Sat life insurance personal account. To apply for a policy you need

The legislation of the Russian Federation provides for the possibility of termination taking into account the interests of both parties. Each client of the insurer has the right not only to become the owner of a policy, but also, if necessary, to terminate cooperation ahead of schedule on legal grounds.

What is provided for by the current legislation of the Russian Federation?

The Civil Code of the Russian Federation in most cases provides for the need to return part of the money paid. When calculating backwards, the period during which the company’s former client no longer used the services offered is taken into account. According to this scheme, proportional financial compensation occurs. At the same time, it is recommended to take into account the terms of the contract that is signed.

Russian legislation allows early termination of a concluded agreement if the policyholder so wishes. It is important to take into account that the insurance amount paid will not be paid if the contract does not initially stipulate aspects related to early cancellation of the services provided.

Nuances of termination of cooperation

Cooperation can be stopped not only after a certain event occurs. The following potential circumstances of refusal of insurers' services are considered:

disappearance of the risk of an insured event recorded in the current policy;
inability to fulfill obligations regarding further payments;
desire to change insurer taking into account potential benefits;
violation of the law by the policyholder, including the provision of false information;
a mutual decision to change the initially established duration of the contract.

Regardless of the intentions of both parties, only valid reasons for terminating a policy are considered at the legislative level. If the insurer agrees with the policyholder's arguments, only part of the money can be returned. It is important to be prepared for the fact that the terms of the executed contract, first of all, protect the company. A legal entity must lose at a minimum level to exclude the serious impact of situations related to early termination of cooperation.

How to terminate an insurance contract?

The legislation provides for various ways to terminate a contract and return funds. The initiator of termination of cooperation must be taken into account.

An insurance contract may be void if the policyholder fails to pay premiums or fail to comply with any terms of the contract. In this case, the insured person who is a client of the company has the right to submit an official statement of intent to terminate cooperation. At the same time, the current policy specifies all possible options and possibilities for getting out of current situations, as well as requirements that must be met.

Termination of cooperation with LLC IC Sberbank Insurance

IC Sberbank Insurance LLC is one of the best insurance organizations in Russia. The institution conducts its activities in accordance with current legislation. Each client has the right to be sure that his rights and interests are protected, so he can take advantage of the appropriate opportunities.

Is termination of the contract allowed?

Termination of a life insurance contract with Sberbank SK LLC is permitted. However, the insurance premium is refunded only within fourteen calendar days, so the policy should not become legally binding. After the initial period, termination of the executed agreement ceases to be advisable, since financial compensation is not possible.

When carrying out the procedure, in the first fourteen days you can provide the details of any bank card, account details or savings book. A representative of the target audience can use the most convenient method for themselves.

Features of termination of the contract

As we have already understood, the terms for terminating a life insurance contract at SK Sberbank LLC, taking into account the interests of clients, are limited to the first two weeks. At this time, you need to re-visit the Sberbank office center to fill out a standard form confirming certain intentions.

The application must include the following information:

bank details of the account used (personal account of the client of the institution, as well as the BIC of the bank) for receiving the insurance premium;
last name, first name and patronymic of the applicant;
passport details;
current contact information (phone number, email address);
number and date of registration of the insurance contract.

Specialists consider only those applications that contain the full amount of information. Otherwise, termination of the current policy ceases to be possible.

The required package of documents must be attached to the application. This requirement must be met in order for the termination procedure to be carried out in accordance with the current legislation of the Russian Federation. So, the necessary documents (copies):

valid civil passport;
document confirming payment for the issued policy;
valid insurance documentation.

As we have already understood, the issue will not be considered without an application and a documentary package. Given the limited time frame, it is advisable to immediately take care of meeting existing requirements.

Another option for resolving the issue of early termination of potential cooperation is to send a letter with an application and other necessary documents. The letter is sent to the following address: Russian Federation, Moscow, Pavlovskaya street, building 7, index 115093.

The countdown of the period during which the decision will be made begins after the Application is received by the insurance organization. Funds are returned within seven working days.

How to find out about a refusal to pay?

Within seven working days of the decision to refuse financial compensation, a letter will be sent with a clear justification of the reasons. This document will be received by mail. If the insurer knows the email, the message will be duplicated electronically. Justifications for refusal to return money spent to issue an insurance policy are required.

The legislation of the Russian Federation provides for the possibility of profitable early termination of a contract with an insurer. At the same time, each organization operates according to a unique scheme, so you should take into account the terms of the policy and comply with the established aspects of interaction with specialists.

Read how to get a tax refund for life insurance.

Deposit products and credit programs of Sberbank. People have unlimited trust in this financial institution, which is the flagship of the Russian banking sector. For regular and new clients, the bank offers a wide range of services aimed at improving the level of service, for example. When applying for credit products, applicants can take part in insurance, thanks to which their life and health will be financially protected from risks.

Life and health insurance - cost at Sberbank

Health and life insurance at Sberbank is provided at different rates:

note: When applying for mortgage loans, insurance is a mandatory procedure for all applicants.

