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AlfaStrakhovanie-Life LLC. "AlfaStrakhovanie-Life" launched a universal life insurance program "AlfaReserve Accumulative life insurance alpha bank

AlfaStrakhovanie has a reputation as a reliable and stable company. Today, AlfaStrakhovanie Group meets its obligations with the own funds of several companies with a consolidated authorized capital of more than 8.7 billion rubles.

In 2015, in the compulsory medical insurance markets and everything except compulsory medical insurance, the company took 5th place; in the entire insurance market, the Company strengthened its position and rose to 3rd place.

In April 2018, the leading Russian rating agency Expert RA increased the reliability rating assigned to the AlfaStrakhovanie Group in 2003 to ruAA+. AlfaStrakhovanie Group has an international financial stability rating from Fitch - “AA-” on the national scale and “BB” on the international scale with a stable outlook. The high reliability of insurance operations is supported by reinsurance programs in the largest companies in the world - the Munich Reinsurance Company (MunichRe), the Swiss Reinsurance Company (SwissRe), the Hannover Reinsurance Company (HannoverRe), SCOR (SCOR), the Cologne Reinsurance Company (GenRe), in PartnerRe ( PartnerRe), as well as Lloyd's of London corporation.

AlfaStrakhovanie-Life was created at the end of 2003 as a specialized life insurance company within the AlfaStrakhovanie Group. We have set ourselves the goal of offering our clients the best insurance products, the best conditions and the best service, and our partners the best conditions and the best marketing materials. And already in 2012, the company became the market leader in the banking segment. Participation in professional associations. AlfaStrakhovanie-Life is a member of the Association of Life Insurers and is a member of the All-Russian Union of Insurers.

Alpha Insurance Life LLC official website is a service for remote information and servicing of clients wishing to enter into an insurance contract against the risks of adverse consequences: illness, threats to the client’s health and life.

The Alfa life insurance company (official website) was included in the register of legal insurers in 2003 and has consolidated its position in the market for providing services to protect the life and health of citizens, offering its clients the best conditions and insurance service products.

Since 2012, IC has taken a leading position in the field of life insurance for borrowers in the banking segment. Alfa life insurance is a member of the Association of Life Insurers.

Life protection from Alfastrakhovanie LLC - official website

The development of life insurance programs of Alfa Insurance Life Insurance takes place in the following areas:

  1. Risk insurance for borrowers in case of inability to make loan payments.

The borrower's life insurance program has the following undeniable advantages:

  • Timely and complete fulfillment of the borrower’s obligations to the bank under the loan agreement.
  • Maintaining a positive credit history.
  • Protecting loved ones from the risk of transfer of loan repayment obligations to them.
  1. Life insurance using the principle of accumulation of funds. This product includes:
    • Pension, children's and reserve programs for protection against adverse consequences. The main advantage of the savings service is the ability to fulfill obligations for the client of the insurance company in the event of his disability or illness. Upon death, relatives of the insured person receive significant cash payments from the insurer.
    • Carrying out life insurance with investing money in the future means making a profit without fear of losing your funds with a guarantee of return of invested funds up to 100% inclusive in the event of an unfavorable economic situation.

Important! More detailed information about Alfastrakhovanie Life - Investment LLC can be obtained on the official website of the insurer.

Partner banks

The list of credit institutions - partners of the insurance company is very diverse and extensive:

Why Alfa life insurance

The guaranteed fulfillment of the insurer's obligations to clients is ensured by the support of the largest banks, whose ratings are confirmed by Sberbank of the Russian Federation.

The investment policy of Alfastrakhovanie Life LLC is based on the following principles:

The company's solvency is reliably protected by global reinsurance organizations of the world insurance community:

Conclusion

The official website of Alfastrakhovanie Life LLC is formed in the form of the largest Internet resource with a user-friendly interface, which includes services for fully informing clients about insurance products, providing reliable and up-to-date information about the insurer, equipped with convenient services for selecting and describing the necessary life insurance programs.

In some banks, obtaining a loan is impossible without signing an insurance agreement. Moreover, according to the law, this procedure is absolutely voluntary. In fact, some employees ignore the Civil Code of the Russian Federation (Article 935) and force their clients to purchase an insurance policy. One of the striking examples is Alfa Bank. It is worth considering in more detail the process of refusing an imposed service.

