Where is the best place to insure life and health? Life insurance Life insurance insurance

This is a type of insurance in which you will be paid money if you die or live Law of the Russian Federation of 27.11.1992 N 4015-1 (as amended on 03.08.2018) "On the organization of insurance business in the Russian Federation" until a certain age or period. The exact conditions are written in the contract. It may also include additional risks in the form of injury, disability, serious illness, and the like. These are optional but useful options.

The amount paid will depend on premiums, insurance program and many other factors. All of them, as well as the amount of money and the conditions under which the insurer can break the contract or leave you without money, will be indicated in the contract, so read it carefully.

Life insurance is a rather profitable investment for those who want to protect themselves in case of a difficult situation, because the payments significantly exceed the premiums paid (however, there are options here, so read the contract).

You can insure your life or someone else's. But in the second case, it is imperative to obtain the written consent of the insured. Otherwise, the contract is easy to challenge in court.

There is also joint insurance:

• on the occasion of the first death - when one of the insured dies, the money will be paid to the second;
• on the occasion of the second death - when both insured persons die, the heirs will receive the money.

Who, when and why life insurance

This insurance tool can be useful to everyone if you use it wisely.

1. For a family man with a mortgage loan

A person can die, but the debt will not dissolve. As a result, the family will either be painfully saving by paying off the mortgage, or will lose the apartment, which will be sold to return the funds to the bank. Insurance will help prevent this from happening.

In addition, the policy usually helps to lower the mortgage interest rate. At the same time, you need to understand that insurance when obtaining a loan must be compulsory. Law of the Russian Federation of 07.02.1992 N 2300-1 (as amended on 04.06.2018) "On Protection of Consumer Rights".

2. Traveler

Life and health are insured when traveling abroad. This will help not to spend a fortune, for example, on the repatriation of the body. In addition, a policy is required to obtain a visa to a number of countries.

You need to pay attention to the exceptions that the insurance does not cover. And there can be many of them. For example, the consequence of injuries (including death) received while intoxicated or exacerbation of chronic diseases.

3. Young family

In this case, it is worth choosing accumulative or investment insurance. If something happens to you, the family will receive money. If everything goes well, then you yourself will receive the funds and spend them, for example, on the education of a child.

Anyone can insure their lives. But this is especially required for those whose work or other activity is associated with danger to life. These are employees of state services (Ministry of Emergency Situations, Ministry of Internal Affairs and others), citizens working in harmful and dangerous working conditions, workers of the Far North, and so on.

Konstantin Bobrov, director of the legal service "United Center for Defense"

What are the insurance programs

1. Risk insurance

If you die, the money will be given to the person who is listed in the contract as the recipient of the payments.

2. Endowment insurance

Combines the functions of insurance and savings, for which you periodically report money. If you die or something else happens, specified in the contract, you or your relatives will be given the sum insured. If you live up to the date specified in the policy, you will take the accumulated money.

Elena Potapova, Ph.D. in Economics, consultant on financial literacy of the project of the Ministry of Finance of the Russian Federation

3. Investment insurance

The insurer makes your money work and earns income, which it shares with you. The idea of ​​passive earnings is tempting, but there are risks: contributions and investment income are not insured. The company will go bankrupt, and you will lose money, and investments may not bring the desired or declared profit by the insurer.

Cancellation of the investment insurance contract ahead of schedule threatens with the loss of not only earned interest, but also an impressive amount of own funds. The same consequences will be in case of inability to pay regular contributions.

Sergey Leonidov, General Director of the financial aggregator "Sravn.ru"

According to Leonidov, among the advantages of investment insurance is protection from legal claims. Investment insurance money cannot be judged in case of divorce or withdrawn in favor of the plaintiff, while funds from a deposit or account can be.

The paid insured amount will not be taxed, and with a contract for a period of 5 years, you can receive personal income tax from regular contributions (13% per year from the amount up to 120,000 rubles). By the way, the same advantages apply to endowment insurance.

