Svetlana

I have several existing investment agreements in Capital Life with yields ranging from 13 to 40%. I would like to say to those who are angry and offended, develop financial literacy and learn to understand investment programs. You need to buy investment programs with annual payments, the ability to fix and withdraw returns annually, and you will also receive a tax deduction of 13% annually. Such programs are called “Capital Management 360°”

I, S-va Nadezhda A., live in Orenburg, I want to express my gratitude to the insurance company Capital Life, since I had an insured event. I broke my leg, and the insurance company quickly made me a payment for the injury, so if you trust your life, then only to a trusted company - such as Capital Life.

Agreement 50******86 “Caring for the Future: Prestige for Children” was concluded a year ago in March 2018. In September, the child suffered a concussion. We were treated for 2 weeks in the hospital and a week at home. I submitted the documents as soon as I got back from sick leave. Received quickly without queues. The payment came to the account on the second day in full, as stated in the payment table. Thank you very much for being here.

I injured my finger with a chainsaw... Having collected all the documents related to the insured event, I contacted the company. Everything was completed very quickly, the consultant was extremely attentive. The quality is a solid 5+. The payment was made on the third day of submitting the application. I am very grateful to the company for the services provided, now I only recommend Capital Life to all my friends. After this incident, I bought another insurance policy.

In 2017, she entered into an insurance contract under the “Protection of the Future” Program. In 2018, there was a serious insurance event that was diagnosed as fatal dangerous disease. I contacted the claims settlement center. About a week later I already received the insurance payment. Thank you, everything was fast and efficient. If you have any questions, you can contact your personal agent. They will explain everything and give advice. Thanks a lot. I recommend it to everyone, an excellent insurance company.

Great Company! I recommend!
People always find time for bad reviews and skimp on good ones. It's a pity. The company's products are some of the best on the market. And there are no problems with payment. I have three contracts drawn up for myself, my husband, and my child. My colleague had an insured event, they helped me collect documents, the consultant explained everything correctly, and was always in touch. Paid within three days. The company is excellent, the people work well, I personally recommend it.

Before meeting the consultant of the CAPITAL LIFE company, I did not know about the endowment life insurance program. I would like to note that my work (business trips) and my hobby (fishing, driving) are classified as risky. Today I not only have financial support in case of injuries and other things, but also money is accumulating like in a piggy bank. I would like to express my deep gratitude to the financial consultant of the company R.N. for her care, sensitive, reverent attitude towards my person, for providing assistance in shaping my goal, for her professionalism in the field of life insurance. Now I am confident that I can not only protect myself and my family from an unforeseen situation, but also create a financial reserve. Thanks a lot! I advise everyone to think about their future today! My name is Vasily, Nizhny Novgorod, contract No. ********* “Caring for the future “Comfort for adults”.

Lyudmila Ivanovna

Three years ago I bought a MARS policy. I insured my husband for his death for 50,000 rubles. Trouble came suddenly. My beloved husband died. I came to the office, wrote a statement, and what a surprise I was when they sent me money within the same day. I deposited 17,000 and received 50,000. Many thanks to the company for its help in difficult times.

“CAPITAL LIFE contributions are always affordable and you don’t have to wait for discounts! Hooray!"

krasnoyarsk.flamp.ru

Money management 360 - super product and service! In my opinion, this program contains everything that a person needs from insurance: protection, accumulation and investment income, in addition, as they explained to me (it is also written in the contract) - after the second installment I will be able to withdraw 60% of the deposited funds without terminating the contract ( Not a single insurance company offered me such conditions - only termination with loss). A nice bonus is the opportunity to receive a social tax deduction; I can add risks at any time.

Alexander

“On April 27, I wrote a post that the insurance company CAPITAL LIFE (RGS Life) terminated a lifetime insurance contract with me, allegedly for non-payment, although I paid regularly. The insurance was in case of death, so that the family would have something to bury me with. Therefore, I think you will understand my state when I learned about this sad event. It became even sadder because the funds I paid were irretrievably lost to me. Imagine my surprise when, in the evening of the same day, a company representative, Natalya, contacted me on Facebook and offered help in solving my problem. A week has passed and everything has fallen into place: my contract remains in force! It's great when there are people like Natalya in the world. Thank her very much!”

