Every day more and more people are beginning to value mobility and accessibility. banking services in the Internet. This trend has not spared the insurance sector. So, the largest Russian bank opened access to the personal account of life insurance.

SBERBANK INSURANCE SYSTEM: DESCRIPTION OF THE OPPORTUNITIES OF A PERSONAL OFFICE

The personal account service from Sberbank offers the clients of the largest banking institution in the country many advantages and opportunities available for use both at home and in case of staying far outside the country. And among all the many features available, there is also insurance. Today we pay attention exclusively to him. Services are provided for both individuals and legal entities.

Sberbank insurance. Insurance products for individuals

One of the most profitable monetary investments the use of the insurance service from Sberbank is considered. This financial instrument allows you to provide yourself and your property with protection from the bank, which in case of unforeseen situations will issue a pre-agreed amount of compensation to the victim. Both investment life insurance and the traditional option with a fixed amount of disbursements are available.

The Sberbank insurance system provides protection for almost any occasion in life. Anyone can use the service, it is enough to conclude an agreement and gain access to a separate account on a specially designated site.

All data on the conditions for providing insurance to individuals and their property are located on the official page of the system. The site visitor can independently familiarize himself with the list of services and the rules for their use using the detailed instructions, as well as thanks to the round-the-clock support of online consultants. Potential clients of the Sberbank insurance system have access to a simple registration, after which they will have access to their personal account.

Features and benefits of the insurance system

To use the services provided by the insurance company to its clients, a minimum investment of finance from the user of the system will be required. Small monthly fees won't hurt family budget, but thanks to them, any unforeseen situation in life will be resolved much easier. Using the Sberbank insurance system, individual after the expiration of the contract, he will receive 100% compensation for all funds spent on the payment of regular contributions.

During registration, the client will be offered one of the existing programs, consisting of the following parameters:

Regardless of whether an insured event occurs or not, the client of the service will receive compensation with a minimum amount equal to 100% of the amount invested. Thanks to the round-the-clock work of the personal account, the user will be able to issue a policy at any time, as well as view the current information on personal account... In addition to the main functions of Sberbank Insurance, the site offers Additional services such as online consultation with a specialist and the provision of information on current offers via e-mail.

Personal Area

By choosing the appropriate conditions provided in the services of Sberbank, the client of the company will receive a reliable partner who will help reduce the negative consequences in the event of unforeseen circumstances that threaten physical or financial condition person.

Sberbank Insurance System

Perhaps, if you have already been interested in the issues of insurance services from this banking institution, you know that Sberbank of Russia has a subsidiary company, the main field of activity of which is sharpened exclusively for life insurance:

• Investment;
• Cumulative;
• Risky.

Thanks to cooperation with a subsidiary company, any client of Sberbank can use insurance services, provide himself with confidence in the future thanks to solid protection from a reliable, trusted, eminent partner.

The main risk and fear for the clients of most insurance companies is the possibility of a situation in which, in a situation of occurrence insured event, the company simply "washes its hands" and refuses to make any insurance payments. And in this situation, Sberbank Insurance justifies itself as the best partner for its clients by 100%. After all, the reliability and "transparency" of Sberbank is not only about how financial partner, but also as a partner in the insurance field, says statistics, says status the largest bank of Eastern Europe... And that means a lot.

Insurance "Smartpolis" from Sberbank of Russia

Separately, it is worth considering Smartpolis - an offer for investment life insurance. The proposal implies an investment in a special fund of the institution, which is ultimately allocated to the following funds:

• Warranty.
• Risky.

Due to the availability of funds in the guarantee fund, they consistently bring income to the depositor, which is also used for life insurance. In addition, the accumulated investment can be returned at any time and in any market situation.

As for the risk fund, it was created to maximize the return on investment. But, you need to understand that depending on the market situation, the funds on the risk income may change.

Such insurance works on a time frame. That is, if you want to invest in Smartpolis, you need to know that the minimum period of cooperation is 5 years.

