About the company
Soglasie-Vita (Soglasie-Vita Insurance Company LLC) is a specialist life insurer wholly owned by Insurance Company Soglasie LLC. It has operated since 2000 and belongs to one insurance group with Soglasie: Soglasie-Vita policies can be bought on its website, through agents and partners, and in Soglasie offices across Russia.
Its Bank of Russia licences SZh and SL No. 3511 (of 27.03.2015) cover voluntary life insurance and personal insurance other than life. According to the company, it has offered life insurance against death and survival, annuities and with-profits insurance since 2001, and pension insurance since 2012.
Insurance products
- Life insurance — endowment plans (to a set date or age), investment plans with profit participation, pension insurance and annuities.
- Accident and illness insurance — benefits for injury, disability and hospitalisation.
- Critical illness insurance — financial support on diagnosis of a serious illness.
- Medical insurance, including medical cover in travel insurance.
- For employers — employee accident insurance.
Pension insurance and annuities suit those who want regular payments after retirement. When choosing such a plan, look at the guaranteed annuity amount, how savings are inherited and how payments are indexed. 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.
How to choose between an endowment and an investment plan? Endowment life insurance (NSZh) gives a known guaranteed sum at maturity and suits a specific goal — children’s education or a major purchase. Investment-linked insurance (ISZh) usually guarantees only the return of premiums, and any extra income depends on the market. In both cases early termination in the first years is unfavourable: the surrender value is lower than the premiums paid.
Key figures
According to the Bank of Russia, in 2025 Soglasie-Vita collected RUB 8.6 billion in premiums and paid out RUB 2.9 billion, ranking 34th in the insurance market (a share of about 0.2%). In the first half of 2026 — RUB 4.1 billion in premiums and RUB 2.7 billion in payouts (37th place).
Rating and financial strength
The agency NKR (National Credit Ratings) has assigned the company a credit rating of AA.ru with a stable outlook (16.04.2026) — a high level of creditworthiness on NKR’s scale.
Remember: the Deposit Insurance Agency (ASV) guarantee scheme for life insurance payouts is introduced by Federal Law No. 477-FZ and will start only on 1 January 2027. Until then there is no state guarantee on life insurance contracts, so assess the insurer’s reliability yourself — by its rating, financial statements and contract terms, including surrender values.
Contacts and claims
- Hotline: 8 800 707-93-69 (free within Russia), e-mail: info@soglasie-vita.ru.
- Website: www.soglasie-vita.ru — policy purchase, disclosures, complaints procedure.
- Head office: 42 Gilyarovskogo Street, Moscow.
When an insured event occurs, submit a claim with the documents: passport, contract, medical records (for injury or illness), the death certificate and documents proving entitlement (if the claim is made by a beneficiary or heir). Claims can be filed through Soglasie offices. Processing times are set out in the policy rules.
If you disagree with the decision, send a written claim and then apply to the Financial Ombudsman — free for individuals in disputes of up to RUB 500,000. Learn more in the Insured event section. The company directory helps compare life insurers, and a request to Polis Re specialists helps choose a plan.