1. Why are endowment life insurance programs more profitable than bank deposits or educational loans?

Insurance programs from RGS Life, as well as bank deposits, allow you to receive additional income. The main advantage of accumulative life insurance programs is insurance coverage for the entire duration of the contract. This means that if during the term of the contract the client is injured or seriously ill, he is paid money - and not from his personal savings, but entirely at the expense of the company. If you have entered into a long-term contract with RGS Life, then regardless of the number of payments received for injuries, the amount and contributions under the contract will remain unchanged. They are determined at the time of the conclusion of the contract.

2. How do insurance programs protect savings from inflation?

If real inflation is taken into account, then fixed income instruments can carry a hidden loss. RGS Life programs have potentially unlimited returns, but, unlike stocks, they guarantee a return on investment in the event of negative dynamics. All accumulative programs "RGS Life" are protected from inflation. First, you have the opportunity to participate in the insurance company's investment income. Secondly, you can include an additional condition “Insurance premium indexation” in your insurance policy. In addition, by entering into a long-term life insurance contract, you can qualify for a tax deduction.

3. From when and where is the insurance policy valid?

The insurance contract shall enter into force on the day following the date of its conclusion. However, individual risk coverage may take effect at a later date if specified in the contract. Your RGS Life insurance policy is valid all over the world, except for territories where a state of emergency has been declared or hostilities are taking place.

4. Under what conditions is it possible to cancel the insurance contract?

You can terminate the insurance contract early by submitting a written application. At the same time, the insurance contract provides for a period of up to two years, during which the redemption amount is not paid under it. If the insurance contract has been paid for more than two years, then the redemption amount is returned to you within the limits of the formed reserve on the day the contract is terminated. The redemption amount is specified at the conclusion of the contract.

5. What is the cooling period and what opportunities does it give the insured?

The cooling period is 5 business days from the date of conclusion of the insurance contract, during which you have the right to withdraw from the contract and receive a refund of the paid insurance premium. To do this, the holder of the insurance policy within the specified period must send a written application to the address of "RGS-Life" about the cancellation of the insurance contract. A prerequisite for the return is the absence of events that have signs of an insured event.

6. Who will get the savings and payout under the life insurance policy in the event of a divorce?

All accumulated savings and payment under a life insurance policy are not subject to division in the event of a divorce - this is guaranteed by Article 34 of the Family Code of the Russian Federation. In addition, the insurance policy is not property and is not subject to confiscation by a court decision (Article 934 of the Civil Code of the Russian Federation).

7. Can relatives sue the payment if people of my choice receive it?

The recipient of payments under the insurance policy is the person appointed by you - the Beneficiary (guaranteed by Article 934 of the Civil Code of the Russian Federation).

8. How do I get a life insurance tax deduction?

Since 2015, all clients who have signed long-term voluntary life insurance contracts (at least 5 years) can apply for a social tax deduction, provided that contributions are paid in 2015 and later. You can apply for a tax deduction in several ways - independently submit documents to the tax office or receive a benefit at the place of work. Also, a tax deduction can be issued online using the electronic service "RGS Life. Tax": https://nalog.rgslife.ru/

9. Can I manage my insurance program online?

The personal account of the RGS Life client - https://life.rgs.ru/life_cabinet/ - makes it possible to comfortably interact with the company online during the entire period of validity of the insurance policy. With the help of an individual customer account, you can make changes to the insurance contract, receive information about current and special promotions and events, order a call back for a consultation, clarify the necessary actions in case of an insured event, and much more.

The largest insurance company in Russia, Rosgosstrakh, is all types of insurance that protect the well-being of people in difficult situations. The company actively promotes online insurance and, in addition to it, offers such a relevant service as the Rosgosstrakh personal account.

New customers can register in their personal account and order insurance through it, existing customers get direct access to the management of the services they use.

The personal account of Rosgosstrakh for clients of the Insurance program includes sections:

My profile. Data about the client with the possibility of editing, password replacement, for organizations - setting up an electronic signature.
Offers(for individuals). Exclusive promotions, discounts.
My insurances. List of used insurance products.
My orders. Sent insurance applications and their status.
Get insured. Products for online ordering, registration of applications for insurance programs.
Insurance case. Submission of a preliminary application for an insured event and review of the status of the payment case.