Registration in your personal account Sberbank insurance

It should be noted that a separate personal account service is also provided for the clients of the subsidiary company Sberbank Insurance. It is quite obvious that all relevant and accurate information about the status of accounts and agreements between the client and the institution is available in it, as well as many additional functions... We will pay attention to the registration procedure in the service:

1. Visit the Sberbank Insurance website located at the link sberinsurance.ru.
2. At the top home page site, find the navigation menu
3. Click on the "Cabinet" hyperlink located in the main menu of the site.
4. On the page that opens, click on the "Registration" button.
5. Fill in 3 fields full name.
6. Enter your date of birth in the appropriate form.
7. Select the product you are using from the dropdown list in the next paragraph.
8. Indicate the series and number of your insurance contract. If you have entered into several contracts with an institution at once, you can enter any of their numbers.
9. Indicate your contact number phone (to which SMS confirmation of operations will be sent).
10. Enter the email address to which notifications will be sent.
11. Enter your invented username and strong password.
12. Click on the "Register" button.

Check your inbox for additional information and a link to confirm your registration. Follow the link and registration can be considered complete.

Login to the service is similar.

Registration and possibilities of insurance service

To gain access to your personal account, you will need to go through a simple registration procedure on the official website of the company. To do this, you will need an email address, mobile phone and a passport of a citizen of the Russian Federation.

registration

The entire registration process is maximally simplified and intuitive, thanks to which even a person who has no computer operating experience can gain access to the system.

After entering the data, an activation code will be sent to the mail

Activation code

When working with the services of Sberbank Insurance for the first time, the user will be offered the following choice:

• choice of persons who will be covered by the policy. Three options are offered - spouses, children and parents. Depending on the choice made, access to the types of insurance coverage may change;
• the policy program, which indicates unforeseen events that are the basis for the payment of compensation. In the Sberbank insurance system, you can choose both a whole group of situations and their individual elements;
• there is a choice of the amount that will be paid in case of physical damage or financial damage, as agreed by the agreement between the parties. The value of the monthly installment will depend on this parameter.

Sberbank insurance: products for legal entities

1. The "Stable Business" program from IC Sberbank Insurance LLC is a comprehensive solution designed to provide insurance coverage for your business. The program includes finishing insurance and engineering equipment used in economic activity the premises, the property located in it, civil liability for harm to third parties and insurance for you and your employees against accidents on the conditions below. Moreover, if, as a result of an insured event with insured property, your business activity is suspended, then a program of insurance of losses arising as a result of an interruption in business activity is provided for.
2. Civil liability insurance for causing harm to third parties in the implementation of economic activities.
3. Movable property insurance
4. Insurance of any equipment, furniture, tools and other equipment used in economic activities.
5. Building and land insurance
6. Capital protection
7. Construction and installation works insurance
8. Insurance of special equipment

What can be insured?

Special equipment - equipment that has a wheeled and / or tracked mover and belongs to the following types of special equipment:

• special vehicles on chassis trucks(main document - passport vehicle) that are registered with the state or are subject to registration in accordance with the procedure established by law;
• mobile (mobile) special equipment, self-propelled vehicles and mechanisms (the main document is the passport of a self-propelled vehicle), which are registered with the state or subject to registration in accordance with the procedure established by law;
• trailers, semitrailers for special vehicles, mobile (mobile) special equipment, self-propelled machines and mechanisms (the main document is a vehicle passport or a self-propelled vehicle passport) that are registered with the state or subject to registration in the manner prescribed by law;
• mobile (mobile) mechanisms (equipment), incl. trailed (the main document is the passport of the mechanism (equipment) with an indication of its serial number).
• additional equipment of special equipment that is not included in the factory package, both permanently installed (i.e. requiring installation) and not attached to it (television, radio and sound reproducing equipment, interior equipment, light, signaling devices, hydraulic hammers, dumps rotary, snow blowers, quarry buckets, drilling equipment, rippers, cargo pins, concrete mixers, grabs, scoops, road cutters, brush cutters, soil cutters, etc.), as well as accessories for special equipment and its spare parts.

