Sberbank insurance oms. Sberbank insurance
Life and health of an individual in the event of an accident, illness, disability or death. The beneficiary can be either the Bank or another person designated by the insured.
Insured events
- Death of the insured person (borrower) as a result of an accident or illness
- Loss of capacity for work by the insured person (borrower) and the establishment of a disability group I or II as a result of an accident or illness
- Temporary disability
New services
- Remote medical consultation
- Secondary distance medical opinion
Tariff for connecting to the insurance program
Voluntary life and health insurance of the borrower - 2.4% per year
Voluntary insurance of life, health and in connection with involuntary loss of work - 3.6% per year
Voluntary life insurance and in case of diagnosis of a critical illness - 3.6%.
Voluntary life and health insurance of an individual with a choice of parameters - 2.6% per year
The program is carried out in partnership with IC Sberbank Life Insurance LLC (Central Bank SZh license No. 3692 dated 04.07.2016, SL No. 3692 dated 04.07.2016. Address: 121170, Moscow, Poklonnaya st., 3, building 1).
The client has the right to purchase protection from any insurance company.
Sberbank Life Insurance LLC is the largest Insurance Company, specializing in life insurance, accounting for about 100% of the insurance portfolio in 2017. Is a subsidiary of the largest bank Russian Federation- Sberbank of Russia. In 2017, in terms of the amount of collected premiums, the company ranks second in the general ranking of Russian insurers and is the leader among insurers specializing in life insurance. The company's products are presented in the entire branch network of Sberbank in the Russian Federation, as well as in the offices of partner banks. The head office of the company is located in Moscow.
Sberbank Life Insurance Company, specializing in life insurance, was established in 2005. Then the company was called Alliance Life and was a subsidiary of one of the world's largest insurance groups - the German Allianz AG. However, after Allianz increased its stake to 100% in its other subsidiary company, the Russian insurer OJSC ROSNO (now JSC IC Alliance) at the beginning of 2007, Allianz life insurance operations in Russia began to be carried out through the structure “ Alliance ROSNO Life "(now - IC Alliance Life LLC).
In 2011, when the consolidation of the portfolios of Allianz life insurance subsidiaries was completed, Alliance Life did not have any clients. At the end of 2010, the company ranked 426th in the market in terms of insurance premiums (9.5 million rubles). At the end of 2011, Alliance Life was purchased by the largest credit institution countries - Sberbank of Russia, which decided to develop promising direction for endowment and investment life insurance on the basis of its own insurer (the transaction amount was not disclosed).
The company, which received the new name "Sberbank Insurance", began work in the fall of 2012, offering the bank customers products for voluntary life insurance of borrowers, long-term accumulative life insurance and new for Russian market product - investment life insurance. At the same time, long-term life insurance became the main specialization of the company. Sales of insurance products were carried out through Sberbank's powerful distribution network throughout the country. At the same time, the insurer began to implement a project to improve the efficiency of processes - to centralize document flow with Sberbank, to introduce an insurance IT system. At the end of 2012, just three months after the start of work on the market, IC Sberbank Insurance managed to take the 12th place among the Russian largest life insurers (the amount of collected premiums - 522.2 million rubles, and about 80% of this amount accounted for for long-term products).
In 2013, the insurer entered the top 3 of the life insurance market and ranked 21st among the largest insurance companies in Russia (the amount of collected premiums was 9 billion rubles, 8 billion of which were long-term insurance policies). Sberbank Insurance plans by 2018 to occupy about 50% of the accumulative and investment life insurance market in Russia and 25-40% of the risk life insurance segment. The company intends to achieve this, among other things, through the start of active sales of insurance "box" products for the mass segment of customers (now the company's long-term insurance products are aimed at people with an income above average). Since the summer of 2014, the company has been operating under the name Sberbank Life Insurance and has consistently demonstrated growth in key financial indicators.
The company is an active member of the Association of Life Insurers and the All-Russian Union of Insurers.
The sole shareholder of the company is Sberbank of Russia PJSC, 50% of the shares of which belong to To the central bank RF.