A universal personal account for clients is also available through the Rosgosstrakh mobile application. The application is compatible with mobile devices running on iOS 8.1 and above and Android 4.3 and above, and is equipped with additional functionality:

Service "Emergency button" for quick access to information on an insured event.
Search for offices - location, work schedule, phones, building routes from the current location.

If you go to the official website of Rosgosstrakh and click on the red button "Personal account", a drop-down list of links to personal accounts for participants in different programs will open. For clients of the "Insurance" program, the first link is intended.

Individuals and company representatives enter the personal account of Rosgosstrakh from one page, but by selecting different tabs. For authorization, the username, which is the email address, and the password are used.

Individuals additionally have access to the client's account through an existing account in the ESIA. To do this, on the login page below the "Login" button, there is a button "Login via ESIA". When you click it, the State Services website will open, through which you need to perform authorization. The website of the insurance company will receive a response from the ESIA and the user will be in the Rosgosstrakh client account.

Registration in your personal account occurs through his first visit. The user enters an email and clicks the "Get password" button, after which a temporary password is sent to him by mail. In your personal account, it is recommended to replace the temporary password with a self-selected one. You can always recover your password through a temporary one.

When you first enter your personal account, to access its sections, you must fill out:

How to log in to your personal account on the RGS life website

If a person wants to protect himself and save money at the same time, he can take part in the accumulative insurance program. Using the service, a person must start making payments in accordance with the terms of the contract. When the period fixed in the agreement expires, the citizen will be able to receive a payment that can be directed to any purpose. If a person takes part in the CSG life, a personal login account will help him manage the transferred funds online. The service greatly simplifies the interaction with the insurer.

If a person decides to start using CSG Life, there are two ways to log into your personal account. Actions can be carried out using the official website of the company or the Rosgosstrakh life application.

If you choose the first method, you do not have to install additional software. The citizen will have to do the following:

Go to the official resource of the company.
Go to the "Personal Account" section.
Enter your username and password, and click on the “Login” button.

If a person is a new user, you will need to first complete the registration procedure, indicating personal data. To do this, click on the inscription “get login and password”, and then follow the prompts of the system.

The Rosgosstrakh life application will need to be installed. The action can be performed by going to the official app store available on the mobile device that the citizen uses. Then you will have to download the program and wait until the system completes the installation. The application icon will appear in the device menu. By clicking on it, a person will be able to enter the program and start using it. To access the features of the application, you will need to register first.

The possibility of remote use of Rosgosstrakh services greatly simplifies interaction with the company. By managing the connected service online, a citizen can significantly save time. To access your personal account, you will need to go through the registration procedure. It is not difficult and can be performed by a citizen independently. If a person encounters problems in the process of performing an action, he can contact the company representatives by contacting the support service employees.

RGS-Life - what is it? "Rosgosstrakh Life"

The choice of an insurance company often determines the successful experience in resolving insured events. This is what sets RGS-Life apart. What it is? Let's figure it out in this article.

LLC Insurance Company Rosgosstrakh-Life is one of the leaders in the market for providing life insurance services. 95 years of experience and a responsible approach to work allow us to stay in the top positions of the all-Russian rating of insurance companies. Positive feedback from satisfied customers and a wide range of services distinguish the company from competitors.

More than 1 million individuals are clients. Companies in the "small and medium business" sector also often choose "RGS-Life" as a partner.

The main principle of mutually beneficial coexistence between the client and the company is trust and transparency of actions. It is this rule that Rosgosstrakh is guided by and places its accounting and financial statements in the public domain. You can get acquainted with it on the official website of RGS-life - rgs.ru (life cabinet).

"Rosgosstrakh" is a major provider of insurance services in all areas of activity, both individuals and legal entities. It's time to get to know RGS-Life in more detail. What it is? The company specializes in life and health insurance and includes the following types:

Cumulative insurance.
Critical illness insurance.
Investment insurance.
Accident insurance.
Funeral insurance.

The variety and flexibility of programs will allow you to choose a service for even the most whimsical client.

Cumulative life insurance

Allows you to save money and maintain financial stability in the event of loss of life or health. Guaranteed contributions will allow you to accumulate the necessary amount, which you can receive at the end of the contract. Such a policy can be purchased as a gift to loved ones or to protect your future. It is enough to find a personal account on the RGS-Life website.

The accumulation period for this product reaches 40 years. There are several types of endowment insurance:

Each has its own key features, terms of savings and mechanisms of work.

