For certain categories of citizens who fit the category “Sberbank Premier” and “Sberbank First”, in addition to the traditional line of ruble and foreign currency deposits More complex financial instruments specially designed for them are also available.

This is investment and accumulative life insurance, investing in mutual funds. Below we will look at investment insurance.

Peculiarities

The bottom line is that when the period specified in the contract ends, you receive not only the amount that you paid when concluding the contract, but also investment income, the amount of which has no upper limit.

During the entire term of the contract, the client’s life is insured. If an incident specified in the contract occurs before the end of its validity period, the client is returned the insured amount and all investment income received by the time the insured event occurred.

Peculiarities:

• The main feature of this 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 on financial markets, the client has the opportunity to evaluate the entire mechanism of action without incurring any financial risks. He will do all the work for him Insurance Company;
• unlike the contribution, on insurance amount it 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 can choose a highly profitable one yourself 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.

What does Smartpolis give?

Since investment insurance is designed for long term, this means that the client’s money will work outside of his access.

The client has the right to terminate the contract early, but according to its terms, the amount in full plus additional income he will receive it only at the end of the term.

In case of early termination, the client receives a redemption amount. The sooner the contract is terminated, the lower the redemption amount. Such products are designed for a highly profitable audience.

What does the client ultimately get from Sberbank’s investment life insurance:

• financial protection in case of unpleasant surprises related to life and health;
• the opportunity to feel like a participant stock market, while entrusting your money to professionals;
• the opportunity to preserve and increase your capital, which is especially important during a crisis;
• he can be sure that in the event of his death, the beneficiaries will receive the money in a month, and not in six months, as provided by law;
• beneficiaries receive double the insurance amount if the client's death was caused by an accident.

Operating principle

Concluding, the client can choose which financial instruments will be used when generating profit:

• global bond fund. Bonds are securities large companies and corporations. In the long term they have profitability. In terms of risk/return ratio, they are the safest, but bring minimal income;
• raw material basket;
• real estate sector. In the instrument, money is invested in global real estate;
• American stock market. The US economy is now one of the strongest in the world;
• new technologies. This tool involves investing in high-tech corporations - Google, Samsung and others. The risk is much higher than investing in bonds, but the potential return is higher;
• RTS index. This is an indicator of our country's economy. Many people underestimate this tool, which is completely unjustified;
• gold. In the world, the total amount of gold can be visually represented as a cube 40 meters high. If you divide it by the ever-growing population of our planet, then each person will receive a piece of gold that is decreasing right before our eyes.

The cost of one gram of gold is constantly growing. Investment in a precious metal potentially profitable. Retrospective shows that the growth in value is uneven, and in the dynamics of price changes, price drops are also possible.

• shares of Sberbank of Russia. Sberbank is the leading institution of Russian banking system, but the price of its shares depends on economic situation in the world. During financial crises the price of securities falls;

When investing, the insurance company follows the principle of “Don’t keep your eggs in one basket.”

Since it undertakes to fully return the entire amount upon maturity, 80% of the entire sum insured is invested in highly reliable instruments.

These are deposits and bonds federal loan. The rest is allocated to aggressive investment instruments.

As soon as the contract expires or an insured event occurs, the client or beneficiary receives the entire insured amount plus investment income.

The amount of income for the entire term of the contract can reach 200%.

Investment income has no ceiling, but it is not guaranteed either. All obligations of the insurance company are to maintain the deposited amount and pay it on time under appropriate conditions.

Client capabilities

A Sberbank client can do the following:

• the client has the right to change the financial instrument at any time. If the selected fund, in the client’s opinion, does not justify trust or the potential of another fund is obvious, then it is enough to simply submit an application indicating a different direction of investment.
• the client can record investment income at any time. This means that the guaranteed payment amount becomes larger by the amount of the fixed income.

• 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 contract can be extended once and for 1 year. The client must indicate his intention no less than a month before the end of the contract.

• In order for the client to be completely satisfied with his investments, Sberbank Life Insurance company recommends:
• do not terminate the contract before its expiration date. Otherwise, there is a chance that the client will remain in the red.
• fix income with minimal positive dynamics.
• Do not confuse the concepts of “guaranteed profitability” and “potential profitability”.
• decide in advance on the period and amount of the amount, taking into account your capabilities.
• Do not focus your attention on market fluctuations. Growth always follows a fall. With growth there is always the possibility of a fall. The fund's chart is not a strictly straight line going up.

Investment insurance is New Product in the insurance market in our country. Now, like any innovation, it frightens the average person and meets with his persistent resistance, mixed with the desire to “do everything the old fashioned way.”

Possessing obvious advantages before deposits, it is intended primarily for people with high incomes, since their financial literacy allows you to overcome prejudices.

