About the company
AlfaStrakhovanie-Life LLC was established in 2003 as the specialised life insurance company of the AlfaStrakhovanie group. It offers long-term savings and investment programmes, risk life and health cover, and corporate schemes for employers.
According to the Bank of Russia, AlfaStrakhovanie-Life ranked second among all Russian insurers by premiums in 2025 and third in H1 2026. It is registered in Moscow on Likhachyova Avenue, in the same complex as the group's parent company.
Lines of insurance
The main lines are savings and investment life insurance, protection plans covering death, disability and injury, personal accident insurance, and group cover for employees. Property lines and OSAGO within the group are written by AlfaStrakhovanie.
For individuals
For businesses
Key features
The company operates under Bank of Russia licences SZh No. 3447 and SL No. 3447 covering life and other personal insurance. Investment plans offer the potential for additional return, but it is not guaranteed and depends on the chosen strategy; usually only the sum insured, or part of it, is guaranteed under the policy terms.
Check the surrender value table before buying: if a long-term policy is cancelled early, you receive the surrender value, not all premiums paid. Most voluntary policies can be cancelled with a premium refund within the 14-day cooling-off period.
Worth knowing: from 1 January 2027, under Federal Law No. 477-FZ of 26 December 2024, a guarantee scheme for life insurance payouts run by the Deposit Insurance Agency (DIA/ASV) comes into force. Until then there is no state guarantee on such policies, so check the insurer's reliability, ratings and early-termination terms before signing.
Key figures and ratings
According to the Bank of Russia, in 2025 the company collected RUB 350.4 billion in premiums and paid RUB 214.9 billion in claims, ranking 2nd among all Russian insurers by premiums with a market share of about 8.8%. In H1 2026 premiums totalled RUB 220.1 billion and claims paid RUB 149.0 billion.
| Indicator | 2025 | H1 2026 |
|---|---|---|
| Gross written premiums | RUB 350.4 billion | RUB 220.1 billion |
| Claims paid | RUB 214.9 billion | RUB 149.0 billion |
| Rank by premiums among Russian insurers | 2 | 3 |
Credit (financial strength) ratings on the national scale for the Russian Federation:
- NKR: AAA.ru, stable outlook (rating action of 02.06.2026)
Contacts and claims
- Phone: +7 (495) 788-09-99
- Website: www.aslife.ru
- Registered address: 15 Likhachyova Ave., premises 2/10, Moscow 115280
When an insured event occurs (death of the insured, disability, injury, a critical illness diagnosis or the maturity of a savings policy), notify the company by phone or via the online account and file a claim. You will usually need the recipient's passport, the policy, medical documents or a death certificate and bank details; heirs also need inheritance documents. The exact list and processing times are set out in the policy terms.
If you disagree with a refusal or the amount paid, first send a written complaint to the insurer. For claims of up to RUB 500,000 you must apply to the Financial Ombudsman before going to court; this is free of charge. You can also file a complaint with the Bank of Russia.
Polis Re specialists can help you compare offers from different insurers and choose a policy that fits your needs: send a request or use the comparison tool. Other market players are listed in our insurance company directory.