Insurance cover

From named risks:

• road traffic accident
• illegal (intentional, careless) actions of third parties
• fire, ignition, explosion, including as a result of sudden damage to electrical equipment of special equipment
• subsidence of soil, failure of roads or bridges, collapse of tunnels
• sinking under the ice, flooding of special equipment, additional equipment
• natural disasters and natural hazards
• collapse, fall, overturning, damage by collapsing or falling parts of the insured property, falling on the insured property of any foreign objects, including snow, ice, trees, poles, lighting masts, etc.
• collision of the insured special equipment with each other or with other objects that occurred off-road common use
• breakage of glasses of special equipment, glasses of external lighting devices, damage to the body of special equipment as a result of hitting an object while driving on public roads, and also, if it is specifically provided for by the insurance contract, when performing work for which special equipment is intended
• animal impacts, collisions with animals, birds
• crashes of manned or unmanned aerial vehicles
• sudden accidents of plumbing, heating, sewerage, fire-fighting or other external hydraulic systems
• errors in the installation or dismantling of the insured property
• incidents during loading, unloading, transportation of the insured property
• theft of individual parts, parts, assemblies, assemblies, as well as additional equipment installed on special equipment
• theft, robbery, robbery or theft of insured special equipment (clause 3.3.2. of the Rules)

Hotline phone: 8 800 555 555 7

You can enter the insurer's personal account by following the link: https://lk.sberbank-insurance.ru/index.html

Grade: 1 Checking

I do not consider myself deceived, but simply an idiot that he, an old senile, was led to the lovely smiles of Sberbank employees and fabulous% in 5 years. Do not agree, no matter what% you are promised, as a result it will be zero. Not only that, and you can take your money only after the expiration of the insurance period. And if earlier, then with a loss of tens of thousands of rubles. The term of the deposit has expired. Due to his stupidity, he entered into an insurance contract for 5 years for a part of the amount received, contributed 320 thousand in October 2016.

Conducted a detailed analytical analysis (there will be a separate article on the Internet) of their magic formula: Individual income Survival (IDD) = ((Dynamics of the Base Asset (DBA) / Sum Insured (CC)) - 1) * (Participation rate). It is important to know that the BIT should be calculated minus the% of insurance coverage at 6.25% per annum, which is 35.4% for 5 years.And that's why* If IDD> 0, the cost of insurance coverage is additionally deducted from this amount, if IDD = 0, this deduction is absent (link to the IC document) Most likely, this% is higher and can range from 40% (partial coverage of the insured amount) to 100% (with full coverage) for five years, i.e. from 8% to 20% per annum, depending on the arrogance of the IC leadership.

According to this magic formula of deception, it turns out that no one will receive any% of income in 5 years, if BA (Basic Asset) does not grow in 5 years by more than 35.4%. The profitability of the Funds where the IC invests according to the website https://www.stoxx.com/index-details?symbol=SXGTSEE&searchTerm=SXGTSEE is about 37-38% in five years.

Thus, our income cannot be more than 1-2% for 5 years from the Sum Insured (CC) in the most optimistic case. In IC "Sberbank Life Insurance" there is a legalized deception of the population of the Russian Federation. And the worst thing is that they are deceiving the most vulnerable layers of the population, who, in their Soviet life, believe in Sberbank. People, citizens, Russians, IC "Sberbank Life Insurance" is a private company under the skirt of Sberbank, do not believe them! Although it is necessary to pray for its prosperity, since in the event of the bankruptcy of IC Sberbank Life Insurance, we will not receive money, even guaranteed under the SS agreement, but only through the court after the bankruptcy procedure after many years, in best case... Sberbank will disown her.

I don’t even dream about it, but if I’m wrong about something, I ask the specialists of Sberbank Life Insurance to bring me to my senses.

