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Sberbank insurance logo. Is insurance compulsory? Life and health insurance through Sberbank

Protecting the lives of others is one of the important and main areas of Sberbank’s work. His activities began in 2012, when from that time until October 2016, M.B. Chernin was the head of the Committee of the All-Russian Group aimed at the formation of life insurance. In the fall of 2012, the organization received the name Sberbank Insurance LLC and began to officially provide life insurance to citizens.

SK Sberbank Life Insurance LLC - the official website is one of the main ones in the securities market and protection of citizens. According to the bank rating, it is one of the three strongest companies in the Russian Federation. Over 9 months, the amount of insurance increased and became 46.8 billion rubles, which is a colossal result.

SK Sberbank Life Insurance LLC has a single shareholder - Sberbank PJSC. It promotes insurance programs. You can purchase Sberbank Life Insurance products at various Bank offices throughout the Russian Federation. Programs for insurance of citizens are long-term, which since 2012 have become fully available in 1948 service areas of Sberbank.

Programs aimed at life insurance

“Family asset” - the bank provides protection in the event of the death of one of the family members, and in parallel, finances are accumulated by the required date. The advantages include the addition of an expanded list of auxiliary risks. If it turns out that a citizen has become incapacitated and received a disability, then all payments fall entirely on the shoulders of the insurance company. This program provides a real chance to eliminate a number of problems in the family in case of unforeseen situations. Easy to apply - all you need is a passport.

“First Capital” - provides funds to the child at the end of the insurance period. All accident predispositions are similar to the previous program.

“Protection of loved ones” - intended to insure all family members. The insurance company provides assistance in cases of burns of varying severity, fractures of the musculoskeletal system, wounds, and injuries. Insurance risks include car accidents and the death of one of the family members. Protection is provided around the clock for the specified time.

The “Children's Educational Plan” allows you to create a certain financial amount, which will be withdrawn when the child enters the university to pay for the necessary services.

“Savings insurance” is a profitable service that allows you to save small amounts each month. This is enough to give you and your family members long-term monetary protection if adverse conditions arise. These include health problems or Sberbank will return 100% of the money deposited upon completion of the insurance policy contract.

“Heritage” - creates the opportunity to transfer or give money to relatives. After the contract expires, Sberbank transfers to the written out beneficiary the exact amount of insurance. What sets this program apart from others is that it provides the precise legal protection that is needed in property disputes. In addition, the parameters of this program include the accrual of auxiliary investment income towards the final payment.

Company programs that include investment life insurance

"SmartPolis" is a universal, best solution for thoughtful investors. This program has a unique strategy for working and controlling the stock market, taking into account all risks. Large investment income will constantly flow in. Sberbank ensures complete security of invested funds. This program is also good because it provides complete life protection from accidents.

“SmartPolisCoupon” - provides a good opportunity to withdraw the annual agreed amount if all criteria and conditions are met. This is beneficial for people in both large and small businesses. Another advantage is that the assets are basic, so they will be understandable to everyone, while the whole picture of the process can be traced in the public domain.

A program that includes optional insurance

This service is aimed at collective voluntary insurance of the well-being of citizens taking out loans from Sberbank of Russia PJSC / Cetelem Bank LLC. This package of services implies financial protection for the borrower if some unforeseen situation occurs.

Service packages aimed at life insurance at Sberbank LLC

“Head of the family” - is intended to provide protection to relatives if misfortune happens to the head of the family. The list of insurance includes the following accidents: frostbite, thermal injuries, disability, death. This program is well suited for new clients of the Bank.

“Protection of loved ones PLUS” allows you to create monetary protection for an individual or legal entity and his relatives in the event that unexpected expenses are required for the treatment of one of them. Accidents are similar to the previous program.

An airbag provides protection to a citizen and his family from adverse events that lead to health problems or danger to life. In the event of an unforeseen situation, this service will create complete financial security and will also allow you to maintain a stable standard of living, because the amount of money received significantly exceeds the amount of the contribution made.

“Corporate insurance program” - aimed at insuring large and small enterprises that take care of their employees. When ordering this service, all employees of the organization are insured against unforeseen events and health problems.

For what purpose were these programs created?

The area of ​​customer protection has become relevant in the insurance market, so Sberbank was no exception in this matter. Officially, Sberbank Life Insurance was approved in 2013.