If you die, then the money under the insurance contract will go to the person who is indicated in the papers as the recipient of the payments, or to the heirs, if you did not specify the recipient.

4. Voluntary pension insurance

This point has something in common with endowment insurance, but you need to live up to retirement age.

How else life insurance contracts differ

1. Time of payment for insurance

You can give money once when concluding a policy or deposit funds at an agreed frequency - once a year, a quarter, and so on.

2. The duration of the contract

It can be for life or for a certain period. For example, with a mortgage, a person most often insures life for a year, since it is unprofitable to conclude a contract for the entire term: if the loan can be repaid earlier, some of the money on insurance will be wasted and you will have to run to get it back.

3. Form of insurance coverage

When an insured event occurs, you receive either a fixed amount, or increased due to price increases and, or decreased (for example, if the insurance is related to a loan: the less debt, the less payment).

4. Type of insurance payments

You can be paid the amount of insurance at once or in parts during the agreed period.

How to choose insurance

It all depends on your goals. According to Elena Potapova, Ph.D. in Economics, financial literacy consultant for the project of the Ministry of Finance of the Russian Federation, life insurance products are very flexible: each program can be supplemented or changed taking into account your needs and goals.

To make the right choice, explore as many options as possible. To do this, take a look at companies' websites or use offer aggregators like "Compare.ru".

How to choose an insurer

It is worth taking the time to do this in order to avoid difficulties in obtaining payments in case of an insured event.

Also, look for court decisions against the insurer. To do this, you need to go to the website of the court (of general jurisdiction and arbitration) at the location of the insurance company, open the "Search for court cases" section and enter the official name of the insurer in the search line (for example, LLC "Insurance company").

This will open a to-do list. The texts of the court decisions will make it possible to find out whether the insurer respects the rights of persons who insured their lives.

Where to draw up a contract

According to Konstantin Bobrov, director of the legal service of the United Center for Protection, in order to draw up a contract, you just need to apply to the insurance company with your passport and write a statement. This can be done online, but not in all companies and not for every program. For example, it is quite easy to get travel insurance over the Internet. And to conclude a contract under the endowment insurance program, you already have to visit the office.

To find out if it is possible to get a policy online, go to the website of the insurance company.

How to get life insurance correctly

1. Don't lie

Konstantin Bobrov, director of the legal service "United Center for Protection", advises to indicate only reliable data when filling out an application for insurance. Otherwise, the company will be able to refuse payments, citing fraud on your part.

2. Read the contract carefully

Consumers are often faced with the fact that insurers refuse payments. Usually the companies answer that the situation does not fall under the insured event.

Gennady Loktev, leading lawyer of the European Legal Service.

To prevent this from happening, you need to carefully read the terms of the contract. In one company, the insured event will be an illness, in another, an illness caused by an accident. This is an essential detail, since the second insurance company will have to provide a document confirming that the accident is to blame for everything.

And be sure to read what is typed.

If in doubt, ask an experienced friend or lawyer to read the papers.

3. Ask

If any clauses in the contract are not clear, ask the employee of the insurance organization to explain them.

4. Check if all data is in place

According to the leading lawyer of the European Legal Service Gennady Loktev, the contract must specify:

• information about the insured person;
• information about the nature of the insured event (for example, harm to life or health, death, survival to a certain age);
• the amount of the insured amount;
• the term of the life insurance contract.

If at least one of these points is not disclosed, the contract is not considered concluded and payments on it cannot be expected.

5. Check the paper

Remember that the insurer is obliged to provide the citizen with every document he signs. All papers must be signed by an employee of the insurance company.

What are the features of life insurance in case of death? What determines the cost of life and health insurance? Where is the cheapest place to insure life?

Hello dear readers of the HeatherBober magazine! An insurance expert, Denis Kuderin, is in touch.

This publication will interest anyone who has ever thought about life, health and disability insurance.

The contract with the insurance company not only protects the financial interests of the insured, but also allows you to increase your personal funds - if you use savings programs.