Critical Illness Insurance

Most insurance companies refuse to provide services to people with severe and chronic diseases. "RGS-Life", on the contrary, offers clients over 35 to invest their accumulated funds in the treatment of serious diseases. At RGS-Life, the personal account is very convenient to use and all information can be obtained there.

Often, the lack of state funding and the inability to pay for expensive treatment out of one's own pocket decide the fate of a person. RGS-Life offers its support on mutually beneficial terms.

Consider investment insurance RGS-Life. What it is is not difficult to understand. Investing in the stock market is a new and growing way to make money. Rosgosstrakh proposes to do the same. Invest and get double or even triple profit with the growth of quotes.

The fall of the stock market will not affect investments in any way, you will receive your funds in full. Thus, the client receives not only insurance protection for his life and health, but also the opportunity to save money and make his dreams come true.

Accident insurance

The classic form of insurance, which is especially popular. "RSG-Life" allows you to choose the amount of insurance compensation, provides an opportunity to insure for up to 30 years, purchase a policy as a gift.

Successful many years of experience in dealing with insured events allows the company to guarantee honesty and transparency in the preparation of contracts.

Timely planning of expenses at the end of life will help maintain the financial stability of your loved ones. Also, you will be sure of the intended use of the accumulated funds.

The contract is executed for life and is valid on the territory of the entire globe. Product design is available to everyone, without exception, regardless of religion and health status.

When drawing up an insurance contract, it is important to pay attention to some points:

Sum insured. These are the funds that you will receive as a result of an insured event or at the end of the insurance contract. Please note that what you want is valid.

Insurance premiums. It is important that the amounts contributed are affordable for your earnings and do not affect the quality of life. There are different options for depositing funds: monthly, quarterly, lump sum.
Terms of the contract. Please note that the longer the term, the more favorable the conditions.

Do not hesitate to ask when filling out and signing papers. Remember, there are no stupid questions, there are stupid answers. Clarify all the nuances and reduce all doubts and misunderstandings to nothing. A high-quality financial service implies full awareness and the absence of "pitfalls". On the official website of the company RGS-Life rgs.ru life cabinet is available 24 hours a day. All information will be there.

The use of remote access channels allows unloading sales offices and frees the client from the need to spend a lot of time in queues. Rosgosstrakh uses the two most common methods: a free hotline and an online client account.

An undoubted advantage in the work of the RGS-Life insurance company is the use of the client's personal account. Multifunctionality and a simple interface - these are the distinguishing features of the Life-RGS service - life cabinet.

Through a personal account, RGS-Life clients can:

obtain information on existing policies;
make changes, if necessary;
declare the occurrence of an insured event;
track the status of the application in the event of an insured event.

The free hotline of Rosgosstrakh also provides all the necessary information assistance to its customers. Round-the-clock operation and a sufficient number of operators make this channel accessible and convenient to use.

Life and financial stability insurance is a modern way to protect yourself and your loved ones and accumulate the necessary amount. You need to adapt to the modern world and learn financial literacy in order to properly use the opportunities provided. We got acquainted with the company RGS-Life. What is it, it became more clear.

Rosgosstrakh personal account is a personal page of a Russian citizen on the official website of the largest insurance company in the country. It provides all types of insurance online, as well as the management of additional services. Rosgosstrakh personal account is an integral relevant service of the organization, where registered customers can order insurance, follow the company's news, and calculate the amount of insurance in an online calculator.

Enter Rosgosstrakh personal account will be obtained directly through the company's website, or through the ESIA (Gosuslugi portal). Login through the official web portal is carried out as follows: the user enters the main page of the site, finds the "Personal Account" button in the upper right corner of the screen, clicks on it once. An authorization window will open. You can also enter your personal account using a direct link.

The main page has a login window with empty cells and hints. If the registered user is a natural person, he immediately indicates personal data. If it is a legal entity, it ticks the box that says "Check if you are a legal entity." Next, select the desired option "I already have a password" or "I do not have a password yet."

For those who chose the first option, an email address and a password are required. Click the button "Restore password" if it is forgotten or lost. In case of successful indication of data for authorization, a checkmark is placed next to the text "Authentic consent to the transfer of personal data". By this agreement, the client of the company confirms that he is familiar with the terms of the user agreement. After that, it remains to click the gray "Login" button.

If a citizen selects the “I don’t have a password yet” tab, the authorization process is similar. First, enter the email address and mobile phone number. Then consent to the transfer of personal data is noted, and the final procedure is pressing the "Get a temporary password" button. It will be sent through the SMS notification system to the phone number specified during registration.