Hello!
Agreement 5004541017 dated 08/28/2015.
Since January 2018, I have been nurturing the idea of ​​leaving a review about the program “RGS-Life” - “Wealth management direction “MN”, because... neither the promised conditions for receiving information under the contract by email were fulfilled (they promised to send investment reports by email almost every month, but they arrived only for the first six months, then once a quarter, then once every six months, and the last year, did not come at all, apparently the “postman” was broken, or it was a shame to provide a report on his work), nor the promised conditions for receiving information under the contract in your personal account (except for the “ tab General terms“no more were opened, and in this tab only the data that was on paper at the very beginning), and after calling a specialist it turned out that in 2.5 years these “miracle stockbrokers” from 150 thousand rubles. managed to squeeze out 6 thousand rubles, which is clearly significantly less than the interest rate announced at the conclusion of a minimum of 18%, a maximum of 35%.
Then the emotions subsided. “Without a sucker, life is bad!” For some, to teach children at school, for others to deceive people. (My mother concluded the agreement, unfortunately, without reading it; she was not warned about the incomplete refund amount (-10% of the invested amount), and I read this agreement only six months after the conclusion).
But I was prompted to return to writing a review by a call in mid-July from RGS. It openly stated that our program had failed, the income was zero, so it was more profitable to take the refundable amount a month and a half before the end of the contract and invest it in a new investment program, conditionally, “Golden Antelope,” because it certainly would not fail. This is where things started to boil: not only did they prick him once, but they decided to continue to extract until the last penny. Moreover, without reaching my mother, they called me as the 100% beneficiary. I refused and told my mother not to call again, but then she received calls anyway.
We decided not to withdraw the amount before the end of the contract, so that later there would be no “excuses” that are often found here: “the contract was terminated earlier, and now you are throwing out the negativity, if you had waited 2 months, you would have received the promised mountains of gold.”
We came to collect our "-10% of the initial deposit", we ask:
- Is the investment income completely zero?
They open a chart for us (apparently, which we should have observed in our personal account for all 3 years), and there was still “unused” money in the amount of 155.5 thousand rubles. Then the dialogue:
- Will we get this amount back? Or is this the entire available amount, from which the 15 thousand rubles specified in the contract will be withdrawn.
- I don’t know, I’m not sure, maybe this one, maybe not this one. Or maybe because... the amount is shown in June, something else will be added in 2 months.
- Will we receive the amount to be paid immediately or will we have to come for investment income later?
- Everything at once.
A refund amount of 135 thousand rubles arrived. from the initial 150 thousand rubles. Apparently, something happened from June to August, and the remaining 5.5 thousand rubles. also burned out, or maybe the employees decided not to make us laugh with their work with the words: “She died like that!”

Authorized capital, thousand ₽

Net profit, thousand ₽

Volume of bonuses, thousand ₽

Volume of payments, thousand ₽

Offers from the insurance company Capital Life

Saving for the future (Prestige for adults)

Go to website

Saving for the future of children (Prestige for children)

Go to website

Critical illness insurance (CII)

Go to website

Investment insurance

Go to website

Accident insurance

Go to website

Lifetime insurance (MARS)

Go to website

Main types of insurance

For individuals

• Voluntary health insurance
• Accident and illness insurance
• Investment insurance
• Endowment life insurance

Legal entities

• Collective accident insurance
• Collective pension insurance
• Collective savings insurance

Information about the company

Help website about the company The Capital Life company is one of the largest Russian insurers.">

Capital Life Insurance LLC (Capital Life) is a large insurance company specializing in life insurance and voluntary pension insurance. Until September 3, 2018, she worked in the market under the name LLC IC "RGS Life". At the end of 2017, the company took ninth place in the ranking of leading Russian insurers and second place in terms of the volume of collected premiums among life insurers. The company's divisions are open in 74 regions of the country. The head office is located in Moscow.

The RGS Life company was founded in 2004 and is one of the first players in the real life insurance market. In the first year of the company’s operation, a specialized network of life insurance agents was created, covering more than 50 cities of Russia (“RGS Life” relied on the most extensive branch network of Rosgosstrakh in the country), a corporate sales channel was formed, cooperation with partner banks was developed, and new products.

At the end of 2009, RGS Life took second place among life insurers, collecting 1.7 billion rubles in insurance premiums. By 2013, the insurer intended to triple premium collections, increasing them to at least 6 billion rubles, and increase the company's share in the life insurance market to 20%.

In the fall of 2010, RGS Life entered the pension insurance market by purchasing a small NPF Interregional.

All this time, the RGS Life company managed to maintain a leading position in the life insurance market. At the end of 2012 (when the life insurance segment became one of the fastest growing in the insurance market), the company increased its business by 40%, the volume of insurance premiums reached 8.3 billion rubles (third place among life insurers; the company’s share in the life insurance market is 11. 4%).

At the end of 2013 - beginning of 2014, when the development of credit insurance began to slow down and the greatest growth dynamics shifted to the area of ​​accumulative and investment long-term insurance, RGS Life demonstrated growth rates in insurance premium collections that were twice the market average (second place among the largest life insurers in I quarter of 2014, fees - 2.9 billion rubles).

