Top 10 Life Insurance Companies

Every day a lot of things happen. Unfortunately, some of them are of a negative nature, including injuries, illness and death. Therefore, for your protection it is worth considering the option of acquiring insurance. It will help to cope with situations that were not planned. The big advantage is that in addition to the standard option of contributions and waiting for an insured event, new options have appeared. Investment and savings insurance programs are popular among them. The first will save capital and make money. The second is a way to achieve a financial goal and the ability to support it in an emergency. In our ranking, we collected the best life insurance companies, focusing on reviews, service packages and analysis.

Top 10 best life insurance companies

10 VTB Life Insurance

Appeared on the market in 2005. The company has established itself as a rapidly growing. The amount of fees is considered large. Today, VTB Life Insurance is one of the leading firms in this area. This company is not assigned a reliability rating. On the other hand, the main company VTB Insurance owns the maximum ruAAA. That is, it is financially reliable, and the forecast in this direction is stable. Among the insurance companies of Russian capital, VTB Life Insurance also gets the maximum rating. The quality of services is also not overlooked, and according to this indicator, VTB is considered the best.

The company offers investment and savings insurance services. In the first case, it is a guarantee that when using your money, part or all of the capital will return to you. At the same time, it will be possible to make additional money. Accumulation system will allow you to create a personal fund, and in the event of an insured event, VTB will block the missing amount. Depending on the investment package chosen, the amount of contributions and the level of earnings change. The accumulative system will allow to provide itself, relatives or children in the future. Presented several packages, each convenient in their situation.

9 IC "Ingosstrakh Life"

For the first time, Ingosstrakh Life Insurance Company opened in 2003, and in 2007 received its current name. According to its performance in the market of insurance programs is considered rapidly growing. For the year gained momentum twice. Life insurance accounts for 91% of company packages, 6% accidents and 2% retirement plans. It occupies a leading position among pension insurance. IC Ingosstrakh Life has been rated ruAA. Its financial performance is consistently high, inferior to leading by only a few percent. In relation to the firm, the outlook is stable.

IC Ingosstrakh-Life does not separate life insurance separately. Safety of life is included in the package of services to ensure the health of customers. The best option is recognized cumulative life insurance.You set a financial goal, but in the case stipulated in the contract, the firm compensates for the deficiency and pays the amount to you or the specified person. By a similar scheme, packages of savings insurance for children, pensioners are presented. There is also the option of investment insurance, protection against diseases and accidents. Special attention should be paid to such programs as "Antiklesch" and "Check up". They will help to take care of additional life and health.

8 MetLife

Russian-American company, opened in 1994. She is part of the international holding MetLife. It is considered one of the leaders in life insurance in Russia. It works mainly in large cities. In addition to the office in Moscow, there are 30 more branches. In the company's package of services, life insurance accounts for 60%, accidents - 21%, voluntary insurance - 14%. The company is a sponsor of the Grand Tetra. MetLife has a ruAAA rating for financial reliability. The forecast for the near future is positive. Over the years of its existence, MetLife has been awarded several times, including the title “Insurance Company of the Year” or “Best Life Insurance”.

For customers, the company has developed a unique program "Telemedicine and medical concierge." The first service allows you to get advice and a second opinion on medical issues at any time for the policyholder. The second is assistance in organizing treatment in a clinic abroad or in Russia, including visas, transportation, etc. There are two main insurance products: “Life +” and “Life Protection +”. “Life +” is the financial protection of the family in the event of the death of the client, the second program is taking care of them and you. In the "Protection of life +" you can enable additional options.

7 Alliance Life

The company was founded in 2003. Considered one of the leaders in the insurance market in Russia. It belongs to the German company Allianz, which belongs to the list of the largest companies in the world. She recognized significant for the global economy. Allianz is also known for covering damages after the death of the Titanic. Alliance Life, in turn, is known for its stability among other firms. Her rating has been consistently high since 2011. The latest assessment of the reliability of the company provided it with a ruAAA rating. High financial reliability with a stable outlook.

Among the products of the company Alliance Life can be found cumulative and classic insurance. The first is divided into creating a “backup pillow” for yourself or a family, there is also a separate service for a child or a pensioner. It is worth highlighting the investment program. It will allow you to earn and protect yourself. Suitable for people practicing Islam. Among the classic ones: full insurance of oneself, children, active retirees, travelers, there is also insurance for cancer. For cases of different types, pay attention to the “Risk Control” packages to protect your life and health. A similar program exists for children.

6 VSK-line of life

The company was established in 2004. It differs from others in that it is registered in Moscow, and at the same time it does not have a single branch. Distribution of products is engaged in CJSC "VSK". And there are over 500 distributor offices throughout the country. Therefore, if necessary, the insurance program is easy to purchase. Life protection is the main segment of VSK-Life Line on the market 87.49%, the rest is mandatory state insurance for military personnel and a pension program. The company has been rated ruA +, a high indicator of financial reliability, but there are small fluctuations when the economic situation changes.

VSK-Life Line is characterized by a poor choice of insurance programs. The main ones are “Family” and “Payment by the due date”. The first is based on full family insurance and protection in case of injury or accidental death. The second is the ability to create capital and protect yourself. It is divided into the accumulation and provision of the unborn child.The maximum period is up to 20 years. The advantage is also that during the entire term of the contract interest is charged, which increases the amount in the account. The offer from VSK Life Line is suitable for those who do not want to understand tariffs for a long time, but simply want to take care of themselves.

