Accumulative Life Insurance
For Employees

How your company benefits from insurance
More about the Terms of Insurance

Why Ingosstrakh Life Insurance Company

Optimum design

Each organization can choose the optimum design for their insurance program due to a broad range of insurance programs offered and extra options. Your company can design accumulative programs for your employees or for their family members, as well as programs aimed at the solution of a wide variety of tasks.

Quality service

Quality service: your agreement is supported by an appointed manager.

Special tariffsы

Special tariffs for accumulative corporate insurance (minimum burden).

Broad geographical reach

We can provide insurance to both federal and regional organizations, due to our broad geographical reach.


VHI Programs

You can select any set of options for your VHI package

Risk life insurance (term insurance) + accumulative insurance

Insurance amounts for the risk part and accumulative part of the insurance can differ and are set according to the insuring organization’s request Flexibility: option of changing the terms of your insurance during the period of the program

Extra options of the insurant’s choice:

  • Disability insurance
  • Critical illness insurance
  • Accident insurance
  • Supplementary annuity
  • Admission to the hospital due to an accident

Single insured amount as a survivorship payment and as death insurance

If the Policyholder does not survive until the end of the accumulation period, his/her family will receive the insured amount that was to be accumulated during the insurance period, in full.

Extra options of the insurant’s choice:

  • Disability insurance
  • Critical illness insurance
  • Accident insurance
  • Supplementary annuity
  • Preferential tariffs for accumulative insurance for children of employees
  • Co-financing of programs by the employer and the employee
  • Vesting of the employee’s title to their accumulated amount is stipulated for in the agreement