The received password is written in an empty cell, and the "Login" button is pressed. Authorization through the Rosgosstrakh website is completed. If the user wants to enter through the web resource of the company "Gosuslugi", he presses the key "LOG IN THROUGH ESIA (PUBLIC SERVICES)" . The system will automatically redirect to another site.

You can enter Rosgosstrakh personal account through mobile app . The application page is on the official website of the company, as well as links to download it for Android and iOS. Authorization from the mobile application requires the same data as for the computer version.

Rosgosstrakh personal account, online account opportunities

A list of sections is available in the online account, where a range of all company services is implemented. Some of the sections relate to personal information about the client of the company, the other part - to the functionality. The program algorithm is comfortable enough to understand and navigate, so any user can handle it.

Sections of the personal account, their capabilities:

Profile - in this section all personal data of the client is recorded. He can edit them, change passwords and set up an electronic signature.
Offers - the rubric is intended for private clients, it contains information about promotions and discounts of the insurance company.
Insurances – currently used insurance policies.
Orders – management of insurance claims.
Get insured - filling out an application for insurance in a remote format.
Insured event - here, applications are submitted about an insured event that has occurred, with information about the status of the due payments.
Search for offices - addresses of branches of the insurance organization in your region and city, their work schedule.

In turn, the service provides a range of additional services for all registered and authorized customers. Rosgosstrakh personal account works around the clock, subject to the stable operation of the Internet on the device. Additional functions personal account:

Ability to view insurance and bank deposits - interest accrual, withdrawal and transfer of funds to accounts, opening new accounts;
Card management - opening, closing, blocking, setting a limit on cards;
Loan repayment - setting reminders about the repayment date, setting up regular transfers from the card to pay off the loan;
Payment of utility services.

Purchase of electronic OSAGO in the Rosgosstrakh profile

The authorization process in your personal account is a confirmation of the registration of a citizen who bought an insurance policy from Rosgosstrakh. However, the purchase process is carried out in several steps, and requires the presence of identification documents. For example, to make a purchase of electronic OSAGO in the company Rosgosstrakh you need to follow the instructions:

Register a personal account on the site.
Indicate information on the vehicle, owner and drivers.
Calculate OSAGO in the online calculator.
Make a payment with a bank card.
Receive a policy by email.
Starts printing the document on your printer.

After filling out the online questionnaire, the data is sent to the PCA for verification. If there are no errors in the system database, the user will be prompted to pay the insurance premium. If the data check in PCA was not successful, an error was found in the system - then the service will recommend downloading the scanned pages of documents. Such a document can be a passport (its copy), driver's license. After loading in the electronic form window, the option is pressed Submit Documents for Review.

After 20 minutes, an employee of the company will make an incoming call to the client's phone and inform about the result of the check. Also, an email will be sent to the email address with the result of the verification and a link to make a payment. Again, you will need to log in to your personal account, follow the link in the letter, and after payment receive OSAGO insurance.

Rosgosstrakh registration of the OSAGO policy online, video:

Advantages of insurances created through Rosgosstrakh personal account

Insurance policies issued through a personal account have unconditional advantages. The main prerogative remote and qualified service without having to visit the company's office. All operations are performed without a queue. All that is required at hand is documents, personal devices and an Internet connection. Secondary benefits of online insurance:

The client will not need to go to the office for a paper document or call a courier at home. After payment through your personal account, insurance will be sent to your email in PDF format.
An electronic insurance policy can be printed from your computer, saved on your computer or left in the "Inbox" folder on the email server.
When buying insurance online, discounts are often offered for additional services.
In your personal account, the status of insurance is quickly checked.
There is no need to arrange additional and unnecessary insurance services - the user orders and pays only for what is necessary.
You can issue an insurance policy through your personal account at any time of the day.

The choice of an insurance company often determines the successful experience in resolving insured events. This is what sets RGS-Life apart. What it is? Let's figure it out in this article.

Basic information

More than 1 million individuals are clients. Companies in the "small and medium business" sector also often choose "RGS-Life" as a partner.

Services

Cumulative insurance.
Critical illness insurance.
Investment insurance.
Accident insurance.
Funeral insurance.

The variety and flexibility of programs will allow you to choose a service for even the most whimsical client.

Cumulative life insurance

The accumulation period for this product reaches 40 years. There are several types of endowment insurance:

family;
children;
saving;
prestige.