In September 2016, it became known that the company had acquired Otkritie Life Insurance LLC, a medium-sized company in terms of collections, specializing in life insurance for retail clients in the Moscow region. The acquired company changed its name to SK Capital-Life LLC.

On September 3, 2018, the company “RGS-Life” also changed its name: it continued to operate on the market under the name “Capital Life Insurance” (Capital Life). In December 2018, the company completed the procedure for accepting an insurance portfolio under voluntary life insurance and voluntary personal insurance contracts from its subsidiary, LLC SK Capital-Life. The insurance portfolio was transferred in connection with the planned implementation of the business consolidation strategy in the parent company - Capital Life Insurance LLC.

The only participant in the company is Life Invest LLC, the main owner of which is the Cyprus company DATLODIX INVESTMENTS LIMITED (indirect ownership share - 97%). According to statements by the company's president, Evgeniy Giner, since 2015 he has been the actual owner of the company. The transaction was formalized under English law, and in June 2018, permission was received from the Federal Antimonopoly Service to register it under Russian law. At the same time, in the company’s documents, Khachaturov’s long-time partner Alkhas Sangulia is listed as its beneficiary.

Awards and prizes

CAPITAL LIFE is a multiple winner of leading Russian financial and industry awards:

• “Financial Elite of Russia - 2016” - winner of the “Stability” nomination;
• “Financial Elite of Russia - 2017” - winner in the categories “Reliability” and “Social Responsibility”;
• “Financial Elite of Russia - 2018” - winner in the “Reliability” category;
• "Investor Awards - 2014" - laureate in the category "Investment Product - 2013";
• "Investor Awards - 2017" - winner of the nomination "Best investment life insurance product - 2016";
• “Consumer Rights and Quality of Service - 2018” - winner of the nomination “Best Innovative Offer in the Russian Life Insurance Market”;
• “Financial Olympus - 2018” - winner of the nomination “Leader in payments in the life insurance market”;
• “Time of Innovation - 2018” - winner of the “Project of the Year” nomination in the “Insurance Services” category;
• “Financial Sphere - 2019” for the best online service for processing payments in the Russian life insurance market.

Expert RA withdrew the company's reliability rating at the request of the rated entity (event date: May 8, 2018). The rating was withdrawn without confirmation due to the lack of sufficient information to apply the methodology. Previously, the company had a reliability rating of ruBBB+ with a stable outlook.

ACRA assigned Capital Life a credit rating of BBB(RU), outlook “stable” (event date: October 10, 2018).

The company's clients include more than 1 million people and over 6 thousand leading Russian and international companies, small and medium-sized businesses. Among the corporate clients are Vympel Shipbuilding Plant JSC, Vladikavkaz International Airport JSC, Moscow Zoo State Institution, Kovylkinsky Electromechanical Plant JSC, Moscow Endocrine Plant Federal State Unitary Enterprise, Research Institute JSC automated systems and communication complexes "Neptune", JSC "Gazpromneft-Aero Novosibirsk", JSC "Mosgaz", JSC "NPO Lavochkina", JSC "NPO "Microgen", JSC "RT-Okhrana", JSC "Russian Export Center", etc.

0911 – for calls from mobiles

Official website https://kaplife.ru/

company licenses

License	License status

Life insurance is currently becoming increasingly popular. Most often, citizens use this service not to provide for their family in the event of undesirable events, but rather because of the need to obtain insurance when applying for a loan or making a large purchase. Many banking institutions recommend using the services of Otkritie LLC.

Why is it worth insuring your life at Otkritie LLC?

Otkritie Life Insurance LLC (renamed IC Capital-Life in June 2017) is one of the largest insurers in Russia. The company is widely in demand due to the following advantages:

Features of different policies and insurance conditions

In 2018, the insurance company provides the opportunity to purchase one of 6 insurance policies. The main insurance conditions include the following points:

Each insurance policy has its own characteristics. Their description is given in the table:

Policy	Contract term, (years)	Age of the insured, (years)	Currency	Insurance fee	Frequency of payment	Early withdrawal of funds	Insurance risks	Possibility of specifying additional risks
Assets	5	18-70	Rubles and dollars	From 300 thousand rubles.	Once at the time of signing the contract	50%, once until the end of the agreement	Survival until the specified period, death of the insured	Death of a client due to an accident
Growth factor	3 and 5			From 50 thousand rubles.	One time	Not provided, only early termination is possible		_
Capital	From 5 to 40	18-65		Depends on the term of the contract, the age of the insured, risks, frequency of contributions	Annually, semi-annually, quarterly, once			Injuries of varying severity, accidental death
Children's	From 5 to 22	No more than 23						Injuries, determination of disability after an accident
Protect yourself	1	18-64	Rubles	Depends on the age of the insured	Once		Injuries due to an accident	-
Family protection		Adults – 18–64, children – 3–17					Injuries, death	Treatment in a medical facility, loss of opportunity to work, serious illness, loss of job

What to do if an insured event occurs?

