About the company
JSC Insurance Company U-Life is a specialist life insurer. It was founded in 2006 and operated as Ugoria-Life before being renamed. Its main lines are voluntary life insurance, accident and sickness insurance, and medical insurance. Products are sold through a network of partner banks across Russia and on the website www.ulife.ru; clients include both individuals and organisations.
The company has been a member of the All-Russian Insurance Association since 2017. Its CEO is Alexey Zakharov.
Types of insurance offered
- Life insurance — savings plans, including plans for children, and income protection plans.
- Critical illness cover — cancer insurance and plans for serious diagnoses.
- Accident insurance, including cover for people who do sport.
- Medical plans — for example, cover for the cold and flu season with telemedicine.
- For employers — employee accident insurance.
Note on guarantees. Under Federal Law No. 477-FZ, guaranteed payouts on life insurance contracts through the Deposit Insurance Agency (ASV) will only be introduced from 1 January 2027. Until then there is no such guarantee, so when choosing a long-term or savings plan it is worth assessing the reliability of the insurer itself: its size, credit rating and surrender value terms.
Key figures
According to the Bank of Russia, in 2025 U-Life collected RUB 5.7 billion in insurance premiums and paid out RUB 5.1 billion, ranking 41st in the market by premiums. In the first half of 2026 it collected RUB 2.1 billion and paid out RUB 3 billion (ranked 48th). Large payouts are normal for a life insurer, as they include maturity payments on savings contracts.
The National Rating Agency (NRA) rates the company A+|ru| with a stable outlook (affirmed in December 2025). Bank of Russia licences: SZh No. 4014 and SL No. 4014.
Contacts and claims
Hotline: 8 800 770-07-00 (free within Russia); email: mail@ulife.ru. In the online account on the website you can view your contracts, pay premiums and submit applications.
If an insured event occurs, notify the company within the period set out in the policy terms and prepare the documents: passport, contract, medical certificates or a death certificate (for heirs and beneficiaries). After buying a voluntary policy you have a 14-calendar-day cooling-off period during which you can cancel the contract and get your premium back.
If you disagree with a claim decision, first send the insurer a written complaint. For individuals, disputes of up to RUB 500,000 must go to the Financial Ombudsman before court.
You can compare life insurers in the insurance company catalogue or ask Polis Re specialists to help choose a policy.