/span><span>miesi\u0119czne <\/span><span>wynagrodzenie <\/span><span>brutto <\/span><span>w <\/span><span>sektorze <\/span><span>przedsi\u0119biorstw <\/span><span>wynios\u0142o <\/span><span>we <\/span><span>wrze\u015bniu <\/span><span>2026 <\/span><span>roku <\/span><span>9 <\/span><span>266,48 <\/span><span>z\u0142 <\/span><span>\u2013 <\/span><span>wynika <\/span><span>z <\/span><span>najnowszych <\/span><span>danych <\/span><span>G\u0142\u00f3wnego <\/span><span>Urz\u0119du <\/span><span>Statystycznego. <\/span><span>To <\/span><span>o <\/span><span>5,9% <\/span><span>wi\u0119cej <\/span><span>ni\u017c <\/span><span>rok <\/span><span>wcze\u015bniej. <\/span><span>Rosn\u0105ce <\/span><span>wynagrodzenia <\/span><span>to <\/span><span>jednak <\/span><span>nie <\/span><span>tylko <\/span><span>informacja <\/span><span>o <\/span><span>sytuacji <\/span><span>na <\/span><span>rynku <\/span><span>pracy. <\/span><span>Dla <\/span><span>bran\u017cy <\/span><span>ubezpieczeniowej <\/span><span>to <\/span><span>r\u00f3wnie\u017c <\/span><span>pow\u00f3d, <\/span><span>by <\/span><span>zada\u0107 <\/span><span>pytanie: <\/span><span>czy <\/span><span>sumy <\/span><span>ubezpieczenia <\/span><span>na <\/span><span>\u017cycie <\/span><span>i <\/span><span>od <\/span><span>niezdolno\u015bci <\/span><span>do <\/span><span>pracy <\/span><span>nadal <\/span><span>odpowiadaj\u0105 <\/span><span>rzeczywistym <\/span><span>potrzebom <\/span><span>finansowym <\/span><span>klient\u00f3w?<\/span><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>GUS <\/span><span>pokazuje <\/span><span>wzrost <\/span><span>wynagrodze\u0144. <\/span><span>Co <\/span><span>z <\/span><span>tego <\/span><span>wynika <\/span><span>dla <\/span><span>ubezpiecze\u0144?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>20 <\/span><span>pa\u017adziernika <\/span><span>2026 <\/span><span>roku <\/span><span>G\u0142\u00f3wny <\/span><span>Urz\u0105d <\/span><span>Statystyczny <\/span><span>opublikowa\u0142 <\/span><span>dane <\/span><span>dotycz\u0105ce <\/span><span>zatrudnienia <\/span><span>i <\/span><span>wynagrodze\u0144 <\/span><span>w <\/span><span>sektorze <\/span><span>przedsi\u0119biorstw. <\/span><span>Przeci\u0119tne <\/span><span>miesi\u0119czne <\/span><span>wynagrodzenie <\/span><span>brutto <\/span><span>wynios\u0142o <\/span><span>9 <\/span><span>266,48 <\/span><span>z\u0142, <\/span><span>co <\/span><span>oznacza <\/span><span>wzrost <\/span><span>nominalny <\/span><span>o <\/span><span>5,9% <\/span><span>w <\/span><span>por\u00f3wnaniu <\/span><span>z <\/span><span>wrze\u015bniem <\/span><span>2025 <\/span><span>roku <\/span><span>i <\/span><span>o <\/span><span>0,1% <\/span><span>wzgl\u0119dem <\/span><span>sierpnia <\/span><span>2026 <\/span><span>roku.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Jednocze\u015bnie <\/span><span>przeci\u0119tne <\/span><span>zatrudnienie <\/span><span>w <\/span><span>sektorze <\/span><span>przedsi\u0119biorstw <\/span><span>wynios\u0142o <\/span><span>oko\u0142o <\/span><span>6,4 <\/span><span>mln <\/span><span>etat\u00f3w <\/span><span>i <\/span><span>by\u0142o <\/span><span>o <\/span><span>0,8% <\/span><span>ni\u017csze <\/span><span>ni\u017c <\/span><span>przed <\/span><span>rokiem.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Warto <\/span><span>przy <\/span><span>tym <\/span><span>pami\u0119ta\u0107, <\/span><span>\u017ce <\/span><span>statystyki <\/span><span>te <\/span><span>nie <\/span><span>obejmuj\u0105 <\/span><span>wszystkich <\/span><span>pracuj\u0105cych <\/span><span>Polak\u00f3w. <\/span><span>Dotycz\u0105 <\/span><span>okre\u015blonej <\/span><span>cz\u0119\u015bci <\/span><span>gospodarki, <\/span><span>przede <\/span><span>wszystkim <\/span><span>przedsi\u0119biorstw <\/span><span>zatrudniaj\u0105cych <\/span><span>co <\/span><span>najmniej <\/span><span>10 <\/span><span>os\u00f3b, <\/span><span>dzia\u0142aj\u0105cych <\/span><span>w <\/span><span>bran\u017cach <\/span><span>obj\u0119tych <\/span><span>badaniem <\/span><span>GUS. <\/span><span>Nie <\/span><span>oznacza <\/span><span>to <\/span><span>zatem, <\/span><span>\u017ce <\/span><span>przeci\u0119tny <\/span><span>Polak <\/span><span>otrzymuje <\/span><span>co <\/span><span>miesi\u0105c <\/span><span>ponad <\/span><span>9 <\/span><span>tys. <\/span><span>z\u0142 <\/span><span>brutto.