And now - about everything in order.

1. Is it worth insuring your life?

Regardless of financial and social status, gender, age and lifestyle, each of us risks life and health on a daily basis. Danger lies in wait for us on the roads, in workshops, in offices and even in our own apartment.

Insurance, of course, will not protect against multiple risks, but it will protect our finances. Unpleasant and difficult situations in life often take us by surprise. Insurance allows you to avoid unexpected expenses: it is a kind of life jacket that will keep us afloat in the event of an everyday shipwreck.

- protection of the insured's property interests related to his health, life and death. This type of insurance is designed for long periods and, in addition to protection, can perform an accumulative function.

In Russia and the CIS countries, the institution of life insurance has not yet received the same development as in European countries or the United States. There it is a common and widespread practice, here only 4-5% of the population are insured.

However, in recent years in the Russian Federation there has been an increase in the number of insured, which is associated with an increase in the level of financial and social literacy of citizens.

In Russia, as in other civilized countries, the state obliges all employers to insure employees of the enterprise in case of loss of working capacity, disability or death.

True, the size of payments for compulsory insurance does not always cover the material costs of policyholders and beneficiaries in the event of an insurance situation. So, in addition to compulsory insurance, an employee has the right to take out a voluntary insurance policy.

Example

Compensation for compulsory insurance for temporary disability allows you to receive only basic medical services. The voluntary insurance policy gives the right to a more complete treatment and recovery, up to visits to sanatoriums and expensive therapeutic procedures.

The contract is valid for years. The term of the agreement is by default a cumulative period, unless other conditions are stipulated. The method and frequency of payment of insurance premiums are discussed in advance.

The money that goes to the insurer's account does not lie dead, but is in constant circulation, which allows the insured to receive income by a certain period (for example, retirement age).

In this, life insurance resembles a long-term investment: the insured invests money in his own future or the future of his heirs. A security deposit differs from a bank deposit in that it cannot be withdrawn before a specific date.

2. What determines the cost of life insurance - 5 main factors

The cost of the policy is always determined individually. In addition, each company has its own approach to pricing. However, there are standard factors that affect premiums (premiums).

Let's consider the most important parameters affecting the cost of insurance services.

Factor 1. Gender and age

Each insurer uses age tables, according to which the payout ratio is calculated depending on the number of full years of the insured. The older the client, the higher the premiums.

The gender of the insured also matters: the policy will cost more for men, since the risks to life and health are always higher for a strong half of the population.

Factor 2. Occupation of the policyholder

There is a list of professions that pose a daily risk to life.

Increased tariffs are provided for firefighters, police officers, doctors who run the risk of contracting dangerous infectious diseases, stuntmen, employees of the Ministry of Emergency Situations, test pilots, and the military.

Factor 3. Selected insurance package

Life insurance programs can include not only death from natural causes or an accident, but also other risks.

For example:

• disability;
• disability;
• bodily injury and trauma;
• surgical interventions and hospitalization.

The more insurance claims are provided, the higher the cost of the policy.

Factor 4. The health status of the policyholder

An important factor in the formation of value. In the questionnaire that each client fills out before concluding the contract, the current state of health of the policyholder is given serious attention.

It is necessary to indicate the traumas and diseases suffered in the past, current chronic diseases. The presence of bad habits is also important. Insurers are interested in all the details - down to the number of cigarettes smoked per day. Experts advise to give the most correct information regarding health and lifestyle.

If, after the conclusion of the contract, employees find out that you have hidden a serious illness that you had at the time of insurance, they may refuse to issue the insured amount.

Factor 5. Insurance terms

According to the terms of insurance, the insurance is divided into urgent, life and mixed. The first option is the cheapest. The life policy assumes one-time or regular insurance premiums during the entire period of the contract.

In the table, the dependence of the price on the determining factors is presented more clearly:

Other articles on health insurance are "" and "".