Over the past few years, the volume of the insurer's receipts has increased sharply: in 2012, fees increased by more than 70 times, in 2013 - 17 times, in 2014-2015 - by 302.98% and 20.7%, respectively, and at the end of 2016 - by 48.71%. In 2017, the insurer collected 102.08 billion rubles of premiums, which is 55.86% more than in the previous year (in 2016 - 65.49 billion rubles), of which 84.76% are receipts from contracts with retail customers and 15 , 24% - with legal entities. The amount of payments to the company in 2017 amounted to 5.28 billion rubles, the level of payments - 5.17%. For 9 months of 2018, the insurer received 123.01 billion rubles of premiums, which is 75.26% more than in the same period of the previous year (in 2017 - 70.19 billion rubles). The amount of payments for this period amounted to 8.61 billion rubles, the level of payments - 7.0%.
At the end of 2017, 99.3% of the insurer's portfolio is life insurance (of which 22.78% is life insurance of the borrower). The share of insurance contracts against accidents and illnesses, together with voluntary health insurance, was 0.7%.
Almost the entire volume of premiums in 2017 was collected by the company with the help of intermediaries, average agent's commission amounted to 12.15%.
At the end of 2017, the company received 13.32 billion rubles of net profit under RAS, which is 47.11% more than a year earlier (in 2016 - 9.06 billion rubles). Comprehensive income under IFRS in 2017 increased by 37.51% compared to the previous year and amounted to 12.53 billion rubles (revenue for 2016 - 9.11 billion rubles).
According to individual reporting insurer for 2017, the number of insurance agents-legal entities was 4 units. (there are no individual agents).
Management: Alexey Leonenko (General Director), Mikhail Erofeev, Natalia Belova, Olga Postolenko, Tatiana Moor, Irina Egorova, Ekaterina Kolomentseva.
Board of Directors: Alexander Bondarenko, Vladimir Ryumin, Vladimir Slipenkin, Dmitry Kuklin, Konstantin Vetkov.
Company partners
Banks: Sberbank of Russia PJSC, Setelem Bank LLC, Gazprombank JSC.
* Sberbank of Russia Group is a state-owned holding structure of large assets in the banking, insurance and other segments of the financial sector in Russia and abroad, as well as industrial and other non-financial assets. The controlling stake in Sberbank of Russia is owned by the Russian Federation.
Sberbank is rightfully the leader among other credit institutions. And this is determined not only by the prevailing number of clients, but also by the huge selection of banking products. Some of them have been spun off into separate companies owned by Sberbank. For example, Sberbank offers life insurance to all its customers and not only.
On the official website of Sberbank, life insurance is possible by going to a special section. Clients of Sberbank connected to their personal account online can become members of the program.
It is as easy to get access to the personal account of Sberbank for life insurance as to register a personal account on the Rusfinance website -
Features of registration in the personal account of the insured
On the Sberbank website for life insurance, a personal account is needed to view history and perform a number of other functions.
Login by login and passwordYou can open your personal page after you have signed an insurance contract with credit institution... By accessing the official website of Sberbank, life insurance is possible after entering your personal account.
Authorization
This requires a username and password. If a client of Sberbank uses the services of the site for the first time, then he needs to register. This is the second section that is presented on the page. Besides them, there are others here:
- insurance case;
- information.
Personal data will be required to register the policyholder. The service warns that the information must be specified exactly as it was written in the agreement between the client and Sberbank. Next, the date of birth is indicated.
Full name, date of birth
The next step is for the user to select the product for which the contract has been concluded. You need to find it in the proposed list.
Personal data
At the time of registration, information such as numbers and series of the insurance contract must be indicated. If there are several such contracts, you can specify any. You also need to enter your mobile phone number and email address. The last step is to come up with a username and password. The secret code must be reliable to exclude unauthorized persons from accessing the Sberbank website. To avoid an error, the service prompts you to enter the password characters again.
Login and password
How do I recover my password?
If the password has been forgotten, then the service offers certain actions to recover it. To do this, you need to turn to the Sberbank personal account login page again. Here you will need to click on the password recovery link.
After that, the life insurance service will offer you to choose the password recovery option:
- via email;
- via a mobile phone.
Both the one and the other must coincide with what the user indicated in the contract during registration. They will receive a new password. The first time you log in, you can replace it with another one.