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Z <\/span><span>punktu <\/span><span>widzenia <\/span><span>rynku <\/span><span>ubezpieczeniowego <\/span><span>istotniejsza <\/span><span>od <\/span><span>samej <\/span><span>wysoko\u015bci <\/span><span>\u015bredniej <\/span><span>pensji <\/span><span>jest <\/span><span>jednak <\/span><span>zmiana, <\/span><span>kt\u00f3r\u0105 <\/span><span>pokazuj\u0105 <\/span><span>dane <\/span><span>GUS. <\/span><span>Wynagrodzenia <\/span><span>nominalnie <\/span><span>rosn\u0105, <\/span><span>a <\/span><span>wraz <\/span><span>ze <\/span><span>zmian\u0105 <\/span><span>sytuacji <\/span><span>finansowej <\/span><span>gospodarstw <\/span><span>domowych <\/span><span>mog\u0105 <\/span><span>zmienia\u0107 <\/span><span>si\u0119 <\/span><span>r\u00f3wnie\u017c <\/span><span>ich <\/span><span>potrzeby <\/span><span>ubezpieczeniowe.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Polisa <\/span><span>zawarta <\/span><span>pi\u0119\u0107 <\/span><span>czy <\/span><span>dziesi\u0119\u0107 <\/span><span>lat <\/span><span>temu <\/span><span>nie <\/span><span>musi <\/span><span>ju\u017c <\/span><span>odpowiada\u0107 <\/span><span>obecnej <\/span><span>sytuacji <\/span><span>klienta. <\/span><span>W <\/span><span>tym <\/span><span>czasie <\/span><span>mog\u0142y <\/span><span>wzrosn\u0105\u0107 <\/span><span>jego <\/span><span>dochody, <\/span><span>pojawi\u0107 <\/span><span>si\u0119 <\/span><span>nowe <\/span><span>zobowi\u0105zania, <\/span><span>zmieni\u0107 <\/span><span>liczba <\/span><span>os\u00f3b <\/span><span>pozostaj\u0105cych <\/span><span>na <\/span><span>utrzymaniu <\/span><span>albo <\/span><span>wysoko\u015b\u0107 <\/span><span>comiesi\u0119cznych <\/span><span>wydatk\u00f3w.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>I <\/span><span>w\u0142a\u015bnie <\/span><span>tutaj <\/span><span>pojawia <\/span><span>si\u0119 <\/span><span>przestrze\u0144 <\/span><span>do <\/span><span>pracy <\/span><span>dla <\/span><span>agenta <\/span><span>ubezpieczeniowego.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Klient <\/span><span>zarabia <\/span><span>wi\u0119cej. <\/span><span>Czy <\/span><span>jego <\/span><span>suma <\/span><span>ubezpieczenia <\/span><span>r\u00f3wnie\u017c <\/span><span>powinna <\/span><span>wzrosn\u0105\u0107?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Wyobra\u017amy <\/span><span>sobie <\/span><span>klienta, <\/span><span>kt\u00f3ry <\/span><span>kilka <\/span><span>lat <\/span><span>temu <\/span><span>zawar\u0142 <\/span><span>ubezpieczenie <\/span><span>na <\/span><span>\u017cycie <\/span><span>z <\/span><span>sum\u0105 <\/span><span>ubezpieczenia <\/span><span>wynosz\u0105c\u0105 <\/span><span>100 <\/span><span>tys. <\/span><span>z\u0142. <\/span><span>W <\/span><span>momencie <\/span><span>zawierania <\/span><span>umowy <\/span><span>jego <\/span><span>miesi\u0119czne <\/span><span>wynagrodzenie <\/span><span>netto <\/span><span>wynosi\u0142o <\/span><span>4 <\/span><span>tys. <\/span><span>z\u0142.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Dzi\u015b <\/span><span>zarabia <\/span><span>7 <\/span><span>tys. <\/span><span>z\u0142 <\/span><span>netto, <\/span><span>ma <\/span><span>kredyt <\/span><span>hipoteczny, <\/span><span>dwoje <\/span><span>dzieci <\/span><span>i <\/span><span>wi\u0119ksze <\/span><span>zobowi\u0105zania <\/span><span>finansowe. <\/span><span>Tymczasem <\/span><span>suma <\/span><span>ubezpieczenia <\/span><span>pozostaje <\/span><span>niezmieniona.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>takim <\/span><span>przypadku <\/span><span>100 <\/span><span>tys. <\/span><span>z\u0142 <\/span><span>odpowiada <\/span><span>r\u00f3wnowarto\u015bci <\/span><span>oko\u0142o <\/span><span>14 <\/span><span>miesi\u0119cznych <\/span><span>wynagrodze\u0144 <\/span><span>netto. <\/span><span>Przy <\/span><span>wcze\u015bniejszych <\/span><span>zarobkach <\/span><span>ta <\/span><span>sama <\/span><span>kwota <\/span><span>stanowi\u0142a <\/span><span>r\u00f3wnowarto\u015b\u0107 <\/span><span>25 <\/span><span>miesi\u0119cznych <\/span><span>pensji.