Rosgosstrakh life client's office enter. Reviews about the insurance company "Capital 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.

Basic information

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 clients. individuals. 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 the accounting and financial statements in free access. You can get acquainted with it on the official website of RGS-life - rgs.ru (life cabinet).

Services

"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 on the RGS-Life website Personal Area.

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

• a family;
• children;
• saving;
• prestige.

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.

Investment insurance

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.

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 the offensive 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. Various input options available Money: 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.

Remote Access Channels

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: free hotline and personal account of the client online.

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.

Insurance company RGS-Life

The desire to protect yourself and loved ones from various accidents is one of the natural human needs. In modern conditions, insured events are only expanding: this is not only life and, it is the protection of investments, family capital and cash savings.

Any search for insurance companies will lead to RGS-Life. What is it, how many directions and insurance programs are used, what advantages and disadvantages does it have - the main questions that arise for the insured.

RGS-Life: “RGS” is the abbreviation of Rosgosstrakh, Life in English means life. Rosgosstrakh Life - Insurance Company, leader in the Russian market.

RGS-Life has a shareholding management structure, most of the shares are concentrated in the management. Until 2002, inclusive, the organization was the property of the state, in 2003 the enterprise bought up the state controlling stake.

In 2010, dozens of companies merged under one brand - Gosgosstrakh LLC. In the same year, the company was completely privatized.

Since 2015, RGS-Life has been considered a systemically important insurance organization (introduced by the Central Bank of the Russian Federation). Its reliability is regularly confirmed by various Russian and international ratings of professional communities.

For example, in 2017, the company became the winner of several financial awards and competitions at once, in the nominations Social Responsibility, Reliability, and Best Investment Insurance. Every year the level of reliability and stability is confirmed as "very high".

RGS-Life in numbers

If we track the statistics on the number of insured persons, the volume of insurance payments, the figures are impressive:

• 1st place in terms of the volume of all payments in Russia;
• 18% of the entire insurance market belongs to RGS-Life;
• 5 million people are currently insured with Rosgosstrakh-Life;
• 90 billion rubles - the company's insurance reserve;
• 50 regions of Russia cover the activities of RGS-Life;

500 financial institutions cooperating with RGS-Life;

• 10,000 employees work for the corporation;
• 5-10 years is the average term of the company's insurance contract.

Insurance company "Rosgosstrakh-Life" occupies a leading position and for innovative technologies used both for internal work and for organizational convenience of various clients.

Directions and programs of insurance

RGS-Life provides insurance programs in various areas of insurance:

• accumulative,
• investment,
• ritual,
• from an accident
• severe or fatal illness.

The following insurance services are currently available:

Savings - creation, saving and augmentation of personal or family capital; insurance protection financial transactions. Within the framework of this direction, there are 4 programs "Care for the Future":

• for children: prestige (more than 1 million rubles), comfort (up to 1 million rubles),

• for adults: prestige (more than 1 million r .), comfort (up to 1 million R .).

Investments - insurance of monetary investments. There are several money management programs:

• "Management 360" (large amounts, the ability to withdraw or replenish an account),
• "Wealth management" (regularity of savings),
• "Management +" (the ability to choose a plan and algorithm of actions).

The more expensive the program, the more management opportunities it provides.

When concluding an insurance agreement, it is important to consider the following points:

1. Limits of the sum insured. This is the amount of money that the client will receive if an insured event occurs. Or, as provided for in some programs, the terms of the agreement will end.
2. Payment options: one-time and regular (once a month, once a quarter, others).
3. Contract term. Short-term conditions are less favorable than long-term ones.
4. Rights and obligations of both parties to the agreement. The policyholder has the right to give or not give consent to the processing of personal data; receive from the company all information about the selected insurance program; track the transactions of your contract.
5. Procedure for the occurrence of an insured event. The insurer will need proof: the package of documents will depend on each specific episode.

The calculation of the sum insured depends on a number of factors:

• The gender of the insured, for men, insurance is more expensive, as they are considered riskier clients.
• Age. The higher it is, the more insurance premiums.
• Various insurance risks: place of residence, profession.
• Medical scores. With disability group 2, the client will receive 80% of the insurance, with group 3 - 60%.
• The physical condition of the client.
• The term of the contract about.

Each program provides an individual approach, taking into account these and other factors.

RGS-Life provides conditions for premature termination of the agreement:

• if the insured does not pay insurance premiums or does it untimely;
• if he has indicated incorrect information about himself, bearing or increasing insurance risks;
• if additional reasons for termination are specified in the individual contract.

The contract can be suspended by mutual agreement of the parties. To do this, the client needs to write an appropriate application. In all cases of termination of the insurance service, the insured loses part of the paid. That is why it is necessary to ask all the questions of interest and reveal the slightest nuances of insurance before signing the contract.

You can get acquainted with all programs and conditions of insurance on the official website of the company.

Strengths and weaknesses of the RGS-Life company

For clients who have already decided on the need to insure life (their own and their loved ones), property or investments, it will not be difficult to list the advantages of Rosgosstrakh-Life:

• The company has a wealth of experience in the insurance market, RGS-Life is a leader in the Russian Federation.
• The reliability rating is rated as "very high" by many domestic and foreign agencies.
• A large number of branches throughout the country.
• Insured events do not depend on the territory or time: wherever an emergency occurs, RGS-Life is ready to pay around the clock sum insured specified in the contract.
• The company introduces all types of modern innovative technologies: each client has access to a personal multifunctional account on the official website; the site and all additional pages have a user-friendly interface, reliable protection of personal data. The customer service and hotline of the company are open 24 hours a day.
• The insurance company cooperates with more than 500 financial and banking organizations, which is especially beneficial for investment insurance.
• Services are provided at the highest level.
• Openness to any checks: from government services to a personal client.

