PPF "Life Insurance" - reviews

The insurance culture in Russia is not developed enoughOK. Both sides of the transaction perceive the service as a way of earning money. And to achieve significant success in this segment of the market, it is necessary to make a lot of efforts. Some people succeed. For example, PPF "Life Insurance". Customers' feedback on services, quality and nuance of service is described in this article.

History of creation and development

The foundation was founded in 2002 by a foreign companyGenerali PPF. "Life Insurance", "Home Credit Insurance" and "Insurance in Russia" were part of the same structure. In 2013 there was a redistribution of shares. PPF Group, which is a key figure in the international holding of investment companies, acquired a 25% stake in 2013, and then another 24%.

For 13 years of existence in Russia,dozens of customer service programs, which are implemented through its own agent and banking networks. About the achieved results is testified by the rating agency "Expert RA" A ++, membership in the Committee for Combating Fraud LLC PPF "Life Insurance", customer reviews.

The organization actively participates in thenon-profit charitable programs. Much attention is paid to the education of children in the framework of the "Blue Bird" project, which aims to help gifted citizens from socially unprotected families to obtain higher education. The institution also supports the largest Center of Art in Moscow - Vinzavod. The holding operates a biotechnology company that develops medicines for the treatment of tumor diseases. A scholarship is allocated for training oncologists. In March 2015, the project "I want to live!" Was launched, the main goal of which is to contribute to the fight against oncological diseases.

PPF "Life Insurance": the company's rating in 2014

For 9 months of the last year the company has collected more than1.9 billion rubles, and the amount of accrued premium on funded and pension programs amounted to 1.85 billion rubles. This is 23% more than in 2013. The Fund develops its own agent network. More than 4,000 consultants from 83 branches for 9 months increased the volume of collected premiums by 30%, payments grew by 17%, insurance reserves and assets amounted to 6.3 and 7.6 billion rubles, respectively. According to the results of the calendar year, PPF "Life Insurance" became one of the top ten companies on the market.

Company advantages

• A wide range of risks.
• Exemption of the client from payment of contributions for the receipt of a disability group I.
• High level of protection around the clock.
• Possibility to connect options that will help to change the size of the amount, the frequency of payments.
• Preservation of quality of life in the event of emergencies.
• The action of protection is 24 hours a day all over the world.

PPF "Life Insurance" implements programs,which allow each person to manage the budget, create a reserve of money, maintain the material well-being of the family, form a capital for the realization of the goals. The company offers its customers several products designed for people of different ages and lifestyles. Let us consider them in more detail.

The program "Premium"

The policy allows you to insure your life andaccumulate funds for 5-30 years. At the end of this period or in case of premature departure from life a certain amount will be paid. The program allows you to take into account additional options. For example, payment of compensation as a result of death from a dangerous disease or accident (NA).

"Sunny" - the program for children

This insurance rate provides an opportunity to accumulatefunds by a certain date and receive material support in the event of unforeseen circumstances. The program takes into account the age of participants, so it is possible to connect additional options, according to which payment will be made even for minor bodily harm. Insurance cases in the standard scheme are: termination of the contract (5-24 years), premature death of the child or parent participating in the program.

"Gardia"

The package of services from PPF "Life Insurance", whichincludes an expanded set of risks. Payment can be obtained in case of premature departure from the life of a person as a result of NA, deadly diseases. If a person lives out before the expiry of the program, the percentage of contributions paid is returned to him.

"Optim"

The program is aimed at the accumulation of cashmeans, is oriented mainly to the elderly. The tariff allows you to connect additional options. The main advantage of the program is the indexation of cash.

"Family Option"

The new program from PPF "Life Insurance"which appeared only in May 2015. Five people in the family can become parties to the contract: two adults (18-70 years) and three children (1-17 years old). The policy provides for payment in the event of a burn or fracture, disability, or loss of life as a result of the National Assembly. The policy is for 1 year.

Reviews

The most popular tariff is "Sunny". In theory, the program allows you to receive compensation even for small scratches and cuts on the child's body. To do this, you must provide an extract from the clinic and the results of the analyzes in the PPF "Life Insurance". Payment is made within 2 weeks. This is evidenced by customer feedback on the forums. However, the timing of payment of reimbursement largely depends on the specific insured event. If it is a person receiving a disability as a result of an accident or a disease, the waiting time may increase to 1 month. In general, most customers remain satisfied with the cooperation with the company. There are, of course, negative feedback. But they concern either the disrespectful attitude of the company's employees to clients, or the problems that have arisen because of the ignorance of the rules of the application for a refund. In order to reduce the risk of receiving a refusal to pay, it is necessary to treat the policy in advance with due attention.

5 common beginner errors

Life insurance is unreliable.

Reduce risks in long-term financingit is possible, if you choose a company that adheres to a conservative approach in investments: it invests reserves in state securities and corporate bonds.

Life insurance is an investment, and then protection.

This service is aimed at reducing risks inin case of health problems. Although funded insurance allows you to form some capital, but making a profit is not the main goal. Financially attractive this service makes a return of the tax deduction and indexation of incomes.

The only thing that should be oriented is the amount of insurance premium.

When choosing a program, severalfactors: the purpose of investment (protection or accumulation), a set of risks, the duration of the contract. Depending on these parameters, the optimal product is selected.

It is better to buy an insurance program with a minimum set of risks.

Such products provide for the payment of compensationas a result of death or in the event that the client has lived to the end of the term of the policy. They can not demonstrate all the benefits of the service or financially protect a person in the event of injury, disability.

Non-actualized information.

Once a year you need to revise the contract,to verify the accuracy and correctness of the data indicated. If life circumstances have changed (marriage, divorce, childbirth, increased income), then it is necessary to adjust the program so that the sum insured can cover the families' financial needs. By the way, untimely updating of data very often serves as a legitimate refusal to pay compensation. Especially it concerns cases when the beneficiary has not been changed (for example, as a result of divorce of spouses).

Conclusion

For more than 20 years of work in the Russian marketThe PPF "Life Insurance" has established itself as a reliable institution specializing in the provision of financial protection and the accumulation of funds. The company offers its clients 5 programs aimed at different groups of citizens, their goals and needs. The basic conditions for each of them can be supplemented. This is one of the advantages of PPF "Life Insurance". Payment of the contribution is made by equal payments within a certain period. In this case, payment can be made directly from the site. High speed of service concerns not only the reception of money, but also their payment. Papers are usually reviewed within a period of up to one month.