About the company
Rosgosstrakh Life Insurance Company LLC is the life insurance arm of the Rosgosstrakh group. It complements the group's universal insurer, Rosgosstrakh, with savings, investment and life and health protection plans for individuals and employers.
According to the Bank of Russia, Rosgosstrakh Life ranked eighth among all Russian insurers by premiums in 2025 and rose to sixth in H1 2026. The company is registered on Kievskaya Street in Moscow, at the same address as Rosgosstrakh.
Lines of insurance
The company offers savings and investment life insurance, protection plans covering death, disability and injury, personal accident insurance, and group schemes for employees. Motor and property cover within the group is provided by Rosgosstrakh.
For individuals
For businesses
Key features
Rosgosstrakh Life operates under Bank of Russia licences SZh No. 3879 and SL No. 3879 dated 25 March 2021. Savings and investment policies run for several years; if cancelled early, only the surrender value is paid, so choose the term and conditions in advance. Most voluntary policies can be cancelled with a premium refund within the 14-day cooling-off period.
The company's current rating is from NKR, with a positive outlook. 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 142.2 billion in premiums and paid RUB 36.3 billion in claims, ranking 8th among all Russian insurers by premiums with a market share of about 3.6%. In H1 2026 premiums totalled RUB 93.6 billion and claims paid RUB 32.5 billion.
| Indicator | 2025 | H1 2026 |
|---|---|---|
| Gross written premiums | RUB 142.2 billion | RUB 93.6 billion |
| Claims paid | RUB 36.3 billion | RUB 32.5 billion |
| Rank by premiums among Russian insurers | 8 | 6 |
Credit (financial strength) ratings on the national scale for the Russian Federation:
- NKR: AA+.ru, positive outlook (rating action of 28.04.2026)
Contacts and claims
- Phone: 8 800 100-12-10 (toll-free in Russia)
- Website: rgsl.ru
- Email: info@rgsl.ru
- Registered address: 7 Kievskaya St., bldg 1, Moscow 121059
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.