Among the minuses can be called:

• mobile organization of work, frequent changes in programs and conditions for their implementation (for the older generation this is a minus, since each individual project needs to be thoroughly studied);
• for many citizens of Russia, insurance premiums are unbearable.

Insurance company "Rosgosstrakh-Life" is a leader in Russian Federation for the provision of various insurance services: from investment protection and corporate to accident insurance. The main advantages of the organization are its reliability, flexible approach and the use of innovative technologies in working with clients.

The following video is about the intricacies of deception by Rosgosstrakh-Life:

Jan 7, 2018 Benefit Help

You can ask any question below

The Rosgosstrakh organization provides services to customers through a personal account. This is a multifunctional service that allows you to solve a number of needs remotely. To enter your page, you need to register a personal account on the RGS Life portal.

Why do I need a personal account from the company RGS Life?

By registering a personal account on the portal, almost all the services of the organization become available to the client, which can be obtained remotely.

You can also get information about the company's offers, available insurance, and the status of applications. Moreover, through the personal account of RGS Life, it is possible to issue a product and inform the organization if an insured event occurs.

How to register on the site?

The link to the client's account is on the right side of the main page of the official website. By clicking on the “client account” link on the RGS Life portal, a new page opens for the user. If a person visits the site for the first time and he does not have access to his personal account, then he needs to follow the link "get login and password".

• phone number;
• captcha (robot protection).

After confirming the phone number, the user becomes available to fill out a questionnaire. All the proposed fields should be filled in carefully, as their accuracy will later be verified by the specialists of the CSG Life organization.

How to log in to the client's office?

How to get the help of a CSG Life consultant?

If you have questions when choosing an insurance product and during registration on the site, you can apply to the company's technical support. To do this, select the function of sending an application at the bottom of the page and enter the following information in the fields:

• mobile phone;
• Email.

Then you need to agree with the processing of personal data and click on the "Continue" button. Then, in the next window, you will need to enter your question in the field, the answer to which will come from the support service in a way convenient for the client.

Mobile application RGS Life

Rosgosstrakh offers customers to use the application on a mobile phone, which includes the functionality of the Internet version of the site. To work with the application, it is enough to log in, and all functions will be available online.

In addition to the general functionality of the cabinet, the software is equipped with an emergency button. In case of an accident or other insurance situation, you can click on the button and get information about what actions are required to be taken to receive compensation.

The mobile application has a function of transferring money from a card to a discount. To carry out this operation, you need to enter the details of the sender and recipient. After providing the information and confirming the payment with the secret code from the message, the money will be transferred. All the entered information is processed directly at Sberbank PJSC, therefore no other persons will be able to access any banking data.

Activation of the insurance contract

If an insurance product from Rosgosstrakh was chosen online, then you should go through the procedure for activating it. To do this, follow the instructions. In order for insurance protection to take effect, activation must be done within a month from the date of purchase. To activate, you need to find the "Activation" section on the site and click on the "Activate" button.

In the special field "envelope number" you need to enter the number of the purchased insurance product. In the field with the code, enter the activation code indicated below, repeat this introduction below. Then click on the "Activate" link. A form will appear that you need to fill out. Personal and contact details will be required. Then you need to read the agreement and check the appropriate box.

To confirm that the Insurance Agreement has been activated and entered into force, a notification will be sent to the email address. Additional questions, if any, can be asked to consultants on the website online.

How to delete a personal account?

You will not be able to disable your CSG Life account through the site. To delete a personal page, the user will need to contact the Rosgosstrakh insurance organization and write an application. After that, the personal account will be deleted, and access to it will be disabled.

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 - 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.

Over the course of 3 years, reports came in, and each time one in 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 are not known or understandable 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 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 interest rate not covered by the terms of the contract.

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

non-state Pension Fund Rosgosstrakh offers private clients 2 pension programs: compulsory insurance and non-state support. You can view all the information on them in the "Rosgosstrakh Pension" section of the official website of the insurance company. Connecting the personal account service of the NPF RGS makes it possible to conduct an audit pension savings through the Internet.

Possibilities of a personal account

Through the personal account of the NPF RGS, the following options are implemented for the client of the pension program:

• Tracking the increase in pension savings online.
• View accruals filtered by time period.
• Full history of transactions on accounts opened in accordance with pension agreements.
• Availability for downloading forms of relevant documents.
• Setting the password recovery method.

Through the official website of NPF RGS without registration, you can:

• Use the pension calculator.
• Download the form of the Client Identification Sheet required to inform the Fund about the change in personal data.
• Request a callback.
• Find the contact details of the nearest office.

Registration and login to your personal account

The personal account service of the NPF RGS is considered a separate, albeit free, service that you need to connect by submitting a written application to any conveniently located office of the Fund. The application form is available in electronic form on the login page of the client's personal section.

Within 30 days after the submission of the application, the client will be registered in the site database. The login password will be sent to the client in the way that he chose when activating the service - by SMS to the phone or in an e-mail message.

Having a password and SNILS, a client of any pension program can log in to the personal account of the NPF RGS. The desired section opens on the site when you select the "NPF RGS" item from the drop-down menu, which is called up by clicking on the "Personal Account" button.

Customers who have connected the service can get a new one instead of a forgotten password through the website:

• By entering the numbers of SNILS in the appropriate field of the electronic recovery form.
• Entering the correct anti-spam code from the picture.
• By clicking the "Recover password" button.

A new temporary access code will be reset to a mobile or email message, depending on which method the client preferred when filling out the application or later indicated in the personal account.