About the company
T-Insurance of the Future LLC is the life insurer of the T-Bank group. It received Bank of Russia licences for life insurance (SZh No. 4405) and other personal insurance (SL No. 4405) on 1 July 2024 and quickly became one of the larger market players. Property insurance, OSAGO and KASKO within the group are offered by T-Insurance.
According to the Bank of Russia, the company ranked 17th among all Russian insurers by premiums in 2025 and 19th in H1 2026. Its registered address is on 2nd Khutorskaya Street in Moscow, the same as T-Insurance.
Lines of insurance
The company offers life insurance plans covering death and survival as well as savings plans, plus personal accident and illness cover for individuals and employees. Policies are sold mainly through T-Bank services.
For individuals
For businesses
Key features
The company is young: its licences were issued in 2024, so it does not yet have a long claims record. Assess its reliability by its Bank of Russia licence, its membership of the T-Bank group and the financial statements insurers are required to publish. Policies are easy to buy and manage online, but study the terms and exclusions before paying.
Most voluntary policies can be cancelled with a premium refund within the 14-day cooling-off period. 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 46.1 billion in premiums and paid RUB 13.4 billion in claims, ranking 17th among all Russian insurers by premiums with a market share of about 1.2%. In H1 2026 premiums totalled RUB 20.4 billion and claims paid RUB 10.3 billion.
| Indicator | 2025 | H1 2026 |
|---|---|---|
| Gross written premiums | RUB 46.1 billion | RUB 20.4 billion |
| Claims paid | RUB 13.4 billion | RUB 10.3 billion |
| Rank by premiums among Russian insurers | 17 | 19 |
As of October 2026 the company holds no active financial strength ratings from the Russian agencies Expert RA, ACRA, NKR or NRA. To assess reliability, look at its Bank of Russia licence, its group affiliation and the financial statements it publishes.
Contacts and claims
- Phone: +7 (495) 134-20-59
- Website: www.tinsurancefuture.ru
- Email: info@tinsurancefuture.ru
- Registered address: 38A 2nd Khutorskaya St., bldg 26, Moscow 127287
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.