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>To <\/span><span>oczywi\u015bcie <\/span><span>uproszczony, <\/span><span>hipotetyczny <\/span><span>przyk\u0142ad. <\/span><span>Sama <\/span><span>relacja <\/span><span>sumy <\/span><span>ubezpieczenia <\/span><span>do <\/span><span>wynagrodzenia <\/span><span>nie <\/span><span>przes\u0105dza <\/span><span>o <\/span><span>tym, <\/span><span>czy <\/span><span>ochrona <\/span><span>jest <\/span><span>wystarczaj\u0105ca. <\/span><span>Pokazuje <\/span><span>jednak, <\/span><span>dlaczego <\/span><span>aktualizacja <\/span><span>analizy <\/span><span>potrzeb <\/span><span>klienta <\/span><span>ma <\/span><span>znaczenie.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>przypadku <\/span><span>\u015bmierci <\/span><span>ubezpieczonego <\/span><span>rodzina <\/span><span>mo\u017ce <\/span><span>potrzebowa\u0107 <\/span><span>\u015brodk\u00f3w <\/span><span>nie <\/span><span>tylko <\/span><span>na <\/span><span>bie\u017c\u0105ce <\/span><span>utrzymanie, <\/span><span>ale <\/span><span>r\u00f3wnie\u017c <\/span><span>na <\/span><span>sp\u0142at\u0119 <\/span><span>zobowi\u0105za\u0144, <\/span><span>edukacj\u0119 <\/span><span>dzieci <\/span><span>czy <\/span><span>zachowanie <\/span><span>stabilno\u015bci <\/span><span>finansowej <\/span><span>przez <\/span><span>kilka <\/span><span>kolejnych <\/span><span>lat.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Je\u017celi <\/span><span>dochody <\/span><span>i <\/span><span>wydatki <\/span><span>gospodarstwa <\/span><span>domowego <\/span><span>wzros\u0142y, <\/span><span>niezmieniona <\/span><span>suma <\/span><span>ubezpieczenia <\/span><span>mo\u017ce <\/span><span>zabezpiecza\u0107 <\/span><span>mniejsz\u0105 <\/span><span>cz\u0119\u015b\u0107 <\/span><span>jego <\/span><span>aktualnych <\/span><span>potrzeb.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nie <\/span><span>oznacza <\/span><span>to <\/span><span>jednak, <\/span><span>\u017ce <\/span><span>suma <\/span><span>ubezpieczenia <\/span><span>powinna <\/span><span>automatycznie <\/span><span>rosn\u0105\u0107 <\/span><span>w <\/span><span>takim <\/span><span>samym <\/span><span>tempie <\/span><span>jak <\/span><span>wynagrodzenie. <\/span><span>Ka\u017cda <\/span><span>zmiana <\/span><span>powinna <\/span><span>wynika\u0107 <\/span><span>z <\/span><span>indywidualnej <\/span><span>analizy <\/span><span>sytuacji <\/span><span>klienta.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Utrata <\/span><span>dochodu <\/span><span>nie <\/span><span>zawsze <\/span><span>oznacza <\/span><span>utrat\u0119 <\/span><span>pracy<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>dyskusji <\/span><span>o <\/span><span>zabezpieczeniu <\/span><span>dochod\u00f3w <\/span><span>warto <\/span><span>zwr\u00f3ci\u0107 <\/span><span>uwag\u0119 <\/span><span>na <\/span><span>jeszcze <\/span><span>jeden <\/span><span>problem. <\/span><span>Klient <\/span><span>mo\u017ce <\/span><span>zachowa\u0107 <\/span><span>zatrudnienie, <\/span><span>a <\/span><span>mimo <\/span><span>to <\/span><span>przez <\/span><span>wiele <\/span><span>miesi\u0119cy <\/span><span>nie <\/span><span>by\u0107 <\/span><span>w <\/span><span>stanie <\/span><span>wykonywa\u0107 <\/span><span>pracy <\/span><span>i <\/span><span>uzyskiwa\u0107 <\/span><span>dotychczasowego <\/span><span>wynagrodzenia.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Przyczyn\u0105 <\/span><span>mo\u017ce <\/span><span>by\u0107 <\/span><span>powa\u017cna <\/span><span>choroba, <\/span><span>wypadek <\/span><span>lub <\/span><span>d\u0142ugotrwa\u0142a <\/span><span>niezdolno\u015b\u0107 <\/span><span>do <\/span><span>pracy.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Dla <\/span><span>gospodarstwa <\/span><span>domowego <\/span><span>konsekwencje <\/span><span>finansowe <\/span><span>takiego <\/span><span>zdarzenia <\/span><span>mog\u0105 <\/span><span>by\u0107 <\/span><span>powa\u017cne. <\/span><span>Comiesi\u0119czne <\/span><span>zobowi\u0105zania <\/span><span>nie <\/span><span>znikaj\u0105 <\/span><span>tylko <\/span><span>dlatego, <\/span><span>\u017ce <\/span><span>jeden <\/span><span>z <\/span><span>domownik\u00f3w <\/span><span>przestaje <\/span><span>pracowa\u0107. <\/span><span>Raty <\/span><span>kredytu, <\/span><span>koszty <\/span><span>utrzymania <\/span><span>mieszkania, <\/span><span>edukacja <\/span><span>dzieci <\/span><span>i <\/span><span>inne <\/span><span>wydatki <\/span><span>nadal <\/span><span>wymagaj\u0105 <\/span><span>finansowania.