About the company
RESO-Garantia Life Insurance Company LLC was set up in 2006. It is wholly owned by SAO RESO-Garantia, the parent company of the RESO insurance group (see the RESO-Garantia profile). Since 2017 the company has been a member of the All-Russian Insurance Association.
It holds Bank of Russia licences SZh No. 4008 and SL No. 4008 dated 18.10.2017 for voluntary life insurance and voluntary personal insurance. In February 2024 the Bank of Russia revoked its licence for compulsory state life and health insurance of military personnel (order OD-234 of 13.02.2024) after the company gave up this activity. This does not affect voluntary life insurance.
Types of insurance offered
- savings (endowment) life insurance — the company's main "Capital and Protection" programme combines saving towards a chosen date with protection in case of the insured person's death;
- accident and sickness insurance, including for employees;
- personal insurance under corporate programmes, including medical risks.
OSAGO, KASKO and property insurance in the group are provided by SAO RESO-Garantia.
Important for life insurance clients: a guarantee of life insurance payouts by the Deposit Insurance Agency (DIA/ASV) is introduced by Law No. 477-FZ of 26.12.2024 and takes effect on 1 January 2027. Until then there is no DIA guarantee for life insurance, so when choosing a savings plan it is worth assessing the reliability of the insurer itself.
Key figures
According to Bank of Russia data for 2025, the company collected RUB 503 million in insurance premiums and paid out RUB 667 million, ranking 76th among Russian insurers by premium volume. In the first half of 2026, premiums amounted to RUB 507 million and payouts to RUB 302 million (69th place for the half-year).
In 2025 payouts exceeded premiums — for a savings life insurer this usually reflects contracts reaching maturity and paying out accumulated savings.
The company has no active financial strength rating of its own (its NCR rating was withdrawn in 2021). The ratings mentioned on its website belong to the parent company SAO RESO-Garantia.
How to get in touch and file a claim
Call centre: +7 (495) 730-30-00 and 8 800 234-18-02 (toll-free). E-mail: mail@reso.ru, website: reso-life.ru (with a client account). Address: 6 Nagorny Proezd, bldg. 8, Moscow; open Monday to Friday 8:30–20:30, Saturday 9:00–18:00, Sunday 10:00–17:00.
If an insured event occurs, notify the insurer via the call centre and prepare the documents listed in the rules: the policy, an identity document, medical records and, for a death claim, the death certificate. When a contract matures, the savings are paid out upon the policyholder's application. In a dispute, you can apply to the Financial Ombudsman.
To compare insurers, use the Polis Re insurance company directory; to find a policy that fits your needs, send a request to Polis Re specialists.