Insurance options

Insurance policies are issued at the time of concluding loan agreements. Clients will be invited to participate in insurance in two areas:

Voluntary. This type of policy is issued for all types of loans. If during the validity of the contract an insured event occurs with the borrower, the insurer will be obliged to cover the entire amount of his debt.
Mandatory. Financial institutions offer this type of policy to clients in order to protect their money from possible risks.

note: the procedure for health and life insurance at Sberbank involves paying monthly contributions or including the entire cost of insurance in the body of the loan. If after this the borrower temporarily becomes unable to work, the insurer will repay his debt to the bank temporarily (usually this is the duration of the sick leave). Full repayment of the debt is possible only in two cases - the client died or became disabled.

How to participate in voluntary insurance?

When trying to find out, people should carefully review the terms of existing programs. For some of them, the requirements have been significantly relaxed, thanks to which people who are unable to document their financial solvency can apply for a loan. For this category of borrowers, one of the mandatory conditions will be health and life insurance with Sberbank.

All applicants for participation in lending from Sberbank must weigh all the risks before purchasing policies, and also find out the exact cost of insurance. They should remember that health and life insurance is carried out on a voluntary basis; if there is no desire, the client can refuse. If, nevertheless, the borrower entered into an agreement with the insurer and paid the obligatory contributions, he has the legal right to terminate it and return the funds spent.

note: The insurance policy is issued in most cases for 1 year. If it is issued for a mortgage loan program, the borrower will have to renew it several times.

The procedure for obtaining insurance involves several stages:

When drawing up a loan agreement, the client will be asked to issue a policy, to which he must give his consent.
The borrower must study the terms of the insurance and carefully read the contract proposed for signature.
Payment is made according to the current tariff (you will need to make monthly insurance payments). The client has the opportunity to include the cost of insurance in the body of his loan.

note: when registering for a life and health insurance program at Sberbank, you can designate either a financial institution or another person as a beneficiary. In the latter case, when an insured event occurs, the recipient of insurance payments can spend them at his own discretion, and the borrower’s debts will be repaid by his legal successors.

How to cancel insurance?

If the borrower decides to cancel the insurance policy, he can expect reimbursement of costs in the following amount:

if an application for cancellation of insurance is submitted during the first month of its validity, then the entire amount is returned;
when contacting the insurer during the policy period from 1 to 6 months, up to 50% of the funds spent are returned;
if this period is missed, then only a small part of the insurance payments is returned.

Advice: to apply for a refund of insurance, you need to submit an application to the insurance company and attach to it a certificate from the bank, which indicates that there is no debt on the loan.

In what cases will an insurance contract lose legal force?

The agreement concluded between the borrower and the insurer will cease to be valid in the following cases:

An insured event has occurred, and therefore the insurance company is obliged to fulfill its obligations. Once insurance payments are made, the policy will be cancelled.
The borrower was diagnosed with a disease that cannot be regarded as an insured event.
The client unilaterally decided to terminate the contract and return all funds spent.

Features of obtaining insurance

Regardless of whether the client signs up for a credit program, he can voluntarily take part in insurance. Applicants for the policy are subject to the following requirements:

Health and life insurance at Sberbank is provided for persons over 18 years of age (up to 65 years).
Citizens of any age group can act as beneficiaries. If these are close relatives, then after the death or accident of the insured person they will be able to receive funds with which they will pay off his debts to the creditor.
If the borrower violates the terms of the contract, he will not be able to receive insurance payments.
Each insured event is carefully checked. If it is proven that the client was injured while under the influence of drugs or alcohol, then it will be classified as an accident that occurred during the commission of illegal actions.
Each borrower, when signing an agreement with an insurance company, must carefully study the document to ensure that the insured events are clearly identified.
The insured person can exercise the right to receive personal income tax benefits.
Upon divorce, insurance payments are not subject to division.

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.

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.

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.
Unlike a traditional deposit, the insured amount cannot, according to current legislation, be seized or divided in the event of a divorce.
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.
There is no tax deduction if the amount of income received is less than the current refinancing rate.
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.
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.
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.
The minimum investment period is five years.
The ILI policy from Sberbank provides an opportunity to maintain financial well-being in the event of undesirable and unfavorable situations.
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

Select the service package you are interested in in the “Sberbank Insurance” section of the Sberbank of Russia client’s personal account.
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.
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.
Enter, if the menu is available, the policy validity period.
Please enter your full name in the appropriate fields.
In the special menu located in the next paragraph, select your date of birth.
Select your gender from the drop-down list.
Please indicate your nationality.
Enter the series and passport number in the next two fields respectively.
In the same form as the date of birth form, indicate the date of issue of the passport.
In the next column, accurately enter the details of the authority that issued you a passport as a citizen of the Russian Federation.
Enter your contact email address and duplicate it for confirmation in the similar field below.
Please provide your contact mobile phone number.
Agree to the rules for purchasing an insurance policy.
Check insurance cost data.
Remember the insurance product code.
Remember the insurance program code.
Double-check all entered data again. If everything is filled out correctly, click on the “Continue” button.
Confirm the purchase of an insurance policy with the code sent to your contact phone number via SMS message.
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