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Co <\/span><span>wi\u0119cej, <\/span><span>choroba <\/span><span>lub <\/span><span>wypadek <\/span><span>mog\u0105 <\/span><span>oznacza\u0107 <\/span><span>dodatkowe <\/span><span>wydatki <\/span><span>zwi\u0105zane <\/span><span>z <\/span><span>leczeniem, <\/span><span>rehabilitacj\u0105 <\/span><span>czy <\/span><span>opiek\u0105.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>tym <\/span><span>miejscu <\/span><span>pojawia <\/span><span>si\u0119 <\/span><span>istotna <\/span><span>rola <\/span><span>odpowiednio <\/span><span>dobranej <\/span><span>ochrony <\/span><span>ubezpieczeniowej.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Trzeba <\/span><span>jednak <\/span><span>rozr\u00f3\u017cni\u0107 <\/span><span>kilka <\/span><span>rodzaj\u00f3w <\/span><span>zabezpieczenia, <\/span><span>kt\u00f3re <\/span><span>w <\/span><span>praktyce <\/span><span>bywaj\u0105 <\/span><span>ze <\/span><span>sob\u0105 <\/span><span>uto\u017csamiane.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Ubezpieczenie <\/span><span>na <\/span><span>\u017cycie <\/span><span>mo\u017ce <\/span><span>zapewni\u0107 <\/span><span>\u015bwiadczenie <\/span><span>osobom <\/span><span>uprawnionym <\/span><span>w <\/span><span>razie <\/span><span>\u015bmierci <\/span><span>ubezpieczonego. <\/span><span>Ochrona <\/span><span>na <\/span><span>wypadek <\/span><span>powa\u017cnego <\/span><span>zachorowania <\/span><span>mo\u017ce <\/span><span>przewidywa\u0107 <\/span><span>wyp\u0142at\u0119 <\/span><span>\u015bwiadczenia <\/span><span>po <\/span><span>rozpoznaniu <\/span><span>choroby <\/span><span>spe\u0142niaj\u0105cej <\/span><span>definicj\u0119 <\/span><span>zawart\u0105 <\/span><span>w <\/span><span>umowie. <\/span><span>Z <\/span><span>kolei <\/span><span>ubezpieczenie <\/span><span>od <\/span><span>niezdolno\u015bci <\/span><span>do <\/span><span>pracy <\/span><span>mo\u017ce <\/span><span>obejmowa\u0107 <\/span><span>okre\u015blone <\/span><span>przypadki <\/span><span>utraty <\/span><span>zdolno\u015bci <\/span><span>do <\/span><span>wykonywania <\/span><span>pracy, <\/span><span>przy <\/span><span>czym <\/span><span>zakres <\/span><span>odpowiedzialno\u015bci, <\/span><span>wymagany <\/span><span>stopie\u0144 <\/span><span>niezdolno\u015bci <\/span><span>i <\/span><span>spos\u00f3b <\/span><span>wyp\u0142aty <\/span><span>\u015bwiadczenia <\/span><span>zale\u017c\u0105 <\/span><span>od <\/span><span>konkretnego <\/span><span>produktu.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Jeszcze <\/span><span>innym <\/span><span>rozwi\u0105zaniem <\/span><span>jest <\/span><span>ubezpieczenie <\/span><span>od <\/span><span>utraty <\/span><span>pracy, <\/span><span>w <\/span><span>kt\u00f3rym <\/span><span>odpowiedzialno\u015b\u0107 <\/span><span>mo\u017ce <\/span><span>by\u0107 <\/span><span>uzale\u017cniona <\/span><span>m.in. <\/span><span>od <\/span><span>przyczyny <\/span><span>zako\u0144czenia <\/span><span>zatrudnienia, <\/span><span>formy <\/span><span>zatrudnienia <\/span><span>oraz <\/span><span>spe\u0142nienia <\/span><span>warunk\u00f3w <\/span><span>przewidzianych <\/span><span>w <\/span><span>OWU.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nie <\/span><span>ka\u017cda <\/span><span>polisa <\/span><span>na <\/span><span>\u017cycie <\/span><span>zabezpiecza <\/span><span>utracone <\/span><span>wynagrodzenie. <\/span><span>Nie <\/span><span>ka\u017cda <\/span><span>ochrona <\/span><span>od <\/span><span>niezdolno\u015bci <\/span><span>do <\/span><span>pracy <\/span><span>zapewnia <\/span><span>\u015bwiadczenia <\/span><span>miesi\u0119czne. <\/span><span>I <\/span><span>nie <\/span><span>ka\u017cda <\/span><span>utrata <\/span><span>\u017ar\u00f3d\u0142a <\/span><span>dochodu <\/span><span>stanowi <\/span><span>zdarzenie <\/span><span>obj\u0119te <\/span><span>ubezpieczeniem.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>To <\/span><span>rozr\u00f3\u017cnienia, <\/span><span>kt\u00f3re <\/span><span>powinny <\/span><span>wybrzmie\u0107 <\/span><span>podczas <\/span><span>rozmowy <\/span><span>agenta <\/span><span>z <\/span><span>klientem.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Ile <\/span><span>dochodu <\/span><span>naprawd\u0119 <\/span><span>trzeba <\/span><span>zabezpieczy\u0107?