Portal administrator 04.04.2019 18:52

Thank you for your feedback! Let's wait for the response from the UK.

Sberbank life insurance 12.04.2019 12:47

Good afternoon, Sergey58!
My name is Yulia, I am an employee of the Customer Service Department.
I want to apologize for the fact that you had to face a similar situation.
I am sincerely sorry that some managers did not convey the full information and specifics of such a complex product as investment life insurance to all our Clients.
Based on the identified problems, the practice of calling Clients was introduced immediately after the registration of the product in order to clarify the terms of the product.
Investment life insurance - fairly new to Russian market a product designed for long-term (from 5 years) investments with a guarantee of protection of the invested funds (even if the value of the underlying asset falls).
Also, it has a number of additional unique advantages over traditional investment methods: deposits, mutual funds, buying real estate.
I would like to inform you that within the framework of informing the Client about the state of accrual of additional investment income, the Company on a regular basis provides the opportunity to track the dynamics of profitability under the agreement in the Client's Personal Account on the website: http://sberbank-insurance.ru/online/.
Please note that the BIT changes every day depending on the rise / fall of the underlying asset.
If the dynamics of the Underlying Asset is positive, then the income - grows, if negative - then the income decreases and / or may be equal to zero.
If you have any additional questions, I will be happy to advise you.
You can ask them:
by sending a letter to e-mail ([email protected]);
by calling the round-the-clock contact center by phone 8 800 555 55 95.
Best regards, Julia.

Provide an opportunity for relatives to receive financial assistance in the event of adverse incidents affecting the health and life of the family breadwinner.

Protection of loved ones Online

Provide you and your loved ones with a reliable insurance coverage upon the occurrence of adverse events.

Protected Borrower Online

Mortgage borrower life insurance PJSC loan Sberbank is financial protection the client's obligations to the bank in the event of the borrower's disability or death. The client can be sure that insurance payment Sberbank Life Insurance fully compensates for its mortgage loan obligations.

Travel Insurance Online

Travel Insurance policy will provide you with reliable insurance coverage in various situations that may arise during your trip.

Accident and illness insurance

Provides you and your loved ones with reliable insurance coverage in the event of unforeseen health-related circumstances.

Endowment life insurance

The life and health insurance program makes it possible to accumulate the necessary amount by a certain period and get reliable insurance coverage in case of adverse health and life events.

Investment life insurance

An investment and insurance product that combines the possibility of potentially unlimited income and insurance coverage.

Insurance services under the Insurance Programs Protection of loved ones and the Head of the Family are provided by LLC IC Sberbank Life Insurance, 115162, Moscow, st. Shabolovka, 31G, tel. +7 800 555 5595 (round the clock, calls within Russia are free). Insurance license SL No. 3692 (type of activity - voluntary personal insurance, with the exception of voluntary insurance life) issued on March 05, 2015 by the Bank of Russia (indefinitely). Official site www.sberbank-insurance.ru
Insurance services under the Insurance Programs Traveler insurance, Home protection, Card protection, Mortgage insurance is provided by Sberbank Insurance LLC, 115093, Moscow, ul. Pavlovskaya, house 7, tel. +7 800 555 5557, (working hours: Monday - Friday from 9:00 to 19:00 Moscow time), licenses of the Bank of Russia for the implementation of voluntary property insurance SI No. 4331 and for the implementation of voluntary personal insurance, with the exception of voluntary life insurance SL No. 4331, issued by the Bank of Russia on 08/05/2015 indefinitely). Official site sites www.sberbankins.ru .
The formation and purchase of insurance policies is carried out on the official website of the Insurer providing insurance services.
For more detailed information on insurance policies, a list of insurance risks, exclusions from insurance coverage, the procedure for determining the insured amount and the amount of insurance payment (including the limits of the insurance obligation), the conditions for concluding an insurance contract, as well as other insurance conditions, you can find on the websites

For certain categories of citizens suitable for the category "Sberbank Premier" and "Sberbank First", in addition to the traditional ruble and foreign currency deposits more sophisticated financial instruments specially designed for them are also available.