Life insurance programs from Sberbank
Sberbank for life insurance offers users a wide range of programs. On the official website, you should carefully study their conditions, and then choose in personal account... For example, there is the “Head of the Family” program. Within its framework, relatives and friends receive assistance in case of adverse incidents with the breadwinner of the family.
The client receives the policy within a few minutes after filling out the required form in his personal account. The document comes to the email address. Its main advantage is the fact that it operates in any country.
The page tells about the financial component of the program. We are talking about the amount of insurance coverage and its cost for a year. And also the options for insurance coverage, the cost of the policy are indicated. It also defines the risks from which the policy protects and its validity period.
Sberbank products
Sberbank under the life insurance program in the personal account offers different types policies. Among the most popular:
- protection of loved ones online;
- secure online borrower;
- travel insurance online.
In addition, the list also includes insurance against accidents and illnesses. As well as popular investment and endowment life insurance.
Endowment and investment insurance - how to get it?
In your Sberbank personal account, you can also apply for accumulative and investment insurance.
Program endowment insurance life allows you to accumulate the required amount by a specific date, as well as in the event of adverse health and life situations, to obtain insurance. Clients of two banking products can become participants of this program - Sberbank Premier and Sberbank First. Thanks to the program, each of its participants has the following opportunities:
- save up for specific purposes for the child, for example, for education, the first purchase, mortgage payment;
- save funds by using the tax and legal privileges of the program.
In the latter case it comes that the tax base for personal income tax may be reduced by the refinancing rate of the Central Bank. The insurance payout is not subject to personal income tax. These funds cannot be confiscated, collected, and in case of divorce, they are not divided between the spouses, like joint property.
And one more thing - the amount of insurance is inherited by the person who is indicated as the beneficiary. You do not need to wait six months to enter the inheritance, a period of 30 days is determined for this. The investment program of accumulation offers similar conditions. In this case, funds can be invested in different promotions. The choice is always up to the user. These can be shares of companies of the RTS index, Sberbank, the first link of the US economy. In addition, you can invest in real estate, gold.
How to use the cabinet?
Online, you can report the offensive insured event.
Notification of the occurrence of an insured event
You can also check the status of the application by entering your mail and application number in the fields.
Application status
In the personal account of Sberbank, you can carry out all operations under the 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, a service option is selected. If necessary, you can make the next payment. It is set by the client in the contract and can be one-time, annual, semi-annually or quarterly.
In this case, protection is carried out in full immediately after the first installment is made. The target amount of savings is formed from payment to payment. Also in the personal account, options for situations where 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 pays out in full. And if investment income was accrued for this period, then it is added to the main insurance amount. Payments are made only to the person who is indicated as the recipient of the insurance benefit. In your personal account, you can resolve all issues without leaving your home.
The legislation of the Russian Federation provides for the possibility of termination, taking into account the interests of both parties. Each client of the insurer has the right not only to become the owner of the policy, but also, if necessary, to terminate cooperation ahead of schedule on a legal basis.
What is stipulated by the current legislation of the Russian Federation?
The Civil Code of the Russian Federation in most cases provides for the need to return part of the paid Money... The reverse calculation takes into account the period during which former client the company no longer used the services offered. According to this scheme, proportional financial compensation occurs. At the same time, it is recommended to take into account the terms of the contract that is being signed.
Russian legislation permits early termination of a completed agreement at the appropriate request of the policyholder. It is important to take into account that the insured amount paid will not be paid if the contract does not initially stipulate aspects related to the early cancellation of the services provided.
Nuances of termination of cooperation
Cooperation can be stopped not only after the occurrence of a certain event. The following potential circumstances of refusal from the services of insurers are considered:
- the disappearance of the risk of the occurrence of an insured event recorded in the current policy;
- the inability to fulfill the obligations assumed regarding further payments;
- the desire to change the insurer, taking into account the potential benefits;
- violation of the law by the insured, including the provision of inaccurate information;
- mutual decision to change initially set time validity of the contract.
Regardless of the intentions of both parties, on legislative level consider only good reasons for terminating the policy. If the insurer agrees with the arguments of the policyholder, only part of the money can be returned. It is important to be prepared for the fact that the terms of the concluded agreement, first of all, protect the company. Entity should lose on the minimum bar to exclude the serious impact of situations associated with the early termination of cooperation.