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W <\/span><span>rozmowie <\/span><span>z <\/span><span>klientem <\/span><span>agent <\/span><span>nie <\/span><span>powinien <\/span><span>ogranicza\u0107 <\/span><span>si\u0119 <\/span><span>do <\/span><span>pytania <\/span><span>o <\/span><span>wysoko\u015b\u0107 <\/span><span>miesi\u0119cznego <\/span><span>wynagrodzenia. <\/span><span>Znacznie <\/span><span>wa\u017cniejsze <\/span><span>jest <\/span><span>ustalenie, <\/span><span>jaka <\/span><span>cz\u0119\u015b\u0107 <\/span><span>tego <\/span><span>dochodu <\/span><span>jest <\/span><span>niezb\u0119dna <\/span><span>do <\/span><span>utrzymania <\/span><span>stabilno\u015bci <\/span><span>finansowej <\/span><span>gospodarstwa <\/span><span>domowego.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Rozwa\u017cmy <\/span><span>uproszczony <\/span><span>przyk\u0142ad <\/span><span>rodziny, <\/span><span>kt\u00f3rej <\/span><span>jeden <\/span><span>z <\/span><span>cz\u0142onk\u00f3w <\/span><span>uzyskuje <\/span><span>miesi\u0119cznie <\/span><span>7 <\/span><span>tys. <\/span><span>z\u0142 <\/span><span>netto. <\/span><span>Je\u015bli <\/span><span>wskutek <\/span><span>choroby <\/span><span>przez <\/span><span>sze\u015b\u0107 <\/span><span>miesi\u0119cy <\/span><span>nie <\/span><span>b\u0119dzie <\/span><span>m\u00f3g\u0142 <\/span><span>pracowa\u0107, <\/span><span>warto\u015b\u0107 <\/span><span>jego <\/span><span>dotychczasowych <\/span><span>zarobk\u00f3w <\/span><span>za <\/span><span>ten <\/span><span>okres <\/span><span>wyniesie <\/span><span>42 <\/span><span>tys. <\/span><span>z\u0142.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nie <\/span><span>oznacza <\/span><span>to <\/span><span>jednak <\/span><span>automatycznie <\/span><span>utraty <\/span><span>ca\u0142ej <\/span><span>tej <\/span><span>kwoty.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Pracownik <\/span><span>obj\u0119ty <\/span><span>ubezpieczeniem <\/span><span>chorobowym <\/span><span>mo\u017ce <\/span><span>otrzymywa\u0107 <\/span><span>wynagrodzenie <\/span><span>chorobowe, <\/span><span>a <\/span><span>nast\u0119pnie <\/span><span>zasi\u0142ek <\/span><span>chorobowy. <\/span><span>Co <\/span><span>do <\/span><span>zasady <\/span><span>zasi\u0142ek <\/span><span>wynosi <\/span><span>80% <\/span><span>podstawy <\/span><span>wymiaru, <\/span><span>a <\/span><span>w <\/span><span>okre\u015blonych <\/span><span>przypadkach <\/span><span>100%. <\/span><span>Standardowy <\/span><span>okres <\/span><span>zasi\u0142kowy <\/span><span>wynosi <\/span><span>maksymalnie <\/span><span>182 <\/span><span>dni, <\/span><span>z <\/span><span>przewidzianymi <\/span><span>prawem <\/span><span>wyj\u0105tkami. <\/span><span>Podstawa <\/span><span>wymiaru <\/span><span>\u015bwiadczenia <\/span><span>nie <\/span><span>jest <\/span><span>przy <\/span><span>tym <\/span><span>to\u017csama <\/span><span>z <\/span><span>ostatni\u0105 <\/span><span>pensj\u0105 <\/span><span>netto. <\/span><span><span><span><\/span><\/span><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Dla <\/span><span>agenta <\/span><span>najwa\u017cniejsze <\/span><span>jest <\/span><span>zatem <\/span><span>ustalenie <\/span><span>r\u00f3\u017cnicy <\/span><span>mi\u0119dzy <\/span><span>dotychczasowym <\/span><span>dochodem <\/span><span>klienta, <\/span><span>\u015bwiadczeniami, <\/span><span>na <\/span><span>kt\u00f3re <\/span><span>mo\u017ce <\/span><span>liczy\u0107, <\/span><span>a <\/span><span>wydatkami, <\/span><span>kt\u00f3re <\/span><span>nadal <\/span><span>b\u0119dzie <\/span><span>musia\u0142 <\/span><span>ponosi\u0107.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Inaczej <\/span><span>wygl\u0105da <\/span><span>sytuacja <\/span><span>osoby <\/span><span>zatrudnionej <\/span><span>na <\/span><span>umow\u0119 <\/span><span>o <\/span><span>prac\u0119, <\/span><span>inaczej <\/span><span>przedsi\u0119biorcy, <\/span><span>a <\/span><span>jeszcze <\/span><span>inaczej <\/span><span>osoby <\/span><span>utrzymuj\u0105cej <\/span><span>si\u0119 <\/span><span>z <\/span><span>nieregularnych <\/span><span>zlece\u0144. <\/span><span>R\u00f3\u017cnice <\/span><span>dotycz\u0105 <\/span><span>zar\u00f3wno <\/span><span>uprawnie\u0144 <\/span><span>do <\/span><span>\u015bwiadcze\u0144 <\/span><span>publicznych, <\/span><span>jak <\/span><span>i <\/span><span>sposobu <\/span><span>ustalania <\/span><span>ich <\/span><span>wysoko\u015bci.