3. How to insure your life and health - 7 easy steps

Life insurance is a responsible event. A person is insured for decades, or even for life. Therefore, before proceeding with the registration of the policy, you should study in advance all the features and "pitfalls" of the process.

You need to act consistently and meaningfully, adhering to our expert guidance.

Step 1. Determine what we want to insure

First you need to decide which risks you want to insure. The choice of ready-made insurance programs is very extensive.

The insurance can include:

• industrial accidents;
• death from natural disasters;
• the onset of disability;
• death as a result of an accident (road, rail, air).

When choosing the type of insurance, focus on your profession, lifestyle and other objective circumstances.

Step 2. Choosing an insurance company

The correct choice of the insurer is a guarantee of timely and full payments.

Conscientious companies really care about the well-being of their clients and pay insurance sums in full and on time. Doubtful firms are trying to reduce costs or completely abandon their obligations under various pretexts.

A good insurer is distinguished by the following parameters:

• long experience in the insurance market;
• a large number of clients;
• solid payments for insured events for the past reporting period;
• a large number of branches;
• availability of a convenient website and the ability to issue policies online;
• high rating from independent rating agencies.

Least of all, you should rely on reviews on the network - there will always be more negative than positive, and complaints - more than thanks. Better to rely on the real experience of your friends and acquaintances.

Step 3. Choosing an insurance program

The more different programs companies offer, the higher the chance of choosing a product that is really useful to you.

Risk insurance is fundamentally different from accumulative insurance, so you should immediately decide what you are more interested in - protection in case of unforeseen situations or in long-term investments.

If it is difficult to choose on your own, use the help of an insurance broker. Pay to such a specialist once, and he will select the most profitable and necessary insurance option for you.

Step 4. We carefully study the insurance contract

The agreement should be studied long before it is signed. If you are in doubt about some points, it is better to notify the agents immediately.

Even notes and information in small print matter. Pay special attention to the sections where non-insured events are indicated. It is advisable to let a professional lawyer read the contract.

Step 5. Collecting documents

Each company has its own requirements for the documents provided. You will definitely need an identity card, an application and a completed application form. In most cases, a medical certificate is required.

Step 6. We pay for a package of insurance services

You can pay for services in cash, bank or electronic transfer. Depending on the type of insurance, payment is accepted as a lump sum or in the form of regular installments. The latter option is more likely, since life insurance is a long-term event.

Step 7. We conclude an agreement

The last step is signing the finished document. Renewing an agreement is a troublesome procedure, so do not rush to sign your autograph. Read the papers again, make sure you haven't missed anything, and only then sign.

Please note that some insurance programs do not take effect immediately, but only after the expiration of the "waiting period". This period ranges from 7 to 14 days.

Other articles on related topics are "" and "".

4. Where is the cheapest place to insure your life - an overview of the TOP-5 companies with favorable insurance conditions

To make it easier for readers to choose insurance partners, we have compiled a list of the most reliable companies offering profitable and affordable life insurance programs.

1) Tinkoff Insurance

A subsidiary of the famous Tinkoff brand. He does not have many years of experience in the insurance market, but enjoys a well-deserved popularity among citizens and corporate clients.

The company holds a confident course towards manufacturability, reliability and a high level of service. Most insurances can be obtained online for home delivery. Anyone can use the help of an Internet consultant when choosing a program.

2) B&N Bank

Health, life, property, travel insurance and much more. Pay attention to the savings programs from B&N Bank, which allow you to insure the health, life and safety of your family for a long time.

Another innovative program from this insurer is called Capital Plus. Basically, it is a kind of profitable investing of personal assets. The contract is for 5 years, the estimated annual income is 15%. In the event of the death of the policyholder, the person appointed in advance will receive the money.

An international company operating in the Russian market since 1994. The total number of clients all over the world is more than 2 million. Specialization - life and health insurance. In addition to risk insurance, a contract with this company provides many additional benefits.

In particular, the accumulative insurance "Prestige" makes it possible to receive, by a certain date, money for the education of a child in the most prestigious universities of the Russian Federation and around the world, and the "Protection of Life" policy guarantees payments for the diagnosis of critical diseases.

