About the company

ATON Life (Insurance Company ATON Life LLC) is a specialist life insurer registered in Moscow in 2024. Its Bank of Russia licences SZh and SL No. 4408 were obtained on 29.11.2024 and cover voluntary life insurance and personal insurance other than life. The company’s office is on Paveletskaya Square.

The company is young and there is little public information about it so far: its website mainly provides contact details. That is why, before signing a contract, it is especially important to study the documents yourself — the policy rules, the key information document and the terms of the specific plan.

Insurance products

The company’s profile is life insurance. Insurers with this licence typically offer:

  • investment-linked plans with a single premium, where the return depends on the chosen strategy;
  • endowment plans with a guaranteed sum at maturity;
  • plans with regular payments (annuities) and protection in case of the insured person’s death.

The SL licence also allows the company to offer accident and illness insurance — as a stand-alone product or a rider. Check the specific product range with the company.

Key figures

According to the Bank of Russia, in 2025 — its first full year of operation — ATON Life collected RUB 6.9 billion in premiums and paid out RUB 99 million, ranking 38th in the insurance market (a share of about 0.2%). In the first half of 2026 premiums were RUB 1.4 billion and payouts RUB 183 million (52nd place).

Small payouts alongside significant premiums are understandable: the long-term life contracts were signed recently and have not yet matured. Large swings in premiums from period to period are typical of insurers selling plans with large single premiums.

Rating and financial strength

As of October 2026 the company has no ratings from Expert RA, ACRA, NKR or NRA. Having no rating is common for a new company, but it means there is no independent assessment of its reliability yet.

Also note: the Deposit Insurance Agency (ASV) guarantee scheme for life insurance payouts is introduced by Federal Law No. 477-FZ and will start only on 1 January 2027. Until then there is no state guarantee on life insurance contracts.

How to check a life insurer before buying

  • Make sure the licence is valid: the information is in the register of insurance entities on the Bank of Russia website.
  • Ask for the key information document (KID) and check the guaranteed part of the return, fees and surrender values by year.
  • Check who the beneficiary is and how they are named in the contract: if no beneficiary is named, on the insured person’s death the payout becomes part of the estate.
  • Check the currency of the contract and how the return is calculated.
  • Do not decide under pressure: you have a cooling-off period of at least 14 calendar days to cancel the contract and get your premium back.
  • Compare the terms with other companies’ plans in the insurer directory.

Contacts and claims

  • Phone: +7 (495) 899-10-00, e-mail: mail@atonlife.ru.
  • Website: www.atonlife.ru.
  • Address: 2 Paveletskaya Square, bldg. 2, Moscow.

To receive a payout, submit a written claim with the documents listed in the rules of your plan. If the company refuses or delays the review, send a written claim and then apply to the Financial Ombudsman — free for individuals in disputes of up to RUB 500,000. Learn more in the Insured event section. Polis Re specialists can help you choose a life insurance plan from companies with confirmed financial strength — submit a request.