Employees are trying to create a complete guarantee that you and your family members will be under reliable protection and will be able to freely enjoy life without fear for tomorrow. Sberbank has products that allow you to realize all your wishes, dreams, promises that were given to loved ones, despite the unfavorable outcome.

Sberbank treats each client honestly and tries to satisfy the needs of all citizens individually. It is important that you live a full life without fear.

Instead of output

Sberbank receives the highest ratings from rating agencies. One of the most important is the reliability rating. The Expert RA company appreciated the work of Bank A++ for reliability, quality of service and an expanded list of services, which indicates the highest level of reliability. We also received the highest score for employer attractiveness from the Expert RA rating agency - A.hr.

In the latter case, we are talking about the fact that the tax base for personal income tax can be reduced by the Central Bank refinancing rate. Insurance payments are not subject to personal income tax. These funds cannot be confiscated, recovered, and during a divorce they are not divided between spouses, like jointly acquired property.

And one more thing - the insurance amount is inherited by the person who is indicated as the beneficial owner. There is no need to wait six months to enter into an inheritance; the period for this is 30 days. The investment accumulation program offers similar conditions. In this case, funds can be invested in different stocks. The choice is always up to the user. These could be shares of companies on the RTS index, Sberbank, or the first link of the US economy. In addition, you can invest in real estate and gold.

Smartpolicy review from Sberbank Insurance

Sberbank Insurance is a reliable organization that strives, first of all, to reduce the risks of losing client money. For this reason, the SmartPolis program is suitable for people who are satisfied with long-term investments when independently choosing a high-yield fund. It is worth concluding an agreement if the client is confident that there will be no need for early termination.

1. An important distinguishing feature is that the amount invested to clients is divided into two parts, one of which is invested in proven low-yield instruments to guarantee a return on finances, and the second component is invested in high-yield instruments that have some risks to ensure a high rate of return. Thus, the investment amount is invested in reliable deposits, bonds and a risk fund with high potential income. SmartPolis guarantees for the return of funds are provided by investments in the guarantee fund.

1. The client does not need to have knowledge and skills of investing in various financial markets, since the insurance company takes on all the worries and work.
2. Unlike a traditional deposit, the insured amount cannot, according to current legislation, be seized or divided in the event of a divorce.
3. The “Smart Policy” agreement provides for the indication of any number of beneficiaries, and the persons do not necessarily have to be relatives of the client.
4. There is no tax deduction if the amount of income received is less than the current refinancing rate.
5. The client independently chooses a financial instrument with high profitability. To answer the question of which fund to choose, it is recommended to consult with competent and experienced specialists from the institution.
6. During the validity period of the concluded contract, the client can create an additional contribution at any time. Such an operation is provided for by Sberbank’s SmartPolis; feedback from depositors indicates that this is a significant advantage of invested insurance.
7. Any citizen of the Russian Federation over the age of 18 has the right to apply for a Smartpolicy. In this case, the age of the insured person can range from one year to 80 years at the end of the contract.
8. The minimum investment period is five years.
9. The ILI policy from Sberbank provides an opportunity to maintain financial well-being in the event of undesirable and unfavorable situations.
10. A convenient personal account “Smartpolis” is provided.

Sberbank

• the client can receive additional investment income.
• If the client has the opportunity or desire, he can increase the sum insured and potential income by making an additional contribution. Money can be deposited at any time during the entire validity period, and this will not entail an increase in the term.
• prolongation. If the client is satisfied with everything and he sees potential in the selected fund, he can use the “Contract Extension” option.

• The main feature of this life insurance program is the fact that part of the client’s money is invested in low-yield instruments to ensure a guarantee of return, and part is invested in high-yield instruments with increased risk, in order to ensure the profitability of this product as a result;
• Even without any experience in investing and working in financial markets, the client has the opportunity to evaluate the entire mechanism of action without incurring any financial risks. The insurance company will do all the work for him;
• unlike a deposit, the insured amount cannot be seized, it is indivisible in case of divorce;
• in the insurance contract you can specify any number of beneficiaries, and it is not necessary that they should be relatives of the client;
• if the income received is less than the current refinancing rate, then the client does not need to pay income tax;
• you yourself can choose a highly profitable financial instrument, any of those offered by Sberbank Insurance;
• During the term of the contract, we can make an additional contribution at any time.
• Both men and women can enter into a contract starting from the age of 18. The age of the insured is from 1 year to 80 years at the end of the contract;
• The minimum term for concluding a contract is 5 years.