5 AlphaInsurance-Life

The company appeared in 2003, its experience in the market is already more than 15 years. According to the annual turnover AlfaStrakhovanie-Life takes one of the leading places. In the insurance policy, the company focuses on regional representation. Offices are located in more than 270 locations. The company is rated ruAA. She has a high level of financial reliability, the outlook for the future is stable. Over the years, the life insurance company has received many awards, including a premium for quality of service. The main areas of insurance - credit, investment and savings.

Popularity is gaining investment direction. It combines the ability to not only save the money already available, but also to increase it. Plus the program is that in case of loss of investments in the market, AlfaStrakhovanie-Life retains all or part of the invested capital. You can choose simple and reliable options depending on the capabilities of the investor. The downside is that money can “not play”, and only the initial contribution will remain. Cumulative system is not so profitable, but more reliable. Depending on the need, you can create a reserve, take care of the family or child. Credit direction covers debt in case of an insured event.

4 SOGAZ-LIFE

SOGAZ-life is a large company. Appeared on the market in 2004. Belongs to Gazprom and the Bank of Russia. For 2018, 99% of assets accounted for it in life insurance. SOGAZ-life maintains the ruAAA rating for three years. This means that the firm is in a sound financial position. The forecast for the future is stable, no changes are expected.

SOGAZ-life company is trying to make life as easy as possible for customers. Therefore, going to the site, you can not only get acquainted with the insurance packages, but also get answers to most questions. There is a special video about the most popular product (cumulative insurance), which explains all its advantages. Each package is painted in detail, it is possible to immediately read the conditions, calculate the cost and find the necessary department. Insurance application is also submitted online. Among the insurance products are presented both short-term and long-term programs for up to 20 years. Packages are offered to support yourself, children, the whole family. We should also note the option of protecting health for railway workers. Cases such as death, unfitness to work and the achievement of a pension are considered.

3 PPF Life Insurance

The company is focused on life and health insurance. It was created in 2002. Now it is the property of the Czech-Italian concern. Life and health insurance accounts for 85% of transactions, the remaining 15% are pension insurance. PPF Life Insurance is a medium-sized company with about 5,000 offices throughout Russia. The main office is located in Moscow. The company's reliability rating is ruAA. This means that it is financially reliable, and the outlook for it is stable. Not much inferior category ruAAA. The difference is minimal.

A wide selection of insurance packages allows you to choose the best option for each case. The main directions are insurance for one year and for long-term cooperation, the term depends on that specified in the contract. Considering all the proposals, it is necessary to pay attention to the main areas: insurance of yourself, family, child. But it is worth noting several unusual offers: health insurance in case of cancer, a comprehensive offer for one adult and one child, for people from 18 to 30.There are also options for women: maintaining independence, or, for example, preparing for motherhood.

2 Raiffeisen Life

A subsidiary of Raiffeisenbank from Austria. In the insurance market since 2009. During its existence, shows a regular increase in capital. It is rightfully considered one of the most stable insurance companies in Russia. She was assigned a ruAAA rating. This means that the company is solvent and fulfills its financial obligations at a high level. Raiffeisen Life shows a high rate of insurance premiums. Capital stock is also positive. An overall assessment concludes that the outlook for the company is stable. Raiffeisen Life is benevolent, it regularly responds to all requests and feedback on the relevant forums.

Raiffeisen Life services are divided into two categories: standard and premium. Apart from the difference in contributions and maintenance, the essence of them is the same. All main products are designed for a cumulative insurance system. It works in such a way that after the end of the insurance period, you are paid the amount under the contract. Several options are being considered. The first is with an emphasis on the insured himself, when the specified amount is issued due to loss of work opportunities or paid to the family due to the death of the client. The second is when the payment is calculated for a family, if the breadwinner receives a disability and dies, and the amount of the payment doubles. The third is the creation of capital for the child for the future, the same conditions with the expectation of providing for the child.

1 Sberbank Life Insurance

The company is owned by Sberbank of Russia. Entered the market in 2005. Over the years, proved to be one of the leaders in the insurance industry. The company specializes in funded, risky, life insurance investment. For their merits, Sberbank Life Insurance received several awards from the financial elite of Russia. Officially, the company is endowed with a ruAAA rating, the highest possible indicator of financial reliability in Russia. She is the largest insurance company in the country.

Sberbank Life Insurance provides several insurance options. Among them are classic, investment and savings. For each provided several options. The ability to insure only yourself, your family, only children. Carefully look at what cases that are covered. Not all sports are considered paid: for example, for parachuting, various kinds of martial arts, and so on, you will not receive compensation. 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 registration system. You will only need to fill out the form and send it to the manager. All other services you will find in any branch of Sberbank.

Popular vote - which life insurance company is the best?
We vote!

Sberbank Life Insurance

Raiffeisen Life

PPF Life Insurance

SOGAZ-LIFE

Alpha Life Insurance

VSK-line of life

Alliance Life

MetLife

SK Ingosstrakh-Life

VTB Life Insurance

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