4) RESO-Guarantee

The company has been operating since 1991 and offers its clients more than 100 insurance products for all occasions. The Expert Agency gave this firm the highest possible grade A ++ (the highest level of reliability).

The Capital and Protection program guarantees payments in any scenario. Even if the insured event did not occur before the expiration of the contract, the client receives the insured amount in full.

The most experienced insurer in the Russian Federation is the legal successor of the GOSSTRAKH organization, founded in 1921. The company guarantees its clients speed, high level of service and is committed to full transparency in matters of financial and legal activities.

It offers several types of life insurance - "Accumulation program", "Investment", "Ritual", "Accident". A financial consultant works online on the site.

Read the publication "" on our website.

5.5 myths about life insurance

Not every citizen of the Russian Federation knows why life insurance at all and what advantages are provided by having a policy. There are many myths and misconceptions about life and health insurance coverage.

It's time to debunk the most resilient and dangerous of them.

Myth 1."Insurance companies are an unreliable investment of money"

Getting money under an agreement executed in accordance with all the rules is as real as taking your bank deposit. Self-respecting insurers care about their reputation and always fulfill the terms of the contract.

Myth 2."You need to insure life only in old age"

Fundamentally wrong statement. The older the person, the higher the rates. And for young people, companies provide the most favorable conditions.

Life and health of an individual in the event of an accident, illness, disability or death. The beneficiary can be either the Bank or another person designated by the insured.

Insured events

• Death of the insured person (borrower) as a result of an accident or illness
• Loss of capacity for work by the insured person (borrower) and the establishment of a disability group I or II as a result of an accident or illness
• Temporary disability

New services

• Remote medical consultation
• Secondary distance medical opinion

Tariff for connecting to the insurance program

Voluntary life and health insurance of the borrower - 2.4% per year

Voluntary insurance of life, health and in connection with involuntary loss of work - 3.6% per year

Voluntary life insurance and in case of diagnosis of a critical illness - 3.6%.

Voluntary life and health insurance of an individual with a choice of parameters - 2.6% per year

The program is carried out in partnership with IC Sberbank Life Insurance LLC (license of the Central Bank SZh No. 3692 dated 04.07.2016, SL No. 3692 dated 04.07.2016. Address: 121170, Moscow, Poklonnaya st., 3, building 1).

The client has the right to purchase protection from any insurance company.

There are several types of insurance provided in Russia. There are obligatory policies - OSAGO, OMS, there are optional ones. Life and health insurance is of the second type. The contract with the insurer is concluded voluntarily, at the request of the citizen.

Some features

Compulsory medical insurance policies provide access only to basic medical services. Life and health insurance coverage is more complete, tk. expressed in money. In unforeseen situations, when a citizen partially or completely loses his ability to work, the insurance policy will help to continue fulfilling financial obligations and receive expensive treatment. If the death of the policyholder occurs, the funds under the contract are assigned to his heirs.

It is customary among Russians to neglect the conclusion of such agreements. A completely healthy, non-hazardous person is rarely inclined to provide for accidents. CTC recommends using insurance. The cost of the contract is relatively low, it could be a financial salvation in the future. For example, health insurance is often used when obtaining a mortgage to protect your finances in the event of an accident.

In all developed countries of the world, the local population is actively involved in voluntary life insurance. Thus, people show concern for their loved ones who may face difficulties after the death of their breadwinners.

Dear Readers! The article talks about typical ways of solving legal issues, but each case is individual. If you want to know how solve your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and WITHOUT DAYS.

It's fast and IS FREE!

A timely drawn up insurance policy will soften any blow, which is very often presented by fate to people.

What it is

Voluntary is a service provided by public and private insurance companies to Russian citizens. This type of insurance can be issued only with the free expression of the desire of individuals to insure their lives.

The insurance company has the right to provide services in the field of voluntary life insurance of individuals only after obtaining all licenses and permits.