Insurance and investments in the Sberbank Personal Account (h

1. Select the service package you are interested in in the “Sberbank Insurance” section of the Sberbank of Russia client’s personal account.
2. On the next page, select a card or account from the drop-down list from which funds will be debited to pay for the insurance policy.
3. Select the amount of insurance coverage. The cost of insurance protection will be indicated in parentheses next to each option of the proposed policy size.
4. Enter, if the menu is available, the policy validity period.
5. Please enter your full name in the appropriate fields.
6. In the special menu located in the next paragraph, select your date of birth.
7. Select your gender from the drop-down list.
8. Please indicate your nationality.
9. Enter the series and passport number in the next two fields respectively.
10. In the same form as the date of birth form, indicate the date of issue of the passport.
11. In the next column, accurately enter the details of the authority that issued you a passport as a citizen of the Russian Federation.
12. Enter your contact email address and duplicate it for confirmation in the similar field below.
13. Please provide your contact mobile phone number.
14. Agree to the rules for purchasing an insurance policy.
15. Check insurance cost data.
16. Remember the insurance product code.
17. Remember the insurance program code.
18. Double-check all entered data again. If everything is filled out correctly, click on the “Continue” button.
19. Confirm the purchase of an insurance policy with the code sent to your contact phone number via SMS message.
20. The policy has been issued, congratulations!

Let's proceed to the second part of our thematic article, dedicated to insurance from Sberbank of Russia and other investment services available in your personal account (the first part of the material is available at the link). As we said, now we will look at information directly about the “Sberbank Insurance” subcatalog, located in the corresponding section of the “Payments and Transfers” menu item.

Investment life insurance

There is no need to wait 6 months to receive the inheritance - if the insurance contract specifies beneficiaries in case of death, the insurance payment is not included in the inheritance and is made to the person specified as the beneficiary within the time period established by the insurance contract (usually 30 days);

• the first is placed in high-yield investment instruments (underlying assets) and allows the client to receive potentially unlimited investment income due to the growth in the value of the underlying asset;
• the second part is placed in risk-free investment instruments, which allows you to protect invested funds in the event of a negative scenario on the stock market.

Sberbank Premier life insurance personal account

With traditional insurance, funds are invested almost exclusively in low-risk, fixed-income instruments, typically government bonds, corporate bonds or bank deposits. Thus, the investment risk is lower, the evolution of investments is more predictable, but the expected return is lower.

The sum insured is set by the client and is between a maximum and a minimum, taking into account his age, as well as the first value paid, which is equivalent to the value of the units owned by the insurer. The investment component is the acquisition of accounting units in the insurer's financial assets. These funds are internal, closed-end, representing a portfolio of financial assets managed by the insurer for the benefit of insurance.

Sberbank: investment life insurance Smartpolis, reviews

1. Purchase guaranteed protection for life and health in case unforeseen situations occur.
2. Invest free funds for operations on the stock market without the risk of loss.
3. Save money thanks to program privileges:

• the amount of the insurance premium paid to a person upon the occurrence of an insured event is not subject to personal income tax;
• The money invested in the program cannot be confiscated or recovered from the client. Assets are not considered marital property if a divorce is pending;
• if necessary, the insurance contract may provide for beneficiaries in the event of the death of the insured person. The insured amount is not an inheritance, therefore it is paid no later than 30 days after the occurrence of the insured event;
• When transferring insurance funds to immediate relatives, the amount is minimally taxed.

Another profitable product from the insurer Sberbank is Premier. Life insurance is not the only component of the policy. As part of the product, card and deposit owners have the opportunity not only to use standard services, but also to connect to a profitable package from Sberbank “Premier”.

Investment life insurance

1. IC "Rosgosstrakh"– “Capital Management MN”. Investments are related to Moscow real estate.
2. "Sogaz"– “Trust Index”: shares of enterprises from the agricultural sector, healthcare, real estate.
3. "Alfastrakhovanie"- “Forward”.
4. "Sberbank"- “Smart Policy”. The minimum term is five years. Investments are directed to 2 funds.
5. "Ingosstrakh"– the “Vector” program can now be used through the network of the Ingosstrakh - Life company (previously it was issued only at the bank).

Investment life insurance (ILI) is a financial product with which a client can simultaneously insure the life of himself or another person (child, relative) and receive income from investments. The ILI program is a kind of hybrid (so to speak) of deposits, traditional investments and savings insurance.

