Formalnoprawny i instytucjonalny wymiar systemu ochrony klientów w zakresie ubezpieczeń na życie; gdy ryzyko lokaty (inwestycyjne) ponosi ubezpieczający
The formal; legal and institutional aspect of customer protection system in life insurance where the investment risk is borne by the policyholders

Summary/Abstract: The aim of the paper is to analyze selected issues concerning the formal, legal and institutional aspect of the life insurance system of clients when the investment risk is borne by the policyholders. The research problem is the critical opinion and conclusion about the practical effectiveness of the customer protection system in Poland. The authors of the paper evaluated the formal, legal and institutional aspects of customer protection system in our country as correct and not objectionable.They emphasized at the same time that, in the sphere of operation, the State authorities have been able to undertake more effective actions in the past to better protect the consumers of financial services. Attention has also been paid to the need to take further steps aimed at improving the position of customers in the future, both for the purposes of law and for the procedures and activities of the State institutions.

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