It is an investment and accumulative insurance life, investing in mutual funds... Below we will look at investment insurance.

Peculiarities

The bottom line is that when the term specified in the contract ends, you receive not only the amount that you contributed when concluding the contract, but also investment income, the value of which has no upper bar.

During the entire term of the contract, the life of the client is insured. If an incident, stipulated in the contract, occurs before the expiration of its validity period, the insured amount and all investment income received by the time of the insured event will be returned to the client.

Peculiarities:

• The main feature of this program is the fact that part of the client's money is invested in low-income instruments to ensure a return guarantee, and part in high-yield instruments with increased risk, in order to ensure the profitability of this product as a result;
• even without having any experience in investing and working on financial markets, the client has the opportunity to assess the entire mechanism of action, without incurring any financial risks. Will do all the work for him Insurance Company;
• in contrast to the contribution, on sum insured it cannot be seized, it is indivisible upon divorce;
• in the insurance contract, you can specify any number of beneficiaries, and it is not necessary that they must be relatives of the client;
• if the income received is less than the current refinancing rate, then the client does not need to pay income tax;
• you yourself can choose a highly profitable financial instrument, any of those offered by Sberbank Insurance;
• during the term of the contract, you can at any time do additional payment.
• both men and women, starting from the age of 18, can enter into an agreement. The age of the insured is from 1 to 80 years old at the end of the contract;
• the minimum term for concluding a contract is from 5 years.

What Smartpolis gives

Since investment insurance is designed for a long term, this means that the client's money will work outside of his access.

The client has the right to terminate the contract early, but according to its terms, the amount in full plus additional income he will receive only at the end of the term.

Upon early termination, the customer receives a redemption amount. The earlier the contract is terminated, the less redemption amount... Such products are designed for a highly profitable audience.

What does the client get from Sberbank's investment life insurance in the end:

• financial protection in case of unpleasant surprises related to life and health;
• the opportunity to feel like a participant stock market while entrusting your money to professionals;
• the ability to preserve and increase your capital, which is especially important during a crisis;
• he can be sure that in the event of his death, the beneficiaries will receive the money in a month, and not in six months, as stipulated by law;
• beneficiaries receive the insurance amount in double the amount if the death of the client was caused by an accident.

Operating principle

In conclusion, the client can choose which financial instruments will be used to generate profits:

• global bond fund. Bonds are securities large companies and corporations. In the long term, they are profitable. In terms of the risk / reward ratio, they are the safest, but they bring the minimum return;
• raw material basket;
• real estate sector... In the instrument, money is invested in world real estate;
• American stock market. The US economy is now one of the strongest in the world;
• new technologies... This tool involves investing in high-tech corporations - Google, Samsung and others. The risk is much higher than when investing in bonds, but the potential income is higher;
• RTS index... This is an indicator of the economy of our country. Many people underestimate this tool, which is completely unjustified;
• gold... In the world, the total amount of gold can be visualized as a cube 40 meters high. If we divide it by the constantly growing population of our planet, then each person will receive a piece of gold that is decreasing right before our eyes.

The cost of one gram of gold is constantly growing. Investment in precious metal is potentially profitable. Retrospective shows that the growth in value is uneven, and in the dynamics of price changes, its fall is possible.

• shares of Sberbank of Russia. Sberbank is a leading institution in the Russian banking system, but the value of its shares depends on economic situation in the world. During the period financial crises the price of securities falls;

When investing, the insurance company follows the principle "Don't keep your eggs in one basket."

Since she undertakes to fully return the entire amount at the end of the term, 80% of the entire insured amount is invested in highly reliable instruments.

These are deposits and federal loan bonds. The rest goes to aggressive investment instruments.

As soon as the contract expires or an insured event occurs, the client or beneficiary receives the entire insured amount plus investment income.

The amount of income for the entire term of the contract can reach 200%.