Sberbank: investment life insurance - SmartPolis

• The client forms the initial capital, subject to further increase, determines the amount of contributions and their frequency (you can deposit funds once a month, quarter or year). Next, he determines the period during which the SmartPolis program will be valid. The determination of the term is often timed to coincide with some significant event: retirement, a child’s admission to university, the acquisition of a major purchase, a trip around the world, etc.
• Having fulfilled all the conditions of the previous paragraph, the client discusses with the Sberbank manager the cases in the event of which he can receive payments. Here it is possible to include additional risks, for example, diagnosis of a serious illness.
• After concluding all necessary contracts, the client makes regular payments until the target amount is accumulated or the insurance period ends. All this time, the client’s deposit is under the reliable protection of the insurance company.
• Bank employees use your money to invest into promising financial projects and make a profit. Profits are distributed between the bank and the depositor's account. Thus, the amount of savings increases.
• In the event of an insured event, the insurance company pays the client the amount agreed in advance, the terms of the contract do not change.
• If a client receives an injury that leads to loss of ability to work, or registers a 1st or 2nd degree disability, the insurance company will pay contributions to Sberbank for him. Life insurance provides the investor and his family with a serious financial cushion.
• At the end of the program period, the client receives the target amount and interest, accumulated during this time and received during banking operations.

How does investment insurance differ from ordinary deposits and mutual funds? All deposits are subject to a limited rate with clear limits, which initially sets the client’s income level; guaranteed money protection does not play any role here. Mutual funds, on the contrary, have the potential for maximum profit, but have absolutely no security of funds. So it turns out: either one or the other.

Investment life insurance in Sberbank: SmartPolis and SmartPolis coupon

This program allows the client to receive every year fixed income. But for this, the following condition must be met: the value of the securities of the companies specified in the agreement must be higher than on the date of signing the document. If this happens, the policyholder receives:

• the client enters into an agreement with an insurance company, which provides for periodic or one-time insurance premiums;
• The insurance company divides the money received from the client into two parts: one is sent to low-risk assets, for example, deposits in reliable banks or bonds. These investments provide the client with a minimum guaranteed income.

27 Jul 2018 918

No rating Payout Score: 1

Good afternoon. 07.12.2018 when applying for a consumer loan, under the pretext of refusal to approve the loan, by an employee of Sberbank PJSC S-voy O.G. Voronezh branch No. 9013/0180 Voronezh, Kominternovsky district, Moskovsky Avenue 11, the service “Voluntary life insurance, health insurance and in connection with the involuntary loss of the borrower’s job” was imposed on me. In response to my question about the possibility of obtaining a loan without the above-mentioned service and about the possibility of terminating the insurance contract in the future, SB employee No. 9013/0180 S-va O.G. She answered unequivocally that there was no such possibility. Also, the terms of insurance were not announced to me, an insurance contract and an insurance policy were not issued. The amount of my fee for connecting to the insurance program was 16,615.5 rubles. (Sixteen thousand six hundred fifteen rubles 50 kopecks.)

April 15, 2019 at 17:10 I contacted the Security Service department in order to exit the insurance program and return the insurance amount I paid according to application for insurance No. 511199 dated 12/07/18. My application (in the form of a completed form and an appendix to it - a “handwritten” application in any form) was registered in the SB department No. 9013/0187 as application No. 1904150943615600 dated 04/15/19.

04/18/19 I received a written response to my appeal in SB 9013/00187. The essence of this answer boils down to the fact that “... If you submit an application to terminate participation in the insurance program under
After the specified period, no refund will be made. Thus, in the event of termination of participation in the insurance program according to your application dated April 15, 2018. there will be no refund
produced... ».

However, according to the “Conditions of participation in the program of voluntary life insurance, health and in connection with
involuntary loss of the borrower's job" in clause 5 « Termination of client participation in the insurance program" indicates the following:
« P.5.1. Participation of an individual in the Insurance Program may be terminated early for
based on his written application submitted to the bank division in person... In this case, the return of funds paid by an individual as a fee for connecting to the Insurance Program is made by the Bank in the event of an individual’s refusal of insurance in the following cases:

1) an individual submits a corresponding application to the Bank within 14 calendar days from the date of filing the application provided for in clause 2.2 of these Conditions, regardless of whether the Insurance Agreement was concluded in respect of such person;

2) an individual submits a corresponding application to the Bank after 14 calendar days from the date of filing the application provided for in clause 2.2. of these Conditions in the event that the Insurance Agreement has not been concluded in relation to such a person. In this case, a refund is made to the individual
funds in the amount of 100% of the amount of the Fee for connection to the Insurance Program.
P.5.2. If the Insured individual has submitted an application for disconnection from the Insurance Program after the Insurance Agreement has been concluded in relation to this Insured person, the amount of money returned to the Insured person is subject to personal income tax at a rate of 13% - for tax residents, which is withheld tax agent - PJSC Sberbank at the time of their return."