Video: Smartpolis

For the convenience of working on the Sberbank insurance service, it is possible to register, which will allow you to create a personal user account. Subsequently, the policyholder will receive up-to-date information on the current policy, enter into new contracts from home and get acquainted with promotional offers for insurance. How to get to your personal account and what you need to do to enhance the use of its functionality.

Using a personal account from Sberbank insurance involves creating a login and password that allows the company’s client to log into his own account. The login and password are set during the registration process, after which the combinations are entered each time you log into your account. In case of loss of authorization data, an option is available to restore the account. It is also applicable in situations where a client forgets his password.

Currently, there is another website of the company, where clients can access at www.sberbank-insurance.ru. The link to your personal account is easy to find there, as it is located in the line of the main blocks. A personal account on the new official website of Sberbank life insurance can be opened not only by the policyholder, but also by the insured person, if he has the contract number in his hands.

Registration procedure

The registration procedure on the Sberbank life insurance website is simple and quick to complete. The main steps in it are:

• On the company’s website, open the “Personal Account” block;
• Select registration function;
• Enter the necessary data in the registration form (full name, date of birth, mail address, telephone number, insurance contract number);
• Click on the “Register” button;
• Confirm the procedure by clicking on the link from the email.

It is worth considering that the sberbank-insurance.ru personal account is opened subject to the presence of a valid insurance policy. If the client does not have insurance or its protection period has expired, it is required to conclude an agreement in the office or renew a previously executed document.

During the registration process, the client comes up with his own login and password. Moreover, the password must contain not only capital letters, but also capital letters with the combined presence of numbers and special characters. If you refuse to set a password, the service provides a hint to change the entered combination.

Authorization process

• On the official website, open the “Cabinet” block;
• Select the “Login” item;
• Enter your login and password combinations in the appropriate fields;
• Click on the “Login” button.

Important: The service allows you to first verify that the password you entered is correct by checking the box next to the “Display password text” command. You can correct incorrectly specified characters and enter your personal account using the exact password.

If you provide the correct information, the main page of your Sberbank Insurance RU personal account will load. You can authorize using your Sberbank Online account.

Access recovery

If a situation arises when you lose your login-password combination or just your password, you should use the recovery function:

• After loading the Personal Account page on Sberbank Life Insurance, go to the “Login” item;
• Next to the “Login” button, find the “Restore access” command and click on it;
• In the “Code delivery method” line, mark the appropriate option;
• Enter the telephone number or mail address in the field depending on the delivery method;
• Click on the “Restore” command.

Based on the specified recovery method, the user is sent a recovery code by email or via SMS message to his mobile phone. At the same time, the window for restoring access is loaded, where you must indicate the received code combination. Correctly entered characters will allow you to log in to your account. After this, the client must set a new password to avoid problems in the future with access to his personal account.

Important: When a client does not remember his login from his personal account, he needs to use the recovery command. After specifying the delivery method, a message with a new password combination will be sent to your mailbox or phone, and the login of the account owner will also be indicated.

The service contains introductory information on working with account Sberbank life insurance client, namely about the registration process in personal account, access recovery scheme and password setting rules. It is listed in the “Information” section, which is displayed in the Menu bar when opening the “Cabinet” block. Here the user can automatically follow the password recovery or account registration link.

What does a personal account give a Sberbank life insurance client?

Tracking information on a submitted application

Registration in the personal account of the Sberbank insurance company allows you to receive up-to-date information regarding submitted applications relating to insurance event or termination of the contract. To do this, you need to use the “Requests” tab, where a list of submitted requests is presented. Next to each item, the status of consideration is indicated.

Unregistered users with policies from Sberbank Insurance also have the opportunity to track the progress of the review through the company’s website. To do this, in the “Cabinet” tab, select the “Insured event” option, where you indicate the current mail address and application number. The latter is awarded when you submit an application through the website or when visiting your personal account. Changes regarding the progress of consideration of the client’s application are formed in a timely manner, and then sent by email to the specified email.

Passed on Sberbank insurance registration actions help speed up the interaction between the client and the company by creating a personal account where the policyholder or insured can promptly transfer funds for purchased policies directly. Authorized users also receive up-to-date information on the progress of consideration of an insurance event and independently renew policies without visiting the office.

One of the most profitable financial investments is the use of insurance services from Sberbank. This financial instrument allows you to provide yourself and your property with protection from the bank, which in case of unforeseen situations will issue a pre-agreed amount of compensation to the victim. Both investment life insurance and a traditional fixed payout option are available.

The Sberbank insurance system provides protection for almost any event in life. Anyone can use the service; it is enough to conclude an agreement and gain access to a separate account on a specially designated website.

All data on the conditions for providing insurance to individuals and their property are located on the official page of the system. A site visitor can independently familiarize himself with the list of services and the rules for their use using detailed instructions, as well as thanks to round-the-clock support from online consultants. To potential clients In the Sberbank insurance system, simple registration is available, after which you will have access to your personal account.

