About the company

RB Life Insurance (RB Strakhovanie Zhizni LLC) is a specialist life insurer registered in Moscow in 2006. Its former name is Rosbank Life Insurance LLC. Together with RB Insurance LLC, which handles risk insurance, it operates under the Rosbank Insurance brand.

The main sales channel is bancassurance: customers take out policies when getting loans, opening deposits or buying investment products. Its Bank of Russia licences SZh and SL No. 4079 cover voluntary life insurance and personal insurance other than life. The company submits information on its ownership structure to the Bank of Russia and does not disclose it publicly under a regulator’s decision.

Insurance products

If a borrower life policy was taken out with a loan, you can cancel it during the cooling-off period — at least 14 calendar days from the date of purchase — if no insured event has occurred. If the loan is repaid early, part of the premium under a contract securing the loan is refundable by law.

Before buying an investment plan, ask for the key information document (KID): it briefly states the term, the guaranteed part, possible returns, fees and surrender values. It is easier to compare plans using the KID rather than advertising promises.

Key figures

According to the Bank of Russia, in 2025 the company collected RUB 18.4 billion in premiums and paid out RUB 20.6 billion, ranking 25th in the market (a share of about 0.5%). Payouts exceeded premiums: for a life insurer this usually means that many previously sold endowment and investment contracts reached maturity. In the first half of 2026 — RUB 9.0 billion in premiums and RUB 9.1 billion in payouts (25th place).

Rating and financial strength

On 13.02.2026 ACRA downgraded the company’s credit rating to A+(RU) with a negative outlook. This is still a moderately high level of reliability on the national scale, but the negative outlook means the agency does not rule out a further downgrade. The Expert RA rating was withdrawn in 2025.

The Deposit Insurance Agency (ASV) guarantee scheme for life insurance payouts starts only on 1 January 2027 (Federal Law No. 477-FZ); until then there is no state guarantee on such contracts. When choosing a long-term policy, look at the rating, the guaranteed part of the return and the surrender values.

Contacts and claims

  • Customer support centre: 8 800 700-73-33 (free within Russia), e-mail: help@rsb-ins.ru.
  • Website: rosbankinsurance.ru — claim notification, documents, personal account.
  • Registered address: 27 Vyatskaya Street, bldg. 15, Moscow.

For a borrower policy, notify both the insurer and the lending bank of the insured event: loan payments usually have to continue while the claim is being reviewed. Prepare a claim form, passport, loan agreement, medical documents or death certificate and a bank statement of the outstanding debt. The deadlines and document list are set out in the policy rules.

If the claim is refused, send a written claim, and if the dispute is not resolved, apply to the Financial Ombudsman (free for individuals in disputes of up to RUB 500,000). Learn more in the Insured event section. Compare insurers in the directory or get a policy selection via a request to Polis Re specialists.