Please consider my request to terminate participation in the insurance program subject to the return of funds through pre-trial settlement. Otherwise, I reserve the right to appeal to the court and other supervisory authorities to protect the rights of citizens of the Russian Federation.

There are types of Sberbank loan projects where purchasing an insurance policy is a prerequisite. For example, when taking out a mortgage or a car loan, you will have to insure a property or vehicle without fail, but life and health insurance at Sberbank is a voluntary procedure. However, bank employees usually persistently ask borrowers to purchase a policy to protect themselves and loved ones from various risks. What is an insurance policy, does it have advantages or disadvantages and under what conditions is it provided?

What risks does life and health insurance cover at Sberbank?

Having decided to insure your life, you can contact any company that provides these services. You can also declare your desire to buy a policy at the time of applying for a loan at Sberbank. The insurance will be issued at a bank branch by a subsidiary of Sberbank. The agreement is designed to insure the life and health of the borrower, ensuring repayment of the loan in the event of difficult life circumstances.
There are a number of risks that the policy provides, some of them:

1. Loss of ability to work.
2. Death.

Calculation of insurance rates

The first risk, loss of ability to work, is a broad concept. This includes illnesses, accidents, injuries leading to disability, and difficult life circumstances that happened in the family. Therefore, there are several insurance programs. You can choose the most suitable program for yourself: with individual or general parameters.

Insurance programs differ not only in the range of risks, but also in cost. Today, life and health insurance at Sberbank is charged on the following terms:

• life, disability - 2.09% per year;
• life, health, loss of job not of one’s own free will - 3.09%;
• individual conditions - 2.6%.

The person (beneficiary) designated in the insurance contract can be a bank, another organization or any citizen (this condition does not apply if a mortgage is issued). By choosing a bank, the debt will be paid on the established terms by the insurance company in case of an unforeseen situation.
Having chosen a private person as a beneficiary, he has the right to refuse the received obligation. And then, in the event of the death of the borrower, the debts are paid by the person who entered into the inheritance.

Conditions for full repayment of debt with an insurance policy

The insurance company will pay the borrower's loan in full only in the following cases: in case of illness, accident, resulting in disability or death. Loss of ability to work for a certain period is not grounds for full repayment of the debt. In this case, life and health insurance at Sberbank pays off one or more mandatory payments. In order for the insurer to temporarily assume the obligations of the borrower, the latter or his heirs must provide documentary evidence of the occurrence of the insured event. This may be a certificate from a hospital or relevant institution.

Life insurance and its impact on lending at Sberbank

It is not known for certain whether the refusal of insurance affects the negative response on the loan. Therefore, you should independently evaluate all the pros and cons of insurance programs. When making a decision, you should remember that:

• this is a voluntary step, and the bank has no right to insist;
• You can buy a policy and cancel it within a specified period.

Many borrowers do this: they take out life insurance, get a loan, and then cancel the policy. The amount of insurance premiums is returned to the client’s account.

Is there a waiver of insurance?

Yes, there is such a possibility, and it is stipulated in the insurance company’s contract and at the legislative level. The following return conditions apply:

• if you contact the insurance company within 30 days after signing the contract, you can expect a refund of the entire amount;
• if more than a month has passed, but less than six months - up to half the cost of insurance premiums;
• If more than six months have passed, a refusal will follow.

If the loan is repaid, but life and health insurance at Sberbank is still valid, you can return the premiums. To do this, you must submit an application and attach documentary evidence confirming the absence of debt on the loan. To speed up the process, you should insist on registering the application and not leave this issue unattended.

Duration of the insurance policy

The insurance policy covers the term of the loan issued. But according to insurance rules, it can only be issued for one year. When the term expires, it is extended until the entire loan balance is paid off.