Investment income has no ceiling, but it is not guaranteed either. All obligations of the insurance company are to preserve the deposited amount and to pay it on time under appropriate conditions.

Client capabilities

A Sberbank client can do the following:

• the client has the right to change the financial instrument at any time. If the chosen fund, in the client's opinion, does not justify trust, or the potential of another fund is obvious, then it is enough just to submit an application indicating a different direction of investment.
• the client can fix the investment income at any time. This means that the guaranteed payment amount becomes larger by the amount of the fixed income.

• the client can receive additional investment income.
• if the client has an opportunity or desire, he can increase the insured amount and potential income by means of an additional contribution. Money can be deposited at any time during the entire validity period, and this will not entail an increase in the term.
• prolongation... If the client is satisfied with everything, and he sees the potential in the selected fund, he can use the option "Contract extension".

Renewal of the contract is possible 1 time and for 1 year. The client must indicate his intention at least one month before the end of the contract.

In order for the client to be completely satisfied with their investments, Sberbank Life Insurance recommends:

• do not terminate the contract before its expiration date. Otherwise, there is a chance that the client will remain in the red.
• fix income with minimal positive dynamics.
• do not confuse the concepts of "guaranteed profitability" and "potential profitability".
• determine in advance the time and amount of the amount, taking into account their capabilities.
• carefully examine the potential of funds and take into account that retrospective is not an indicator of prospects.
• do not focus on market fluctuations. A fall is always followed by a rise. For growth, a fall is always possible. The fund chart is not a straight upward straight line.

Investment insurance is a new product on the insurance market in our country. Now, like any innovation, it scares the layman and meets his staunch resistance, implicated in the desire to "do everything the old fashioned way."

Possessing obvious advantages over deposits, it is intended primarily for people with high income, since their financial literacy allows you to overcome prejudices.

Video: Smartpolis

The instability of the economic situation observed by many Russians provokes a growing demand for a profitable and optimal investment of available finances. Due to the constant rise in inflation, the usual deposits offered modern banks, cannot guarantee real and good income. Equity investments investment funds and microfinance organizations are risky and costly and time consuming. Therefore, today the optimal investment of funds and profit is relatively new program investment insurance "SmartPolis" Sberbank.

What is investment life insurance

Investment life insurance is an excellent tool for generating good passive income. It is a specially designed program that combines a form of investment and a system of endowment insurance.

The essence of what is beneficial for the majority Russian citizens type of life insurance lies in the fact that after the expiration of the term stipulated by the contract, the depositor receives not only the money invested when concluding a contract with the banking structure, but also a good investment income that does not have an upper bar.

Sberbank Insurance offers SmartPolis for favorable terms during which the client receives life insurance. In the event of an incident specified in the terms of the contract, the amount of insurance is returned to the citizen, as well as the investment income accumulated at the time of the insured event.

IC "Sberbank Insurance" - the guarantor of stability and reliability

Investment life insurance is provided by many organizations, but the services offered by Sberbank Insurance IC are in the greatest demand and popularity. The organization was formed recently and LLC was chosen as the organizational-right form. The company is a subsidiary of Sberbank, which is the sole owner of all authorized capital... This is what caused the popularity of SmartPolis from Sberbank Insurance and customer reviews confirm this fact.

Also, the demand for the services offered was caused by the well-organized work of the company and orientation towards a potential consumer in the implementation of life insurance. The company's programs are among the top three on the insurance market in Russia.

Distinctive features and main aspects

The features of such a tool for generating passive income are benefits and advantages of SmartPolis:

1. Important distinctive feature consists in the fact that the amount invested by clients is divided into two parts, one of which is invested in proven low-income instruments to guarantee the return of finance, and the second part is invested in high-income instruments with some risks to ensure a high rate of return. Thus, the amount of investment is invested in safe deposits, bonds and a risk fund with a large potential return. SmartPolis guarantees for the return of funds are secured by investments in the guarantee fund.