Alfa Bank has developed an income, life and health insurance program for its clients. The service is relevant for both credit borrowers and debit card holders. The program provides for the following insurance cases:

  • Dismissal.
  • Reduction of position.
  • Liquidation of the enterprise where the borrower is employed.
  • Death of the borrower.
  • Receiving disability.

If any of the above cases occurs, the insurance company will provide assistance in repaying the loan. The amount of payments varies depending on the situation:

  • If the borrower has lost his job, he can count on assistance in paying 3 monthly payments.
  • The death or acquired disability of the client will oblige the organization to pay the full amount of insurance.

Each borrower determines the need to obtain a policy independently. Please note: purchasing insurance increases your loan amount.

How to refuse

The client has the right to return the loan insurance without resorting to court assistance. The procedure must be completed within 5 working days after the conclusion of the relevant agreement. The date of the latter is considered to be the moment of transfer of funds to the company. Once the application for refusal has been accepted, the insurance is suspended.

Return of insurance to AlfaStrakhovanie-Life is possible if you have the following documents:

  1. The corresponding application, the form of which can be found on the official website or downloaded below.
  2. Signed contract.
  3. A photocopy of the receipt confirming payment of the required insurance premium.

The prepared papers must be sent to the head office of the organization. Important: Keep a copy of your application for yourself.

Going to court

How to get your insurance money back if:

  1. The allotted 5 days have passed.
  2. The bank refused to return the funds and terminate the insurance agreement.
  3. Did the client not know about the existing insurance?

The most correct and effective way out of the situation is to file a claim. It is necessary to prepare copies of the following documents:

  • Application for cancellation of the insurance contract.
  • The agreement itself.
  • Loan agreement.

The client should go to court with the package of listed papers. Do not forget to take the refusal previously received in writing.

If the loan is paid

It is difficult to get your insurance money back if the “cooling off” period has passed. This is considered to be 5 days after making the first payment.

To get his funds, the client will have to go to court. There is a chance to win the case, but the process may take a long time. However, it will not be possible to return the entire amount.

If you try to pay off the debt ahead of schedule, you will be able to get rid of insurance contributions much faster. This is most beneficial for situations where the agreement with insurers was not concluded for the entire loan period.

Refund amount

If you cancel insurance during the “cooling-off” period, the client will receive the entire amount, with the exception of payment for the period of validity of the contract. For example, the application was submitted on the 4th day after the first insurance and loan payment. This means that the money will not be returned in full, but minus payment for 4 days of insurance.

After the cooling-off period, the bank may refuse to issue a refund. This is illegal, which means the policyholder has the right to file a corresponding claim.

Don't panic if you wait a long time for an answer. A properly prepared application, as well as compliance with the required deadlines, will play into the hands of the organization’s client.


How to return Sberbank insurance on a loan or refuse to take it out

You can apply for a waiver of voluntary loan insurance in 2 ways:

  • immediately at the time of discussing the terms of the loan, without initially agreeing to buy an insurance policy;
  • after receiving the loan money and concluding the insurance agreement.

Alfa Bank offers comprehensive protection for both borrowers and cardholders. The insurance package is called “Income, Life and Health Protection”. The essence of insurance is that the insurance company assumes the authority to repay the loan in cases covered by the insurance, namely:

  • Dismissal of the payer;
  • Reduction of payer position;
  • Closure of the organization in which the payer works;
  • Death of the borrower;
  • Obtaining disability under any circumstances.

Payments will be made as follows in the event of an insured event:

  • In case of job loss, insurers undertake to pay 3 monthly payments;
  • If the borrower dies or becomes disabled, the company undertakes to pay the full amount of insurance.

Considering the unstable economic situation in the country and the world, perhaps loan insurance makes sense. In the USA, for example, loan insurance is a normal practice and has become the norm. But whether it is worth taking out insurance is up to you.

– a specialized life insurance company of the AlfaStrakhovanie group. The AlfaStrakhovanie-Life insurance company was created as a specialized life insurance company within the AlfaStrakhovanie group.

