About the company
RSHB-Life Insurance LLC was founded in 2017 and belongs to the Rosselkhozbank (Russian Agricultural Bank) group; its sole participant is RSHB-Insurance JSC. The company specialises in life and health insurance for bank customers and employers.
According to the Bank of Russia, RSHB-Life ranked 18th among all Russian insurers by premiums in 2025 and moved up to 15th in H1 2026. Its registered address is on Gagarinsky Lane in Moscow.
Lines of insurance
The main specialisation is endowment life insurance. The company also offers personal accident and illness cover, critical illness protection and health insurance, including group schemes for employees. It stopped selling investment-linked life insurance (ISZh) from 1 January 2026.
For individuals
For businesses
Key features
The main sales channel is the bank: policies are sold in Rosselkhozbank branches. The company holds Bank of Russia licences SZh No. 4358 and SL No. 4358 dated 23 December 2024. Property insurance within the group is written by RSHB-Insurance JSC.
Before buying a savings plan at the bank, 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 41.3 billion in premiums and paid RUB 25.4 billion in claims, ranking 18th among all Russian insurers by premiums with a market share of about 1.0%. In H1 2026 premiums totalled RUB 28.6 billion and claims paid RUB 16.8 billion.
| Indicator | 2025 | H1 2026 |
|---|---|---|
| Gross written premiums | RUB 41.3 billion | RUB 28.6 billion |
| Claims paid | RUB 25.4 billion | RUB 16.8 billion |
| Rank by premiums among Russian insurers | 18 | 15 |
Credit (financial strength) ratings on the national scale for the Russian Federation:
- NRA: AA|ru|, stable outlook (rating action of 10.09.2026)
Contacts and claims
- Phone: 8 800 500-87-78 (toll-free in Russia)
- Website: rshbins-life.ru
- Email: info@rshbins-life.ru
- Registered address: 3 Gagarinsky Lane, Moscow 119034
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.