About the company
Renaissance Life Insurance Company LLC has operated in the life and health insurance market since 2004. Its parent company is Renaissance Insurance Group PJSC, which writes property and health insurance (Renaissance Insurance).
According to the Bank of Russia, Renaissance Life ranked ninth among all Russian insurers by premiums in 2025, and fifth among life insurers in H1 2026. Its registered address is on Krylatskaya Street in Moscow.
Lines of insurance
The key product is single-premium endowment insurance, sold mainly through partner banks. The company also offers investment and risk plans, borrower life cover including for mortgages, personal accident insurance and medical plans.
For individuals
For businesses
You can get an indicative price in our calculators for mortgage insurance; the final premium is set by the insurer.
Key features
Most premiums come through the bank channel, so Renaissance Life policies are often offered at bank branches when customers place their savings. Before signing, check the term, guaranteed return and surrender values: cancelling a long-term policy early usually means losing part of the premiums.
The company holds Bank of Russia licences SZh No. 3972 and SL No. 3972. 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 129.6 billion in premiums and paid RUB 80.6 billion in claims, ranking 9th among all Russian insurers by premiums with a market share of about 3.3%. In H1 2026 premiums totalled RUB 64.3 billion and claims paid RUB 37.0 billion.
| Indicator | 2025 | H1 2026 |
|---|---|---|
| Gross written premiums | RUB 129.6 billion | RUB 64.3 billion |
| Claims paid | RUB 80.6 billion | RUB 37.0 billion |
| Rank by premiums among Russian insurers | 9 | 11 |
Credit (financial strength) ratings on the national scale for the Russian Federation:
- Expert RA: ruAA, stable outlook (rating action of 28.09.2026)
Contacts and claims
- Phone: 8 800 333-29-81 (toll-free in Russia)
- Website: www.renlife.ru
- Email: info@renlife.com
- Registered address: 17 Krylatskaya St., bldg 1, Moscow 121614
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.