Features and advantages of the insurance system

Insurance products

To use the services provided by the insurance company to its clients, a minimal financial investment will be required on the part of the system user. Small monthly contributions won't hurt family budget, but thanks to them, any unforeseen situation in life will be resolved much easier. Using the Sberbank insurance system, an individual, after the expiration of the contract, will receive 100% compensation for all funds spent on paying regular contributions.

During registration, the client will be offered one of the existing programs, consisting of the following parameters:

Regardless of whether an insured event occurs or not, the client of the service will receive compensation with a minimum amount equal to 100% of the amount invested. Thanks to the round-the-clock operation of the personal account, the user will be able to issue a policy at any time, as well as view the latest information on personal account. In addition to the main functions of Sberbank Insurance, the site offers Additional services, such as online consultation with a specialist and provision of data on current offers via email.

Registration and service capabilities

To gain access to your personal account, you will need to go through a simple registration procedure on the company’s official website. To do this you will need an address. Email, mobile phone and passport of a citizen of the Russian Federation.

Registration

The entire registration process is as simplified and intuitive as possible, thanks to which even a person who has no experience in operating a computer can gain access to the system.

After entering the data, an activation code will be sent to your email

Activation code

When using Sberbank Insurance services for the first time, the user will be offered the following choice:

• selection of persons to whom the policy will apply. Three options are offered - spouses, children and parents. Depending on the choice made, access to types of insurance coverage may change;
• a policy program that specifies unforeseen events that serve as the basis for payment of compensation. In the Sberbank insurance system, you can select both a whole group of situations and their individual elements;
• a choice of the amount that will be paid in the event of physical damage or financial damage as agreed upon by the parties is provided. The amount of the monthly contribution will depend on this parameter.

Personal Area

By choosing the appropriate conditions provided by Sberbank services, the company’s client will receive a reliable partner who will help reduce Negative consequences in the event of unforeseen circumstances that pose a threat to physical or financial condition person.

Will provide an opportunity for relatives to receive financial assistance in case of adverse incidents affecting the health and life of the family breadwinner.

Protecting loved ones Online

It will provide you and your loved ones with reliable insurance protection in the event of adverse events.

Protected Borrower Online

Borrower's life insurance mortgage loan PJSC Sberbank- this is financial protection of the client’s obligations to the bank in the event of the borrower’s loss of ability to work or his death. The client can be sure that insurance payment Sberbank Life Insurance fully compensates his obligations on the mortgage loan.

Travel Insurance Online

A Travel Insurance policy will provide you with reliable insurance protection in various situations that may arise during your trip.

Accident and illness insurance

Will provide you and your loved ones with reliable insurance protection in case of unforeseen health-related circumstances.

Endowment life insurance

The life and health insurance program makes it possible to accumulate the required amount by a certain date and receive reliable insurance protection in case of adverse events with health and life.

Investment life insurance

An investment and insurance product that combines the possibility of potentially unlimited income and insurance protection.

Insurance services under the Insurance Programs Protection of Loved Ones and Head of Family are provided by Sberbank Life Insurance LLC, 115162, Moscow, st. Shabolovka, 31G, tel. +7 800 555 5595 (24 hours a day, calls within Russia are free). License for insurance SL No. 3692 (type of activity - voluntary personal insurance, with the exception of voluntary insurance life) issued on March 5, 2015 by the Bank of Russia (for an indefinite period). Official site www.sberbank-insurance.ru
Insurance services under the Insurance Programs: Travel Insurance, Home Protection, Card Protection, Mortgage Insurance are provided by Sberbank Insurance LLC, 115093, Moscow, st. Pavlovskaya, house 7, tel. +7 800 555 5557, (working hours: Monday - Friday from 9:00 to 19:00 Moscow time), licenses from the Bank of Russia to carry out voluntary property insurance SI No. 4331 and for the implementation of voluntary personal insurance, with the exception of voluntary life insurance SL No. 4331, issued by the Bank of Russia on August 05, 2015 for an indefinite period). Official website sites www.sberbankins.ru .
The formation and purchase of insurance policies is carried out on the official website of the Insurer providing the insurance service.
With more detailed information about insurance policies, list of insurance risks, exceptions from insurance coverage, the procedure for determining the insured amount and the amount of insurance payment (including the limits of the insurance liability), the conditions for concluding an insurance contract, as well as other insurance conditions, you can find on the websites

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 banking products. Some of them are highlighted in individual 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.

Login using login and password

You can open your personal page after you have signed an insurance contract with 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 the number mobile phone 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.

Login and password

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 life insurance program in your personal account different types policies. 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.

Program endowment insurance life allows you to accumulate the required amount by a specific date, as well as in case of unfavorable situations with health and life - 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.

In the latter case we're talking about that the personal income tax tax base can be reduced by the Central Bank refinancing rate. Insurance payments are not subject to income tax individual. 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 company shares RTS index, Sberbank, the first link in the US economy. In addition, you can invest in real estate and gold.

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.