The subject of this thesis is risks in life and non-life insurance. Insurance is a legal relationship that is based on a contract between the contractor and the insured with a certain premium. The contractor undertakes to pay compensation to the insured for the resulting damage. Risk can be defined as the threat of an unforeseen event that is caused by objective or subjective circumstances, and as a result damage may occur. In this thesis, we touched on life and non-life insurance in general. With life insurance, we have three types of insurance, insurance for death or survival, risk insurance and insurance for survival. The older a person is or if the possibility of death is higher when taking out insurance, the risk for the insurer is higher, and the insurance premium will also be higher. While we have a large number of types of insurance for non-life insurance, these include the insurances we are most familiar with, such as health insurance, accident insurance, road vehicle insurance, which are the most frequently contracted. A survey on attitudes toward insurance and savings was also conducted. The survey involved 61 participants, selected using the convenience sampling method. The research showed that 47.6% of respondents believe that the best form of savings and protection is investing in real estate, while only 9.5% consider insurance to be the best form of savings. 78.7% of respondents think that insurance companies carry a high or medium level of risk for dishonest practices. Despite this, for 33.3% of respondents, the main motivation for taking out life insurance is family protection. The survey results show that 86.9% of people are inclined to switch insurance companies if they find a better offer. The survey clearly reflects people's distrust of insurance and insurance companies, as well as their fear of dishonest practices. Respondents are seeking security and stability.