Each has its own key features, terms of savings and mechanisms of work.

Critical Illness Insurance

Often, the lack of state funding and the inability to pay for expensive treatment out of one's own pocket decide the fate of a person. RGS-Life offers its support on mutually beneficial terms.

Investment insurance

Accident insurance

Successful many years of experience in dealing with insured events allows the company to guarantee honesty and transparency in the preparation of contracts.

Funeral insurance

Timely planning of expenses at the end of life will help maintain the financial stability of your loved ones. Also, you will be sure of the intended use of the accumulated funds.

The contract is executed for life and is valid on the territory of the entire globe. Product design is available to everyone, without exception, regardless of religion and health status.

RGS-Life - contract

When drawing up an insurance contract, it is important to pay attention to some points:

Sum insured. These are the funds that you will receive as a result of an insured event or at the end of the insurance contract. Please note that what you want is valid.

Insurance premiums. It is important that the amounts contributed are affordable for your earnings and do not affect the quality of life. There are different options for depositing funds: monthly, quarterly, lump sum.
Terms of the contract. Please note that the longer the term, the more favorable the conditions.

Remote Access Channels

Through a personal account, RGS-Life clients can:

obtain information on existing policies;
make changes, if necessary;
declare the occurrence of an insured event;
track the status of the application in the event of an insured event.

In 2017, when I came to the Russian Capital bank, I wanted to re-register my deposit for a new one. I asked the manager to acquaint me with the available deposits. To which she advised me CONTRIBUTION with a bonus from Rosgosstrakh - life insurance with investment in one of the industries of my choice. I emphasize - the whole conversation was about interest-bearing deposits, and not about insurance. Due to inexperience, it was the 2nd trip to the bank to open a deposit, I agreed. Only later did I realize my mistake, but it was too late to change anything, even the fact that at the time of the conclusion of the contract I was on the list of groups with whom the contract could not be concluded (I notified the manager about this!) did not change anything - the hotline she said that the contract should be terminated, the employees of Rosgosstrakh - that everything is in order, we have accepted obligations and everything is in force and the contract is not subject to termination.

For 3 years, reports came, and each time one to one amount of investment savings, only pharmaceutical companies changed places, and the amounts were the same. And the amounts were scanty - and this is in pharmaceuticals !!! The last report came that my 150 thousand rubles. for 3 years, 4,197 rubles came running, despite the fact that the same money in the Russian capital bank turned out 17 thousand in a year !! As a result, at the end of the contract, 150,851 rubles came))))))) We came to the account on time - I'm already glad, having read the reviews of other participants in this company here. It is a pity that these reviews are not read before coming to the bank, and people who are ignorant of such frauds become deceived and misled. The contract itself is designed for 3 years, but in fact more by 21 days + the time for consideration of documents at the end of the contract is 24 working days (that is, another 45 days they turn the money in their favor!). And everywhere unsubscribes - that this is not a guaranteed income, because. the market is not stable! I do not recommend dealing with this office!

Portal administrator 05.03.2020 12:23

Capital Life 27.02.2020 16:33

Good afternoon!

In response to your feedback, we would like to inform you that on January 9, 2017, you concluded a life insurance contract at the office of JSCB Russian Capital. Before signing the documents, the client has the opportunity to assess the need to conclude an insurance contract. In addition, if the client needs time to familiarize himself with the terms of the insurance contract or consult with relatives, then in accordance with the current legislation, a period of 5 working days is provided (for the date of conclusion of your contract), during which you can contact the company, cancel the contract and return the paid insurance premium. Therefore, the company had no reason to assume that any conditions were not known or understood to you.
Thus, at the conclusion of the contract, the company accepted you for insurance, therefore, assumed obligations for insurance risks included in the terms of the contract.
Having studied your appeal received by the company on 05/03/2018 and assessing the risks that the company may have in connection with the information provided by you, we decided on the possibility of fulfilling our obligations under the contract further.
In the event of an insured event, the issue of insurance payment would be considered in accordance with the terms of the contract concluded by you. At the same time, you did not provide any documents confirming that you could not be accepted for insurance.
It is also important to understand that the profitability of any investment instrument depends, among other things, on the underlying value: the lower the value of the underlying asset upon purchase, the higher the final yield will be if it grows at the end of the contract and vice versa. For this reason, the terms of the contract do not provide for an interest rate.

Sincerely, Nefedova Natalia
Customer Service Center
Capital Life Life Insurance LLC