Purchase guaranteed protection for life and health in case unforeseen situations occur.
Invest free funds for operations on the stock market without the risk of loss.
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

IC "Rosgosstrakh"– “Capital Management MN”. Investments are related to Moscow real estate.
"Sogaz"– “Trust Index”: shares of enterprises from the agricultural sector, healthcare, real estate.
"Alfastrakhovanie"- “Forward”.
"Sberbank"- “Smart Policy”. The minimum term is five years. Investments are directed to 2 funds.
"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

Sberbank is rightfully a leader among other credit institutions. And this is determined not only by the predominant number of clients, but also by the huge selection of banking products. Some of them are separated into separate companies owned by Sberbank. For example, Sberbank offers life insurance to all its clients and more.

On the official website of Sberbank, life insurance is possible by going to a special section. Sberbank clients connected to their personal account online can become participants in the program.

Getting access to your Sberbank personal account for life insurance is as easy as registering your personal account on the Rusfinance website -

Features of registration in the policyholder’s personal account

On the Sberbank website for life insurance, a personal account is needed to view history and perform a number of other functions.

You can open your personal page after you have signed an insurance agreement with a credit institution. By accessing the official Sberbank website, life insurance is possible after logging into your personal account.

Authorization

To do this you will need a login and password. If a Sberbank client uses the site’s services for the first time, he needs to register. This is the second section that is presented on the page. Besides them, there are others here:

insurance case;
information.

To register the policyholder, personal data will be required. The service warns that the information must be specified exactly as it was written down in the agreement between the client and Sberbank. Next is the date of birth.

Full name, date of birth

The next step is for the user to select the product for which the contract has been concluded. It must be found in the proposed list.

Personal data

During registration, you must provide information such as numbers and series of the insurance contract. If there are several such agreements, you can specify any one. You also need to enter your mobile phone number and email address. The last step is to come up with a username and password. The secret code must be reliable to prevent unauthorized persons from accessing the Sberbank website. To eliminate the error, the service prompts you to enter the password characters again.

How to recover your password?

If the password has been forgotten, the service offers certain actions to restore it. To do this, you need to go back to the login page for your Sberbank personal account. Here you will need to click on the password recovery link.

After this, the life insurance service will offer to choose a password recovery option:

via email;
via mobile phone.

Both must match what the user indicated in the contract during registration. They will receive a new password. When you first log in, you can replace it with another one.

Life insurance programs from Sberbank

Sberbank offers users a large selection of life insurance programs. On the official website, you should carefully study their terms and conditions, and then select them in your personal account. For example, there is the Head of Family program. Within its framework, relatives and friends receive help in the event of adverse incidents with the family breadwinner.

The client receives the policy within a few minutes after filling out the required form in his personal account. The document is sent to your email address. Its main advantage is the fact that it operates in any country.

The page describes the financial component of the program. We are talking about the amount of insurance protection and its cost for the year. Insurance protection options and the cost of the policy are also indicated. It also defines the risks that the policy protects against and its validity period.

Sberbank products

Sberbank offers different types of policies under the life insurance program in your personal account. Among the most popular:

protecting loved ones online;
protected borrower online;
travel insurance online.

In addition, the list includes insurance against accidents and illnesses. As well as popular investment and savings life insurance.

Savings and investment insurance - how to apply for it?

You can also take out savings and investment insurance in your Sberbank personal account.

The accumulative life insurance program allows you to accumulate the required amount by a specific date, and also in case of unfavorable situations with health and life - to obtain insurance. Clients of two banking products – Sberbank Premier and Sberbank First – can participate in this program. Thanks to the program, each participant has the following opportunities:

save for certain goals for the child, for example, education, first purchase, mortgage payment;
preserve funds by taking advantage of the program's tax and legal benefits.

How to use the office?

You can report the occurrence of an insured event online.

Notification about the occurrence of an insured event

You can also check the status of your application by entering your email and application number in the fields.

Application status

In your Sberbank personal account, you can carry out all operations on programs in which the user participates. To do this, you need to refer to the life insurance program and the section that interests the user. Next, select a service option. If necessary, you can make another payment. It is established by the client in the contract and can be one-time, annual, semi-annual or quarterly.

In this case, protection is provided in full immediately after the first payment is made. The target savings amount is formed from payment to payment. Also in your personal account, options for situations when it is possible to obtain insurance coverage are indicated. It is paid in the agreed amount and does not in any way affect the amount of savings.

After the contract has expired, the company makes payment in full. And if investment income was accrued during this period, then it is added to the main insured amount. Payments are made only to the person indicated as the recipient of the insurance payment. In your personal account you can resolve all issues without leaving your home.

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.