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Dlatego <\/span><span>ochrona <\/span><span>dochodu <\/span><span>nie <\/span><span>powinna <\/span><span>by\u0107 <\/span><span>sprowadzana <\/span><span>do <\/span><span>jednej <\/span><span>kwoty <\/span><span>czy <\/span><span>jednego <\/span><span>produktu.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Czy <\/span><span>rosn\u0105ce <\/span><span>wynagrodzenia <\/span><span>powinny <\/span><span>oznacza\u0107 <\/span><span>regularny <\/span><span>przegl\u0105d <\/span><span>polis?<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nowe <\/span><span>dane <\/span><span>GUS <\/span><span>mog\u0105 <\/span><span>by\u0107 <\/span><span>dobrym <\/span><span>pretekstem <\/span><span>do <\/span><span>ponownego <\/span><span>kontaktu <\/span><span>z <\/span><span>klientami, <\/span><span>kt\u00f3rzy <\/span><span>od <\/span><span>kilku <\/span><span>lat <\/span><span>nie <\/span><span>aktualizowali <\/span><span>swojej <\/span><span>ochrony <\/span><span>ubezpieczeniowej.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Nie <\/span><span>chodzi <\/span><span>jednak <\/span><span>o <\/span><span>mechaniczne <\/span><span>proponowanie <\/span><span>wy\u017cszej <\/span><span>sumy <\/span><span>ubezpieczenia <\/span><span>ka\u017cdemu, <\/span><span>kto <\/span><span>otrzyma\u0142 <\/span><span>podwy\u017ck\u0119. <\/span><span>Wzrost <\/span><span>wynagrodzenia <\/span><span>nie <\/span><span>zawsze <\/span><span>oznacza <\/span><span>wzrost <\/span><span>potrzeb <\/span><span>ochronnych. <\/span><span>Klient <\/span><span>m\u00f3g\u0142 <\/span><span>w <\/span><span>mi\u0119dzyczasie <\/span><span>sp\u0142aci\u0107 <\/span><span>kredyt, <\/span><span>zgromadzi\u0107 <\/span><span>oszcz\u0119dno\u015bci <\/span><span>lub <\/span><span>uniezale\u017cni\u0107 <\/span><span>finansowo <\/span><span>doros\u0142e <\/span><span>dzieci.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Z <\/span><span>drugiej <\/span><span>strony <\/span><span>osoba, <\/span><span>kt\u00f3rej <\/span><span>wynagrodzenie <\/span><span>pozosta\u0142o <\/span><span>bez <\/span><span>zmian, <\/span><span>r\u00f3wnie\u017c <\/span><span>mo\u017ce <\/span><span>potrzebowa\u0107 <\/span><span>wy\u017cszej <\/span><span>ochrony, <\/span><span>je\u015bli <\/span><span>zwi\u0119kszy\u0142y <\/span><span>si\u0119 <\/span><span>jej <\/span><span>zobowi\u0105zania <\/span><span>albo <\/span><span>zmieni\u0142a <\/span><span>sytuacja <\/span><span>rodzinna.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>W praktyce warto wr\u00f3ci\u0107 do kilku podstawowych kwestii: <\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span>aktualnych dochod\u00f3w<\/span><\/li>\n\n\n\n<li><span>wydatk\u00f3w gospodarstwa domowego, <\/span><\/li>\n\n\n\n<li><span>wysoko\u015bci zobowi\u0105za\u0144, <\/span><\/li>\n\n\n\n<li><span>liczby os\u00f3b zale\u017cnych finansowo od ubezpieczonego, <\/span><\/li>\n\n\n\n<li><span>zgromadzonych oszcz\u0119dno\u015bci <\/span><\/li>\n\n\n\n<li><span>istniej\u0105cych polis i \u015bwiadcze\u0144, kt\u00f3re mog\u0105 zosta\u0107 wyp\u0142acone w razie okre\u015blonego zdarzenia.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Dopiero <\/span><span>zestawienie <\/span><span>tych <\/span><span>informacji <\/span><span>pozwala <\/span><span>oceni\u0107, <\/span><span>czy <\/span><span>obecna <\/span><span>ochrona <\/span><span>jest <\/span><span>wystarczaj\u0105ca.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Wa\u017cna <\/span><span>jest <\/span><span>r\u00f3wnie\u017c <\/span><span>analiza <\/span><span>samych <\/span><span>um\u00f3w. <\/span><span>Suma <\/span><span>ubezpieczenia <\/span><span>na <\/span><span>wypadek <\/span><span>\u015bmierci <\/span><span>nie <\/span><span>musi <\/span><span>by\u0107 <\/span><span>taka <\/span><span>sama <\/span><span>jak <\/span><span>suma <\/span><span>przewidziana <\/span><span>dla <\/span><span>powa\u017cnego <\/span><span>zachorowania <\/span><span>lub <\/span><span>niezdolno\u015bci <\/span><span>do <\/span><span>pracy. <\/span><span>Poszczeg\u00f3lne <\/span><span>ryzyka <\/span><span>mog\u0105 <\/span><span>mie\u0107 <\/span><span>odr\u0119bne <\/span><span>limity, <\/span><span>wy\u0142\u0105czenia, <\/span><span>definicje <\/span><span>zdarze\u0144 <\/span><span>i <\/span><span>warunki <\/span><span>wyp\u0142aty.