Insurance payment options

You can pay contributions in two ways:

• pay separately, like monthly loan repayments;
• include in the loan amount.

Conditions for termination (return) of the insurance contract

The policy may be canceled if:

• apply for a refund of part of the insurance premiums;
• one of the insured events occurs, and the company fulfills its obligations under the contract: makes part of the monthly payments or repays the debt in full;
• Some diseases were discovered in the borrower: tuberculosis, hepatitis, diabetes, etc.

Is it worth using the insurance services of Sberbank Insurance?

Life and health insurance at Sberbank is primarily beneficial to the bank, since the company assumes the obligations of the bank’s borrowers. But in some cases, for example, when applying for a mortgage, it is also beneficial for the client to insure his life, protecting those closest to him from obligations.

For credit

When applying for a consumer loan, it is quite possible to ignore the purchase of an insurance policy. The likelihood that an unexpected situation will occur in such a short period of time is still small.

For a mortgage

But when taking out a mortgage, where funds are given for decades, you should think about concluding a life insurance contract. Sberbank reduces the interest rate on loans to insured borrowers by 1%. In mortgage programs, this amount is significant. Home insurance with a mortgage is mandatory.

Cases of voluntary insurance

The insurer, in this case a subsidiary of Sberbank, offers various programs.

1. Program for the Protection of Loved Ones.
2. Home protection program.
3. Accident and illness insurance.

Video material about the Head of Family project from Sberbank Insurance:

There are a large number of offers on the insurance market from various companies, both small and large. Also, there are various financial corporations that provide comprehensive services: banking, investment, insurance, etc.

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Some of the largest companies of this type include Sberbank, VTB, and Otkritie. The insurance company Sberbank is a subsidiary of Sberbank of Russia, which is engaged in life and health protection programs.

IC "Sberbank life insurance"

The company has existed since 2012 and in such a short period of time has already occupied a leading position in its industry.

At the moment, the company offers its clients various life and health insurance programs, which depend on the needs of the clients:

• investment;
• cumulative;
• risky;
• voluntary life insurance of borrowers;

Why this bank?

IC Sberbank is a leader in the insurance services market. The company's sole shareholder is Sberbank of Russia, which has the highest rating of public trust and brand recognition.

It is part of the largest financial organization in our country, which has significant support from the state, which ensures stability and reliability.

IC Sberbank together with Sberbank of Russia promote services to protect the life and health of clients throughout the Russian Federation. Products and services can be purchased at any sales office of Sberbank of Russia, First, Private banking, as well as in Premier service areas.

Risk protection programs can also be issued at a subsidiary of Sberbank of Russia - Cetelem Bank.

Investment life insurance

The company offers its clients a new type of service: investment life insurance. This is investing money in investment programs in the stock market, protecting invested capital and life in unforeseen circumstances.

Investment in financial instruments goes in two directions:

1. Investing in reliable bonds and deposits– brings constant income, and this part of the portfolio also guarantees the return of invested funds (the entire amount) regardless of the market situation.
2. Risk instruments– at the client’s choice, this direction of investment allows the client to receive the maximum possible additional income.

Why is this beneficial?

For clients who want to try this type of protection, the insurance company offers SmartPolis.

The basic operating principles of which are as follows:

1. Long-term investment of funds – from 5 years.
2. Investment has two directions: a guarantee fund and a risk fund, which ensures high reliability of capital preservation with the opportunity to receive a large income.
3. Insurance protection.
4. Obtaining tax benefits and having legal protection.
5. Various options for insurance premiums (lump sum or in installments).

The invested funds are invested in the following market instruments:

• global bond fund;
• real estate;
• raw materials basket;
• new technologies;
• US market shares;
• gold;
• RTS index;
• Sberbank shares;

Thus, investment life insurance is a completely new instrument for investing funds - it combines the reliability and stability of deposits and high returns on the stock market.

The main principles are long-termism and diversification of assets, which allow you to receive not only stable, but also high income.

Endowment insurance

This is a combination of the ability to accumulate funds for a specific event and insurance protection for the client’s life. Such a product includes a guaranteed income from the investment and additional income, which depends on the results of the company’s investment activities.

The company has three areas of savings programs:

1. "First capital".
2. "Family Capital".
3. "Savings insurance".