The insured person can be both the policyholder personally and his family member who has given written consent to participate in such an insurance project.

For this type of insurance, insurers set one important restriction: the contract cannot be concluded for a period after which the insured person turns 70 years old (except for life insurance contracts).

Many state and commercial companies that carry out insurance activities in the Russian Federation offer various insurance programs to individuals.

Policyholders are given the opportunity, at their discretion, to choose the type of insurance policy that will best match their plans for the future, as well as financial capabilities.

Various factors can directly affect the amount of the insurance premium:

• the age of the insured person (at the time of the conclusion of the contract);
• state of health (this will be evidenced by the results of a medical examination);
• living and working conditions of an individual taking part in voluntary life insurance;
• the level of financial security of the insured, on which the type of insurance policy depends;
• the presence of children and other dependents who depend on the insured person and are on his financial support, etc.

Insurance experts recommend concluding those for which the amount of regular insurance premiums is initially fixed. In this case, policyholders can avoid unnecessary costs associated with unreasonable overstatement of insurance rates.

The insurance contract starts from the moment the first installment is made by the insured, therefore, individuals are advised to make all financial calculations in a timely manner.

In case of all insured persons, payment of insurance remuneration in full will be guaranteed after the expiration of the contract.

At the time of drawing up the contract, the policyholder can indicate as the beneficiary both himself and his close relatives or acquaintances.

What are the advantages

A voluntary life insurance policy can bring the insured person not only guaranteed passive income, but also many advantages:

• when participating in credit programs offered to individuals by Russian banking and microfinance institutions, one can count on lower interest rates;
• the opportunity to receive the required amount of funds for treatment in a medical institution, upon the occurrence of an insured event;
• the ability to provide financial support to close relatives and family members in the event of the death of the insured person, etc.

Functions of voluntary life insurance

Federal Russian legislation clearly defines the functions of voluntary life insurance:

• compensation for damage to Russian citizens, or beneficiaries, in the event of an insured event;
• formation of a cash fund in insurance companies, from which all subsequent payments to customers will be made;
• prevention of insured events, due to which it will be possible to minimize material damage to insurers.

How is it going

Currently, voluntary life insurance is regulated by article 3 of the law "On the organization of insurance business in the Russian Federation."

This procedure is carried out as follows:

• a Russian citizen expresses a desire to insure his life, after which he begins to search for a company with which an insurance contract can be concluded on favorable terms;
• when drawing up the contract, it is necessary to take into account all the existing risks that the insured person may face;

This document is submitted for approval to both parties, after which signatures are put on it. When concluding an insurance contract, the insurer and the policyholder must be guided by special rules containing important provisions.

• in accordance with the terms of the contract, the policyholder must pay the insurance premium to the cashier or to the company's current account.

Confirmation of the completed transaction will be a voluntary life insurance policy issued and handed out to the insured person.

This document must be kept throughout the entire validity of the insurance, since after the occurrence of an insured event, it will need to be handed over to the policyholder in order to receive the due payments.

Choosing a voluntary insurance program, you should carefully study all existing offers in order to choose the most favorable conditions for yourself.

It is better to entrust your finances to insurers who have been providing voluntary insurance services to the local population for many years and have gratitude and positive feedback from them.

In this case, it will be possible to protect yourself from fraudsters who, after collecting money from the policyholders, cease to fulfill their obligations.

Voluntary life insurance contract

The voluntary insurance contract is concluded between the insurer and the policyholder. This document describes all the important points of this procedure and defines the duties and responsibilities of both parties.

The contract must contain the following:

• a complete list of insured events;
• all subjects of the insurance process have been identified;
• the terms of the contract have been established;
• the amount of insurance payments, the insurance rate and the amount of the redemption amount have been established;
• timing of payment of compensation to beneficiaries;
• force majeure and other conditions that may cause the parties to default on their obligations, etc.

When signing the contract, the policyholder must be notified of all negative consequences that arise if he violates the terms and conditions of voluntary insurance.