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Agent <\/span><span>powinien <\/span><span>zatem <\/span><span>weryfikowa\u0107 <\/span><span>nie <\/span><span>tylko <\/span><span>wysoko\u015b\u0107 <\/span><span>ochrony, <\/span><span>ale <\/span><span>r\u00f3wnie\u017c <\/span><span>to, <\/span><span>w <\/span><span>jakich <\/span><span>okoliczno\u015bciach <\/span><span>klient <\/span><span>rzeczywi\u015bcie <\/span><span>otrzyma <\/span><span>\u015bwiadczenie.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Nowe <\/span><span>dane <\/span><span>GUS <\/span><span>jako <\/span><span>punkt <\/span><span>wyj\u015bcia <\/span><span>do <\/span><span>rozmowy <\/span><span>z <\/span><span>klientem<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Wzrost <\/span><span>wynagrodze\u0144 <\/span><span>mo\u017cna <\/span><span>wykorzysta\u0107 <\/span><span>w <\/span><span>komunikacji <\/span><span>sprzeda\u017cowej, <\/span><span>ale <\/span><span>pod <\/span><span>warunkiem, <\/span><span>\u017ce <\/span><span>punktem <\/span><span>wyj\u015bcia <\/span><span>b\u0119dzie <\/span><span>rzeczywista <\/span><span>potrzeba <\/span><span>klienta, <\/span><span>a <\/span><span>nie <\/span><span>sama <\/span><span>statystyka.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Zamiast <\/span><span>rozpoczyna\u0107 <\/span><span>rozmow\u0119 <\/span><span>od <\/span><span>propozycji <\/span><span>zwi\u0119kszenia <\/span><span>sumy <\/span><span>ubezpieczenia, <\/span><span>agent <\/span><span>mo\u017ce <\/span><span>zapyta\u0107:<\/span><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><span><span>\u201eOd <\/span><span>czasu <\/span><span>zawarcia <\/span><span>polisy <\/span><span>prawdopodobnie <\/span><span>sporo <\/span><span>zmieni\u0142o <\/span><span>si\u0119 <\/span><span>w <\/span><span>Pana <\/span><span>sytuacji <\/span><span>finansowej. <\/span><span>Sprawd\u017amy, <\/span><span>czy <\/span><span>obecne <\/span><span>ubezpieczenie <\/span><span>nadal <\/span><span>zabezpiecza <\/span><span>to, <\/span><span>co <\/span><span>jest <\/span><span>dla <\/span><span>Pana <\/span><span>najwa\u017cniejsze\u201d.<\/span><\/span><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Takie <\/span><span>podej\u015bcie <\/span><span>pozwala <\/span><span>przej\u015b\u0107 <\/span><span>od <\/span><span>sprzeda\u017cy <\/span><span>konkretnego <\/span><span>produktu <\/span><span>do <\/span><span>rozmowy <\/span><span>o <\/span><span>finansowych <\/span><span>konsekwencjach <\/span><span>zdarze\u0144 <\/span><span>losowych.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Mo\u017ce <\/span><span>si\u0119 <\/span><span>okaza\u0107, <\/span><span>\u017ce <\/span><span>klient <\/span><span>potrzebuje <\/span><span>wy\u017cszej <\/span><span>sumy <\/span><span>ubezpieczenia <\/span><span>na <\/span><span>\u017cycie. <\/span><span>W <\/span><span>innym <\/span><span>przypadku <\/span><span>istotniejsza <\/span><span>b\u0119dzie <\/span><span>ochrona <\/span><span>na <\/span><span>wypadek <\/span><span>powa\u017cnego <\/span><span>zachorowania, <\/span><span>trwa\u0142ej <\/span><span>niezdolno\u015bci <\/span><span>do <\/span><span>pracy <\/span><span>albo <\/span><span>rozwi\u0105zanie <\/span><span>zapewniaj\u0105ce <\/span><span>okre\u015blone <\/span><span>\u015bwiadczenia <\/span><span>w <\/span><span>okresie <\/span><span>przerwy <\/span><span>w <\/span><span>aktywno\u015bci <\/span><span>zawodowej.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Niekiedy <\/span><span>przegl\u0105d <\/span><span>wyka\u017ce <\/span><span>r\u00f3wnie\u017c, <\/span><span>\u017ce <\/span><span>dotychczasowy <\/span><span>zakres <\/span><span>jest <\/span><span>odpowiedni <\/span><span>i <\/span><span>nie <\/span><span>wymaga <\/span><span>zmian.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>To <\/span><span>tak\u017ce <\/span><span>warto\u015bciowy <\/span><span>rezultat <\/span><span>analizy <\/span><span>potrzeb.