Top 10 Life Insurance Companies

The firm is part of a global holding that is the leader in bancassurance. The basis of its portfolio are products related to life and health - almost 65% of all packages. Trust in these programs is confirmed by positive customer reviews, as well as recognition in the professional environment: the company is among the top 10 JVs in the personal insurance category in terms of JV volume. The company is also chosen due to its availability - its services are offered in more than 500 points throughout the country by external partners, including banks, brokers, automakers and dealer holdings. The only negative, according to customers, is the difficulty of dialing to the service and the length of waiting for callbacks, because the response time can be about two days, which is very critical, for example, during the cooling down period.

Since 1992, the company, which is average in terms of fees, has strengthened its reputation as one of the most stable partners. This confirms the high reliability rating, accompanied by a positive outlook. The company is included in the top 50 in Russia, and at the end of 2019 took 38th place in the top in terms of insurance premiums. At the forefront among the programs are property and auto insurance. In recent years, the life insurance policy has been steadily catching up with them in popularity among customers, not least because of the low percentage of refusals to pay. In 2020, JV fees increased by 3.2%, and growth is only gaining momentum. However, when filling out the forms, you need to be extremely careful - changing the data can take a long time.

The main company VTB Insurance owns the maximum ruAAA indicator, that is, it is financially reliable, and the forecast in this direction is stable.Among insurance companies of Russian capital, VTB Life Insurance also receives the highest rating. The quality of services has also not gone unnoticed, and according to this indicator, VTB is considered the best. The company offers investment and accumulative insurance services. In the first case, it is a guarantee that when you use your money, part or all of the capital will return to you. At the same time, there will be an opportunity to earn extra money. The accumulative system will allow creating a personal fund, and in the event of an insured event, VTB will cover the missing amount. Depending on the chosen investment package, the amount of contributions and the level of earnings change. The savings system will provide for yourself, loved ones or children in the future. Several packages are presented, each convenient in its own situation.

Renaissance Life is a large insurance company founded in 2004.More than 90 offices across the country work for clients. The company does not always fulfill its obligations in a timely manner, the percentage of refusals on payments is one of the lowest in the country. The reliability of the insurer is determined by the ruA+ rating. Customers are offered a wide range of policies: life and health insurance, accident insurance, investment insurance. For example, the program "Valuable Asset". This is cumulative insurance. If the client's health fails or another misfortune occurs, the insurance company will reimburse the costs. There is also an opportunity to accumulate a large amount and receive income - this program allows you to receive up to 15% of income per year.

Insurance on the market since 2004. It is included in the Russian TOP-5 largest life insurers, having the largest agency network in this area - more than 7,000 competent employees. In 2019, the company ranked 1st in terms of the number of endowment insurance contracts concluded and 2nd in terms of life insurance payments.The rating ru A testifies to the stability of the insurer. Clients who decide to insure health and life in Capital Life note the professional work of the staff, a convenient website with a full description of the programs and no inconspicuous conditions in small print. But if you call the insurer's contact center, you will have to spend a lot of time, customers warn.

The company entered the market in 2005. Over the years, it has shown itself as one of the leaders in the insurance industry. The company specializes in accumulative, risky, investment life insurance. For its services, Sberbank Life Insurance received several awards from the Russian financial elite. Sberbank Life Insurance provides several insurance options. Among them are classic, investment and accumulative, for each there are several options: the opportunity to insure only yourself, your family, only children.Not all sports are considered paid: for example, for parachuting, various types of martial arts, and so on, compensation is not allowed. Due to non-classical types of insurance, you can not only take care of your life, but also make investments. In addition, Sberbank Life Insurance has a convenient online system for registration.

One of the most experienced companies has been operating on the Russian market since 1993. Initially, it was known as Zurich - the brand was renamed only in 2015. With the change of name, the work policy has not changed. The key focus is on the development of a network of points of sale and a portfolio of policies, already impressive - more than 90 insurance programs, including reinsurance. The firm is flexible enough to offer package services with an eye to a rapidly changing world – for example, it responded to the Covid-19 pandemic with the Anti-Corona package, which covers temporary disability, hospitalization in case of infection, as well as payment to the family upon death.Here you can also find profitable promotional offers, for example, travel insurance can be issued with a temporary discount of 20%.

AlfaStrakhovanie-Life occupies one of the leading positions in terms of annual turnover. In the insurance policy, the company focuses on regional representation. The company's offices are located in more than 270 locations. The firm has been rated ruAA. She has a high level of financial reliability, the forecast for the future is stable. Over the years, the life insurance company has received many awards, including an award for quality of service. The main areas of insurance are credit, investment and accumulative. The advantage of the investment program is that in case of loss of investments in the market, AlfaStrakhovanie-Life retains all or part of the invested capital. The savings system is not as profitable, but more reliable. Depending on the need, you can create a reserve, take care of a family or a child.

Tinkoff Insurance is part of a large financial and lifestyle services company. Among the most popular products are auto insurance and health programs. Managers focus on online insurance. Indeed, the company's website, according to users, is the best on the market: it is easy to use, and thanks to the options offered in the windows, the risk of making mistakes when filling in the data is minimized. By the way, the insurer also makes all financial statements freely available - transparency is a hallmark of the entire Tinkoff group. But the offline service is a little inferior - each individual call of the client is processed by a new operator and manager, so the same problems have to be voiced many times.

SOGAZ-life appeared on the market in 2004 and is owned by Gazprom and the Bank of Russia. For 2018, 99% of the assets in it are for life insurance. By visiting the site, you can get acquainted with insurance packages, get answers to most questions. There is a special video about the most popular product (cumulative insurance) where all its advantages are explained. Each package is described in detail, it is possible to immediately familiarize yourself with the conditions, calculate the cost and find the necessary branch. The application for insurance is also submitted online. Insurance products include both short-term and long-term programs for up to 20 years. Packages are offered to provide for yourself, children, the whole family. Separately, it is worth noting the health protection option for railway workers. Cases considered include death, unfitness for work, and reaching a pension.