1. The client does not need to have the knowledge and skills of investing in various financial markets, since all the worries and work are taken over by the insurance company.
2. Unlike the traditional deposit, according to the current legislation, it is impossible to seize or divide the sum insured upon the fact of a divorce.
3. "SmartPolis" agreement provides for the indication of any number of beneficiaries, while the persons should not be in mandatory the client's relatives.
4. There is no tax deduction if the amount of income received is less than the current refinancing rate.
5. The client independently chooses a financial instrument with high profitability... To answer the question of which fund to choose, it is recommended to consult with competent and experienced specialists of the institution.
6. During the validity period of the concluded contract, the client can create an additional contribution at any time. Such an operation is provided by SmartPolis Sberbank, reviews of depositors indicate that this is a significant advantage of invested insurance.
7. Any citizen of the Russian Federation over the age of 18 has the right to issue a Smartpolis. In this case, the age of the insured person can range from one year to 80 years at the time of the expiration of the contract.
8. The minimum investment period is five years.
9. The ILI policy from Sberbank provides an opportunity to maintain financial well-being in the event of undesirable and unfavorable situations.
10. A convenient personal account "Smartpolis" is provided.

Profitability of SmartPolis and the principle of the program

How to apply for a SmartPolis and choose a management fund? This natural question is asked by many. The conclusion of the contract does not require performance special conditions... Before signing the contract, the client needs to choose effective tools to generate high profitability:

• the bond fund is the safest and least risky enterprise, providing a long-term perspective and receiving a small income;
• the US stock market;
• raw material fund;
• the global real estate sector;
• innovative technologies - this tool involves investing in well-known global corporations: Google, Samsung and other multinational companies;
• the RTS index, which is an indicator of the level of the Russian economy;
• gold;
• shares of Sberbank of the Russian Federation.

The profitability of SmartPolis depends on the selected high-yield fund and can reach 200% for the period of the contract.

How to terminate the SmartPolis agreement

Sberbank's specialists strongly advise against terminating the insurance contract ahead of schedule. This advisable advice is due to the occurrence of financial losses for the client. According to article 958 of the Civil Code of the Russian Federation insurance premium, paid by the client of the organization, is not refundable, if the contract does not provide for such a condition. And it is not provided for in the insurance contract even for the clients of the special service format of Sberbank Premier.

The only one the best option termination of the contract today is the preliminary appeal of the client to Sberbank with a proposal to terminate the contract by agreement of both parties with a refund. Experienced lawyers at the same time, it is advised to indicate in the application the fact of misleading the client regarding his powers.

If there is no reaction and response from Sberbank, then it is necessary to submit statement of claim to the court to declare the concluded contractual document invalid. As a reason early termination it is necessary to indicate that the terms of the contract were violated by the party.

SmartPolis: customer reviews and my opinion

What does SmartPolis give? The program helps to get passive income... But a new product in Russia on the insurance market scares many potential investors because of the latter's financial illiteracy. From a theoretical point of view, investment insurance has numerous advantages over traditional deposits.

After reading the reviews of people who have used the services of IC Sberbank Insurance, I saw a lot of negative opinions and very unflattering statements about SmartPolis. In most cases, negative reviews are associated with inattention of customers when reading the contract. There are two main disadvantages of the product:

1. The inability to exit the investment program without financial losses.
2. Lack of payment guarantees high income... Investors strive to get the maximum income, but at the same time they do not take into account that the higher the guarantor, the lower the potential for profitability.

Sberbank Insurance is a reliable organization that strives, first of all, to reduce the risks of losing client money. For this reason, the SmartPolis program is suitable for people who are satisfied with long-term investments funds for self-selection of a highly profitable fund. It is worth concluding a contract if the client is sure that there will be no need for early termination.

Investment life insurance is a good tool for generating income, which has its own advantages and disadvantages. It is recommended to carefully study all the clauses of the concluded agreement and, if you have any questions, be sure to ask them to a Sberbank employee in order to avoid unpleasant situations in the future.