Each of these programs operates on the same principle - accumulation of funds by a certain date, but these packages also have their own distinctive features, and, consequently, their operating principle:

1. "First capital". This is an investment in your child's future. After the expiration of the contract, Sberbank pays the savings to the child. At the same time, the amount of the final payment is specified in advance in the contract, that is, in the event of the death of an adult or loss of his ability to work, Sberbank assumes responsibility for making mandatory contributions.
2. "Family Capital". This is an investment in the peace and stability of your family. Upon expiration of the program, the client and his family receive a guaranteed amount and additional investment income, and in the event of an insured event, the bank assumes responsibility for paying the guaranteed amount and investment income.
3. "Savings insurance". This is an opportunity to take care of the safety of your loved ones. When an insured event occurs, Sberbank pays the insured amount specified in the contract.

Conditions of the savings program:

1. The insurance amount is paid one-time and in full at the end of the program period.
2. Individual approach to choosing a payment schedule - at the request of the client.
3. The presence of both a basic program with standard risks and an expanded program that allows for a wider range of insurance events.

Risk life insurance programs

This is a type of protection in which payments are used to cover the risk. This type of insurance service appeared on the market relatively recently. This program has significantly expanded the list of insured events.

In Sberbank IC this program is called “airbag”. This is an opportunity to protect yourself and loved ones from unforeseen situations.

The contract for this type of insurance provides for a fairly wide list of possible risks, which allows you to fully protect the family from undesirable events: injuries, loss of ability to work and death.

At the same time, insurance protection begins to work from the first payment. This is the most popular program among clients due to its three-level client protection.

Boxed life insurance products

Boxed products are a product that allows you to protect everything you need from unpleasant events in a short time, a small amount and without unnecessary formalities: both property and life.

The procedure for concluding a contract is simple and fast:

1. "Head of the Family"– this is an opportunity to protect the family in the event of unforeseen situations with the head of the family (death, disability of 1st and 2nd groups as a result of an accident). When concluding a contract, a lump sum payment and the sum insured are selected.
2. "Protection of loved ones" implies insurance in case of burns, fractures, severe wounds, frostbite, and death. This program applies to children (from 2 to 24 years old), spouses (from 18 to 65 years old) and parents (age from 35 to 75 years old).
3. "Corporate insurance program" is a program to protect enterprise employees from insured events. This program implies three contract options with different protection options, and, accordingly, different costs.

Voluntary life insurance program for borrowers

IC Sberbank offers clients of Sberbank of Russia and Cetelem Bank to conclude a life insurance agreement. This offer is valid for loan borrowers (mortgage, car loan, consumer).

Every borrower who undertakes any financial obligation (including a loan) should think about the financial well-being of his family.

In the event of an insured event (death or disability), responsibility to the financial institution for loan obligations is transferred to the borrower’s relatives and friends. If the loan amount was large, then monthly payments may become an unbearable burden.

It is the program of voluntary protection of the lives of borrowers that will allow all responsibility for the existing loan to be transferred to the insurance company.

The term of the contract is always determined by the term of the loan, and the amount of the insured amount is limited by the amount of the loan. The cost per month will be from 0.24% to 1.70% or from 2.7% to 2.9% annually. These tariffs are selected individually for each client depending on the amount of financial obligations.

Mission and values

The company's mission was officially approved in 2013. The main principle of the company is the desire to be an “honest expert” who cares about his client. Sberbank, with its slogan “there will be tomorrow,” cares about the future of its clients and wants it to be financially prosperous.

The main symbol of the company is a tree, which is associated with constant growth and upward striving, and also becoming stronger and stronger.

Ratings

In a short period of time, the Sberbank Insurance company was able to gain fame among a wide range of people - in just 3 years (since 2012), the Sberbank Life Insurance program took a place among the top three leaders in the insurance services market.

In 2015, the company received the highest reliability rating - A++, which indicates the highest degree of reliability. By international standards, the insurance company is also not inferior and has a rating of A+. Sberbank insurance in 2014 took 8th place in the list of the largest insurance companies.

Sberbank has not only developed various protection programs for its clients, but has also selected practical recommendations for each client who chooses this or that type of insurance.

Basic tips:

1. Investment should be long-term.
2. You should not succumb to general panic in the securities market (this applies to investment insurance) and thoughtlessly change plans and strategies.
3. It is imperative to protect yourself and your loved ones, as well as your financial condition.
4. Insurance premiums should not burden the family budget (the optimal share is 10-15%).

Thus, Sberbank provides a full range of life insurance services, which will be an excellent addition to other bank services.