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span>Rosn\u0105ce <\/span><span>pensje <\/span><span>to <\/span><span>nie <\/span><span>tylko <\/span><span>szansa <\/span><span>sprzeda\u017cowa<\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Wrze\u015bniowe <\/span><span>dane <\/span><span>GUS <\/span><span>nie <\/span><span>pozwalaj\u0105 <\/span><span>stwierdzi\u0107, <\/span><span>\u017ce <\/span><span>Polacy <\/span><span>s\u0105 <\/span><span>coraz <\/span><span>bardziej <\/span><span>niedoubezpieczeni. <\/span><span>Do <\/span><span>takiego <\/span><span>wniosku <\/span><span>potrzebne <\/span><span>by\u0142yby <\/span><span>dodatkowe <\/span><span>informacje <\/span><span>dotycz\u0105ce <\/span><span>wysoko\u015bci <\/span><span>sum <\/span><span>ubezpieczenia, <\/span><span>liczby <\/span><span>aktywnych <\/span><span>um\u00f3w, <\/span><span>sytuacji <\/span><span>finansowej <\/span><span>gospodarstw <\/span><span>domowych <\/span><span>oraz <\/span><span>rzeczywistych <\/span><span>potrzeb <\/span><span>ochronnych.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Pokazuj\u0105 <\/span><span>jednak, <\/span><span>\u017ce <\/span><span>warunki <\/span><span>ekonomiczne, <\/span><span>w <\/span><span>kt\u00f3rych <\/span><span>funkcjonuj\u0105 <\/span><span>klienci, <\/span><span>zmieniaj\u0105 <\/span><span>si\u0119. <\/span><span>Tymczasem <\/span><span>umowy <\/span><span>ubezpieczenia <\/span><span>mog\u0105 <\/span><span>pozostawa\u0107 <\/span><span>niezmienione <\/span><span>przez <\/span><span>wiele <\/span><span>lat.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Dla <\/span><span>agent\u00f3w <\/span><span>to <\/span><span>wa\u017cne <\/span><span>przypomnienie, <\/span><span>\u017ce <\/span><span>analiza <\/span><span>potrzeb <\/span><span>nie <\/span><span>powinna <\/span><span>ko\u0144czy\u0107 <\/span><span>si\u0119 <\/span><span>w <\/span><span>dniu <\/span><span>zawarcia <\/span><span>polisy.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>Regularny <\/span><span>przegl\u0105d <\/span><span>ochrony <\/span><span>pozwala <\/span><span>sprawdzi\u0107, <\/span><span>czy <\/span><span>suma <\/span><span>ubezpieczenia <\/span><span>odpowiada <\/span><span>aktualnym <\/span><span>zobowi\u0105zaniom, <\/span><span>czy <\/span><span>zakres <\/span><span>obejmuje <\/span><span>najwa\u017cniejsze <\/span><span>ryzyka <\/span><span>oraz <\/span><span>czy <\/span><span>klient <\/span><span>rozumie <\/span><span>ograniczenia <\/span><span>posiadanej <\/span><span>umowy.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span><span>Bo <\/span><span>najwa\u017cniejsze <\/span><span>pytanie <\/span><span>nie <\/span><span>brzmi <\/span><span>dzi\u015b, <\/span><span>ile <\/span><span>przeci\u0119tnie <\/span><span>zarabiaj\u0105 <\/span><span>Polacy, <\/span><span>ale <\/span><span>jak <\/span><span>d\u0142ugo <\/span><span>gospodarstwo <\/span><span>domowe <\/span><span>b\u0119dzie <\/span><span>w <\/span><span>stanie <\/span><span>utrzyma\u0107 <\/span><span>swoj\u0105 <\/span><span>stabilno\u015b\u0107 <\/span><span>finansow\u0105, <\/span><span>je\u015bli <\/span><span>jeden <\/span><span>z <\/span><span>jego <\/span><span>dochod\u00f3w <\/span><span>nagle <\/span><span>si\u0119 <\/span><span>zmniejszy <\/span><span>lub <\/span><span>zniknie.<\/span><\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span>I czy posiadane ubezpieczenia rzeczywi\u015bcie pomog\u0105 w takiej sytuacji.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u0179r\u00f3d\u0142a<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/publikacje.new.stat.gov.pl\/portal-publikacje\/przecietne-zatrudnienie-i-wynagrodzenie-w-sektorze-przedsiebiorstw-we-wrzesniu-2026-r\" target=\"_blank\" rel=\"noopener noreferrer\">G\u0142\u00f3wny Urz\u0105d Statystyczny<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>GUS poda\u0142 nowe dane: \u015brednia pensja przekracza 9 tys. z\u0142 brutto. Czy sumy ubezpieczenia na \u017cycie i od niezdolno\u015bci do pracy nad\u0105\u017caj\u0105 za dochodami klient\u00f3w?<\/p>\n","protected":false},"author":2,"featured_media":1036,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2,12],"tags":[],"class_list":["post-1033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-analizy-i-raporty","category-top-news"],"acf":{"audio":1035,"argos_url":"https:\/\/argos.ma-news.pl\/articles\/generated\/6e161daa-20f0-44b7-a169-04153307944b"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>GUS: \u015brednia pensja przekracza 9 tys. z\u0142. 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