How to terminate the insurance contract?
Legislation provides different ways termination of the contract and return of funds. V mandatory the initiator of the termination of cooperation is taken into account.
The insurance contract may be invalidated if the policyholder fails to pay premiums or does not comply with any of the terms of the contract. In this case, the insured person who is a client of the company has the right to submit an official statement of intention to terminate cooperation. At the same time, all sorts of options and possibilities for getting out of the current situations, as well as the requirements that must be met, are spelled out in the current policy.
Termination of cooperation with IC Sberbank Insurance LLC
LLC IC Sberbank Insurance is one of the best insurance companies in Russia. The institution conducts its activities in accordance with current legislation... Each client has the right to be sure that his rights and interests are protected, so he can take advantage of the appropriate opportunities.
Is it allowed to terminate the contract?
Termination of the life insurance contract in LLC SK Sberbank is allowed. but insurance premium is returned only within fourteen calendar days, so the policy should not be legally binding. After the initial term, the termination of the concluded agreement ceases to be advisable, since financial compensation is not possible.
When carrying out the procedure in the first fourteen days, you can provide the details of any bank card, account data or savings book... Representative target audience can take advantage of the most in a convenient way for yourself.
Features of termination of the contract
As we have already managed to understand, the terms of termination of the life insurance contract in LLC IC Sberbank, taking into account the interests of clients, are limited to the first two weeks. At this time, you need to re-visit the Sberbank office center to fill out standard form confirming certain intentions.
The application should include the following information:
- bank details of the account used (the personal account of the client of the institution, as well as the bank's BIK) to receive the insurance premium;
- surname, name and patronymic of the applicant;
- passport data;
- up-to-date contact information (phone number, email address);
- number and date of execution of the insurance contract.
Specialists will consider only those statements that contain the full amount of information. Otherwise, termination of the current policy is no longer possible.
The established package of documents must be attached to the application. This requirement must be met in order for the termination procedure to be carried out in accordance with the current legislation of the Russian Federation. So, the necessary documents (copies):
- valid civil passport;
- document confirming payment for the issued policy;
- valid insurance documentation.
As we have already managed to understand, the issue is not considered without a statement and a documentary package. Given the limited time frame, it is advisable to immediately take care of meeting the existing requirements.
Another option for resolving the issue regarding the early termination of potential cooperation is sending a letter with a statement and other necessary documents... The letter is sent to the following address: Russian Federation, Moscow, Pavlovskaya street, house 7, index 115093.
The countdown of the period during which a decision will be made begins after the receipt of the Application in insurance organization... Funds are returned within seven business days.
How to find out about a refusal to pay?
Within seven business days after the decision to refuse financial compensation is made, a letter will be sent with a clear justification of the reasons. This document will be received by mail. If the insurer knows the email, the message will be duplicated in in electronic format... Justification for refusing to return the money spent for registration insurance policy required.
The legislation of the Russian Federation provides for the possibility of a profitable early termination of the contract with the insurer. Moreover, each organization operates according to a unique scheme, therefore, the conditions of the policy should be taken into account and the established aspects of interaction with specialists should be observed.
Read how to get your life insurance tax refunded, c.
Life insurance at Sberbank is the first step towards improving the quality of life, a guarantee that in unforeseen cases you will have additional protection, a special reserve for solving problems that have arisen. Sberbank has several life and health insurance programs, and everyone can choose the one, the conditions of which will be optimal for him.
Page content
Insurance Head of Family
In average families of Russians, the main income to the family comes from the head of the family, less often - both spouses replenish family budget... The family becomes too tight when the breadwinner loses his ability to work and the ability to provide for his household. Insurance coverage under the “Head of the Family” program provides an excellent opportunity in the event of disability or death of their breadwinner due to an accident, to receive compensation in the form of a financial payment from the insurance company.
What insurance risks does this insurance program cover?
According to the terms of the insurance "Head of the Family", the insured events include:
- establishment of disability of the I or II group to the head of the family due to an accident;
- fatal accident;
- death due to air or railway accidents.
Important! The insurance contract gains legal force only 15 days after the payment of the policy, and its validity period is 12 months from the date of the agreement.