The term of the agreement is set individually in each specific case. It can be concluded for a certain period, or it can be indefinite, as is the case with life insurance.

Companies rating

This table shows the most popular insurance companies that occupy the leading positions in the rating, compiled on the basis of their performance:

Programs

Currently, there are various voluntary life insurance programs operating on the territory of the Russian Federation. Various conditions, tariffs and insurance payments have been established for them.

The procedure for issuing such policies is regulated by the Federal legislation of the Russian Federation, which defines the following types of voluntary life insurance:

• temporary;
• mixed;
• life-long.

Voluntary insurance is classified as follows:

1. Policies without savings.
2. Accumulated insurance.

In case of temporary insurance, individuals conclude an appropriate contract with an insurance company, the duration of which is strictly limited.

The death of the insured person will be taken into account as an insured event in this program, after the occurrence of which, the agreed amount of money will be paid to the beneficiary.

If at the time of the expiration of the insurance policy, the insurer's client is still alive, he will lose all his investments.

Russian citizens also take part in mixed life insurance on a voluntary basis. Insurance companies have established the following age limits for policyholders - 18-65 years.

For many individuals, this type of insurance is the only way to accumulate funds that can be used by the insured themselves, upon reaching retirement age, or their heirs, after the occurrence of an insured event.

Life insurance guarantees the beneficiary one hundred percent insurance payment, after the occurrence of an insured event.

The insured person has the legal right to terminate the contract with the insurer, in which case he will be reimbursed the redemption value of the insurance policy.

This type of voluntary insurance today in Russia is sold in the highest price range, therefore it is not available to all segments of the population.

To conclude a contract, individuals will need to undergo a medical examination and receive a specialist's opinion on the state of health. People with disabilities who have been assigned a disability group cannot participate in this type of insurance.

Price

Today, a huge number of programs are presented on the domestic insurance market, according to which it is possible to purchase life insurance for individuals.

The table shows the most popular offers of Russian insurers specializing in voluntary life insurance:

When deciding to participate in voluntary life insurance, every Russian citizen should understand that, thanks to a wide range of insurance programs, he will be able to make quite impressive savings.

With the help of such insurance products, you can prepare the financial foundation for retirement, or make an impressive contribution to the future of your children, etc.

Video: Life insurance in Russia

Your feedback

Attention!

• Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the site.
• All cases are very individual and depend on many factors. Basic information does not guarantee a solution to your specific problems.

Therefore, FREE expert consultants work for you around the clock!

Last year I decided to get a loan for a car. When I came to the bank, the manager began to brew water for me, they say, the salary is too small, and he is not sure if I can repay the loan. A friend advised me to voluntarily insure myself, thanks to which the bank could even lower the interest rate. On the same day, I found an insurance company and bought such a policy. I went to apply for a loan to another bank. There I immediately said that I have insurance. My application was approved without any problems, and even the interest rate was lowered by 1%, since, having an insurance policy in my hands, I automatically become a reliable client.

I recently returned from abroad, lived there and worked for several years. Their entire civilian population is actively involved in insurance, and they acquire policies for any reason. Upon arrival, I decided to buy myself insurance and turned to a company that was highly praised on the Internet. I was very pleased with both the service and the amount of insurance payments and tariffs. I'll take my wife to insure next month, just in case.

A few months ago I took out a policy under the voluntary life insurance program. I made this decision not by accident. Not so long ago, a real tragedy broke out in front of my eyes. Trouble has come to the house of our neighbors, their head of the family is terminally ill. During the treatment of a neighbor, they spent all the money that they had been saving for many years in a savings bank, so when “everything happened,” his wife faced serious problems. The tenants of the house raised some money, but in order to pay for the funeral services, she had to take out a loan, and the bank took advantage of the situation and set her fairly high interest rates. I decided not to expose my loved ones to such difficulties, and took out insurance, thanks to which they will cope with all financial difficulties if something happens to me.