Capital Life Capital Life Life Insurance

Capital Life is an agent company in the Russian life insurance market. More than 10 thousand employees of the company work throughout the country. Capital Life ensures the well-being of more than 5 million Russians. Employees of more than 6 thousand companies are under insurance protection.

Performance indicators

2024: Profit growth 24% to ₽1,4 billion

Net profit of the insurance company "Capital Life" in 2024 increased by 24% and exceeded ₽1,4 billion. Total charges also showed growth, reaching ₽24,7 billion, up 16% from a year earlier in 2023. This became known on March 17, 2025.

According to the press service of Capital Life, the most successful area was funded life insurance (NSZ), where fees increased by 27.4%. The share of NSJ fees in the life insurance company's portfolio was 84%. According to the Bank of Russia for 9 months of 2024, Capital Life ranks first in the life insurance market in terms of the number of long-term life insurance contracts (excluding credit life insurance) lasting more than 5 years - 556 thousand contracts.

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Фото: Freepik

The company's health insurance fees amounted to ₽2,8 billion. Capital Life has 281 thousand voluntary health insurance contracts (VHI), which, according to the All-Russian Union of Insurers, provides the company with one of the leading places among life insurers in the Russian market.

In 2024, Capital Life settled 911 thousand insured events under life and health insurance contracts and paid customers ₽16 billion in 71 regions of Russia.

The company continues to develop the healthy lifestyle ecosystem by combining cumulative products medical with insurance programs and modern digital solutions. In 2024, a medtech startup was added to the Capital Life digital platform, Checkme on the basis of which the company launched its own digital clinic LIFE.clinic. The insurer also integrates the neural network model from Gigachat Russian developers business processes into customer services.

In March 2025, Capital Life received a license from the Bank of Russia to manage investment funds and is preparing to bring equity life insurance programs to the market.^[1]

2024: Purchase of Checkme Health Service

On July 18, 2024, the insurance company Capital Life (Capital Life Life Insurance LLC) announced the acquisition of 100% of the medtech startup Checkme, a digital medical platform specializing in innovative healthcare solutions. The transaction was carried out on July 15, 2024 as part of the Capital Life technology development strategy in the field of voluntary health insurance (VHI). Read more here

2021: The court upheld the claim for the payment of a fine of 12.3 billion rubles by Rosgosstrakh in favor of the company

The state insurance company Rosgosstrakh will have to pay 12.3 billion rubles. in favor of Capital Life Life Insurance.

On December 7, 2021, Rosgosstrakh lost the case in court at the suit of its former subsidiary Capital LLC life life insurance "associated with an agency contract. The contract provided for a large volume of sales of Capital Life Life Insurance insurance products. After Otkritie FC Bank became the new owner of Rosgosstrakh, and Capital Life Life Insurance was transferred by Danil Khachaturov to Evgeny Giner in 2018, Rosgosstrakh decided to stop selling Capital Life Life Insurance life insurance policies.

The contract concluded by the two companies provided for significant penalties for its early unilateral termination. On December 7, 2021, the Court of Appeal ruled that Rosgosstrakh must pay a penalty in accordance with the terms of the contract.

2019

• Capital LIFE has the largest authorized capital in the life insurance market - 4.1 billion rubles.
• In February 2019, CAPITAL LIFE signed a Strategic Cooperation Agreement with Rostec State Corporation.

2018

• Until September 3, 2018, the company operated under the RGS Life brand. Since September 3, 2018, the company has been operating under the Capital Life brand.
• In 2018, ACRA assigned CAPITAL LIFE a credit rating of BBB (RU), the forecast is stable.

2015

In 2015, the company was included by the Central Bank of the Russian Federation in the list of systemically important insurance organizations in the country.

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