The AlfaStrakhovanie Group unites: AlfaStrakhovanie OJSC, AlfaStrakhovanie-Life LLC, AlfaStrakhovanie-OMS LLC and AlfaStrakhovanie Medicine LLC.

Please inform me of the decision made and the date of transfer of money to my account.

The application was registered under entry number 4729998. Please clarify at what stage the application is now?

And when will the funds be returned to the account specified in the application? Money does not arrive. Tracking of the postal item showed that my letter was received by the addressee on October 23, 2018.

How to refuse imposed insurance

The important point here is whether this insurance was interconnected with the loan agreement. If this is the case, you need to look at the terms of the loan agreement, credit agreement and other papers signed by the borrower. You need to pay attention to the following issues:

  • is insurance one of the borrower’s obligations;
  • whether it reduces the interest rate of a specific loan agreement;
  • consequences for the borrower if he refuses insurance.

If the presence of such a policy is included in the terms of the agreement, then by refusing it, the borrower unilaterally changes the terms of the loan agreement with all the ensuing consequences.

You have the opportunity to issue a refund of loan insurance without going to court within 5 business days from the date of payment of the insurance premium. It is the payment that is considered the moment the insurance contract is concluded.

It’s hard not to notice this, because Alfabank charges the full cost of insurance. Unless we are talking about credit card insurance.

Here the insurance will be charged along with the loan payments. What you need to do to cancel your Alfa Insurance insurance:

  • Application for refusal of insurance (on the Alfastakhovanie website there is a form that you will need to fill out and print, this will save you time);
  • Attach an insurance contract;
  • A copy of the document confirming payment of the insurance premium.
  • Send the collected documents to the head office of AlfaStrakhovanie-Life LLC

If everything is done correctly, the insurance contract will be canceled and the funds will be returned to you. We recommend that you make a copy of the application in case of refusal.

The consumer has the right to independently decide whether he needs to purchase a personal insurance policy or not (as opposed to compulsory car insurance).

According to the legislation of the Russian Federation, insurance is a voluntary procedure, which gives every client who has purchased it the opportunity to refuse the purchase. Alpha life insurance has certain conditions, compliance with which gives clients the opportunity to cancel insurance.

According to the law, there is a period of 5 days during which any citizen who has purchased an insurance product can refuse it. Alfa insurance offers its own “cooling off period” and it lasts 12 days, although for some insurance products this period may be longer.

If you cancel Alpha Insurance services within a 12-day period, you will receive a refund of your insurance premium, minus the days the product was in effect. Thus, the main thing that the client should focus on is the period for drawing up the insurance contract.

If the cooling-off period has passed, then refusal of insurance and termination of payments can be issued only if the fact of insurance was hidden from the consumer. However, it is possible to prove that the insurance was issued by default and to obtain cancellation of the agreement only in court.

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Refusal for early repayment

Is it possible to issue a waiver of alpha insurance-life insurance upon termination of debt obligations? Unfortunately, according to the insurance contract, an amicable method of resolving such claims is not provided.

The most interesting thing is that this behavior of Alfa Insurance is completely legal. According to Article 958 of the Civil Code of the Russian Federation, the policyholder has the right to a refund of the premium upon early repayment of the loan, but the insurance company may not return the money if such conditions were not specified in the insurance contract.

Waiver of insurance

Early repayment of borrowed funds is an independent basis for terminating personal insurance related directly to the loan. This return scheme is not suitable for corporate life insurance.

Loan agreements, if they provide for the protection of the borrower’s life, then for the entire period of the loan. At the same time, insurers have certain age requirements for life insurance clients, namely:

  • at least 18 years of age;
  • no older than 75.

Insurance contracts cannot be shorter than one year.

All funds paid by the borrower to the insurer before the loan is closed are non-refundable, except if the applicant raises the question of the invalidity of the insurance contract as a whole on the basis of:

  • unreasonable imposition or coercion of a conclusion on the part of the bank;
  • gross violation of current legislation.

In this case, both the credit institution and the insurer will be defendants in the case. If the agreement is declared invalid in court, all funds paid under it will be returned to the plaintiff.

