About the company
Ingosstrakh-Life Insurance Company LLC is the life insurer of the Ingosstrakh group. It complements the group's universal insurer, Ingosstrakh, with savings plans, life and health protection and group employee cover.
According to the Bank of Russia, Ingosstrakh-Life ranked 20th among all Russian insurers by premiums in 2025 and ninth among life insurers; in H1 2026 it was 18th in the market. Its registered address is on Leningradskoye Highway in Moscow.
Lines of insurance
The main product is single-premium endowment insurance, sold mainly through partner banks. The company also offers term life cover, personal accident insurance, medical programmes and group employee cover (health and accident).
For individuals
For businesses
Key features
Most premiums come through credit institutions, so Ingosstrakh-Life policies are often offered at banks. The company holds Bank of Russia licences SZh No. 3823 and SL No. 3823 dated 1 October 2015. The rating agency highlights the strong financial capacity of its owner, the Ingosstrakh group.
Before signing, check the term, guaranteed return and surrender values. Long-term life insurance contracts (signed from 2025 for at least 10 years) may qualify for the long-term savings tax deduction under Article 219.2 of the Tax Code — check the terms with the insurer.
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 31.3 billion in premiums and paid RUB 26.7 billion in claims, ranking 20th among all Russian insurers by premiums with a market share of about 0.8%. In H1 2026 premiums totalled RUB 24.3 billion and claims paid RUB 12.4 billion.
| Indicator | 2025 | H1 2026 |
|---|---|---|
| Gross written premiums | RUB 31.3 billion | RUB 24.3 billion |
| Claims paid | RUB 26.7 billion | RUB 12.4 billion |
| Rank by premiums among Russian insurers | 20 | 18 |
Credit (financial strength) ratings on the national scale for the Russian Federation:
- Expert RA: ruAAA, stable outlook (rating action of 22.05.2026)
Contacts and claims
- Phone: +7 (495) 921-32-23
- Website: www.lifeingos.ru
- Email: life-info@lifeingos.ru
- Registered address: 16 Leningradskoye Hwy, bldg 9, Moscow 125171
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.