The algorithm for the client's behavior in the event of an insured event is specified in the clauses of the contract. The following plan must be followed:

• notify the insurer of any in an accessible way about the occurrence of the events specified in the contract within the period established in the terms of the policy;
• bring in person or send by letter with notification documents confirming the occurrence of an insured event (medical certificates, death certificate, etc.);
• provide a personal document and an insurance contract.

A representative of the Investigative Committee will check all documents. If it is necessary to clarify some information, he has the right to request additional documentation. The insurance payment will be transferred to a bank account within two weeks after the application.

Life insurance programs at Otkritie

Otkritie Life Insurance, or IC Capital-Life, provides clients with the opportunity to choose one of the programs that, in addition to insurance payments, allow them to receive income from the funds paid, as well as accumulate funds for an expensive purchase. Depending on the desired results, citizens can choose the product “Investment with Guarantee” or “Accumulative Insurance”.

Investment program

The program provides “Asset” and “Growth Factor” policies. The peculiarity of the program is that the client, when depositing funds, insures his life and is guaranteed to become a participant in Otkrytie investment projects.

The down payment amount is divided into two parts. One of them is sent to a fund that guarantees insurance payments, and the other provides income.

When an insured event occurs, the insured person or the beneficiaries specified in the contract are paid not only the insured amount, but also the income received from the investment. The amount of payments depends on the contribution and the choice of investment project. The client can monitor the movement of investments using a personal account opened in his name on the website of the partner bank.

The insurance company invests the client’s money in the pharmaceutical business, bonds, shares foreign companies. Purchasing policies allows you to receive tax benefits. The funds received are not considered joint property of the spouses, so they will not be divided in the event of a divorce.

Savings program

The Discoveries savings program also includes 2 products. With the help of policies, the policyholder, in addition to life and health insurance, has the opportunity to accumulate funds by depositing certain amounts during the term of the contract.

When purchasing a Capital policy, the client himself becomes the insured person. The “Children” product implies the purchase of insurance for a child.

In addition to the accumulated and insured amount, the policy owner has the opportunity to receive income from investment investments. If the insurance premium was paid in full once, the policyholder will receive a profit from the investment from the moment the contract is concluded. When depositing funds in installments, it is included in investment activities no earlier than 12 months later.

However, the amount of additional profit will be less than in the investment program. The client can track the amount of savings in his account in the online version of the bank.

Now, in order to obtain insurance, it is not necessary to visit one of the Rosgosstrakh offices every time. It is enough to go to the official website from a computer or laptop, where after a very simple and quick registration you will be able to manage various services from the client’s account.

Recently, the company has developed a free mobile application for its clients “RGS Life”, which can be installed on a tablet or cell phone.

Using your personal account you can perform many functions:

• Call a financial advisor.
• Get advice from a hotline specialist using a call back.
• Insure your business, savings, property, health.
• Take out savings insurance for your children.
• Buy travel insurance.
• Participate in numerous promotions.
• Receive nice bonuses.
• Insure savings for your own pension.
• Quickly activate your policy.
• Make online payment for your services without commission.
• Receive reminders about contract expirations.
• File a tax deduction.
• Receive timely and updated information about policies.
• Report an insured event and track the progress of its event.
• Both on the website and in the application, using the “Find an office” button, you can not only find the nearest Rosgosstrakh office, but also find out its work schedule and phone numbers.

Every year, the list of insurance policies of the progressive and reliable company Rosgosstrakh continues to grow.

Step-by-step registration

There is one caveat. In order to get your personal page on the site, you first need to conclude an insurance contract at the Rosgosstrakh office. During insurance, employees will enter your phone number into the database, only after which you will be able to register.

To register, you need to go to the official website of Rosgosstrakh Life (), click on the “Client Account” button. Then a new page will open where you need to click on “Get login and password”. After which the program will ask you to enter your number in the empty field. mobile phone. And in the lower empty field you need to enter the code that is to the left of it. After clicking on the “Receive” button, an SMS with a code will be sent to your cell phone within 3 minutes.

Hotline number: 8 800 200-68-86.

From a mobile phone: 0911.

On the “sales portal” registration takes place in the same way.

But you can also bypass the registration procedure for the “RGS”. This is only if you already have registration with State Services. All that remains is to go to the “RGS” through it.

You can follow the news of "RGS" by subscribing to their group in one of social networks, indicated on the site on the left in the form of branded icons.

After successful registration, you must enter your own data: full name, passport details, date of birth.