By submitting an application, accompanied by a letter from the bank about the closure of the loan agreement, the borrower can expect to receive a refund of the amount deposited into the insurer's account and covering the period after full settlement with the bank from the moment the loan agreement is closed.

Termination of the contract and refund of funds is possible provided that the agreement with the insurance company provides for this. If there is no such provision in the document, then the issue can only be resolved in court, since the insurance company will refuse to return the money.

Before going to court, it is advisable to have an idea of ​​how much money you can expect in return, and whether it is even worth undertaking an expensive and lengthy legal procedure. The state fee is paid by the plaintiff before going to court. Its size will depend on the amount of the claim. If the plaintiff loses the case, it cannot be returned.

Unfortunately, after a period of “cooling”, i.e. 5 days after payment of the first installment. Unfortunately, it is impossible to return the money without going to court if this period has passed. Such litigation often drags on for a long time, but there is always a chance to defend your rights.

It will not be possible to return the insurance money in full, but if an agreement was concluded on periodic payments of the insurance premium, then you have the opportunity to repay the loan ahead of schedule and be freed from debt obligations to insurers.

If you decide to suspend your insurance after the cooling-off period ends, the bank may, of course, refuse to issue a refund. But this will be illegal and you can demand a refund through a pre-trial claim or court for the days of insurance that have not passed.

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The policy is suspended from the moment you fill out an application for waiver of loan insurance, and not from the moment it begins to be reviewed, so you don’t have to worry that there is no response for a long time. Of course, it makes sense to communicate your reluctance to use insurance as early as possible. The payment will be slightly less, but the money will be returned to you.

The policyholder must send an application to the insurer to terminate the contract and return the money before the end of the five-day period from the date of registration of the service. In the case of the AlfaStrakhovanie-Life company, this can be done either at the insurer’s office or by mail.

To speed up the process, the following documents should be attached to the application:

  • insurance contract (copy);
  • receipt confirming payment of the premium (copy).
  • Call AlfaStrakhovanie at 495 788 0 999 (in Moscow) or 8 800 333 75 57 (toll-free within Russia) and report an insured event;
  • Provide the policy, document confirming payment of the insurance premium, application and certificate from the competent authorities to AlfaStrakhovanie;
  • Get paid.

If you intend to cancel Alfa Life Insurance, then you should refer to the insurance contract and begin collecting the documents necessary to terminate the policy, if no more than 14 days have passed since the agreement was issued. It is in your best interest to prepare and submit your documents as soon as possible.

The documentation package for waiving insurance for an Alfa Insurance-Life loan looks something like this:

  • Insurance contract;
  • A copy of the receipt for payment of the insurance premium;
  • Copy of civil passport;
  • Declaration of refusal.

All these documents must be sent to the head office of Alfastrakhovanie-Life LLC at the address: 115162, Moscow, st. Shabolovka, d.

31. Page B, AlfaStrakhovanie-Life LLC.

The application template is posted on the company’s official website in a special section https://aslife/client/ask/otkaz-ot-dogovora-strakhovaniya. A sample application is also available here, which you should read before filling out the template.

If you require additional information, you should call 8 800 333-84-48, where the operator will answer all questions related to refusing insurance in Alfastrasovaniye-life. We recommend that you make a copy of the application before sending it, and send the documents and application by registered mail with acknowledgment of receipt.

This way you will have evidence that you submitted your request to terminate the contract on time and met the deadlines. This may be necessary to resolve your difficulties through legal action.

So, the loan has been received and the money has been paid for it. How is insurance refund carried out at AlfaStrakhovanie-Life? Is it even possible to get the insurance back? Absolutely yes.

The Central Bank of the Russian Federation has issued a resolution regulating the process of issuing and canceling an insurance policy. According to it, all banks, when applying for a loan, are required to indicate in the contract the possibility of waiving insurance.

A person who has taken out a loan and purchased an insurance policy from AlfaStrakhovanie-Life has the right, within 5 working days after registration (the so-called “cooling off period”), to refuse this insurance and return the money for it.

The sooner you return the insurance, the greater the likelihood of receiving the full amount. That is, the insurance company will not take a percentage of the cost of insurance.