Benefits of an insurance product
The main advantages of the “Head of the Family” insurance are as follows:
- fast registration procedure;
- from the documents, only a passport of a citizen of the Russian Federation is required;
- it is possible to choose the best insurance option from the three offered;
- the policy is valid all over the world;
- protection works 24/7.
Policy cost
The cost of insurance under this program depends on the amount of the insured amount. Sberbank offers a choice of three insurance options, so that each client has the opportunity to independently determine the optimal amount of protection, taking into account their own financial capacity and solvency.
Table. The cost of insurance and the amount of insurance coverage.
Important! In the event of death as a result of an accident in a plane crash or a railway accident, the insurance company pays out an amount of 1 million rubles.
To issue a policy you need:
- Go to the official website of Sberbank in the section "Life and Health Insurance" and choose the type of insurance you are interested in.
- Choose the optimal amount of coverage.
- Fill out the form with personal data.
- Confirm your actions.
- After receiving the policy by e-mail, pay for insurance with a bank card.
Protection of loved ones Online
Everyone who is not indifferent to the fate and well-being of his family and friends, takes care of them and does everything to make them happy and healthy. The policy from Sberbank "Protection of loved ones" allows you to receive financial aid to pay for the treatment of insured persons. The insurance also compensates for losses due to temporary loss of working capacity of the insured during his stay on sick leave, thereby protecting the family budget from unforeseen expenses.
Insurance program options
Sberbank allows customers to independently choose which of their loved ones and relatives will be insured, therefore, it offers three insurance options to choose from:
- "Children".
- "Spouses".
- "Parents".
Important! Persons who belong to one category or another, but do not fall into the age limit, cannot be insured.
Under the terms of each program, under the “Protection of loved ones” policy, life insurance is provided for the Insured himself in case of death as a result of an accident in a plane crash or a railway accident. In this case, after the death of the Policyholder, an additional sum insured is paid.
Who can be insured
Insurance coverage for risks associated with death due to an accident, d / f or plane crash applies exclusively to the Insured, whose age must not be less than 18, and exceed 65 years at the time of the policy.
Insurance coverage for the risks associated with injury applies to the spouses, children and parents of the Policyholder, respectively, with the chosen insurance program. At the time of the conclusion of the insurance cover, the age must be:
- for parents - 35-75 years old;
- for spouses - 18-65 years old;
- for children - 2-24 years old.
You cannot insure persons who:
- younger or older than the specified age category;
- have AIDS or are infected with HIV;
- have serious mental disorders and neuropsychiatric diseases;
- are registered or are being treated in dispensaries (neuropsychiatric or narcological).
The cost of the policy Protection of loved ones
The cost of insurance ranges from 900 to 4.5 thousand rubles, depending on the selected amount of coverage. Everyone can choose at their own discretion, taking into account the possible risks, the best option out of the three proposed.
Table. The amount of insurance coverage and the cost of the policy.
The procedure for applying for an online policy is similar to the procedure for obtaining insurance under the "Head of the Family" program with only one difference - here you need to choose not only the amount of protection, but also the option of the insurance program.
Protected Borrower Online
The borrower's health and life insurance program is the best method for obtaining financial protection obligations of the Policyholder for mortgage from Sberbank in the event of his death or disability due to an accident. In the event of an insured event, the amount owed by the Insured to the bank will be fully repaid by Sberbank Insurance.
What risks are covered by the protection
This insurance program covers only two insurance risks:
- death of the borrower of Sberbank;
- establishment of disability group I or II.
Under the terms of this program, there are age restrictions for health and life insurance of Sberbank borrowers, according to which the Insured must be at least 18 years old and not older than 55 for female borrowers and 60 years for males at the time of signing the insurance contract ... Persons who do not meet these criteria cannot be insured.
The amount insured and the cost of insurance
The sum insured is the balance of the Policyholder's debt to Sberbank on a mortgage loan. The cost of the policy depends on several factors:
- the gender of the borrower;
- age;
- the amount of the loan balance.
You can calculate the exact cost of the policy on the official website of IC Sberbank Insurance LLC, using the electronic form of calculation and having previously answered six questions regarding the health status of the Insured.
How to find out the amount of debt
The cost of the insurance policy depends on the balance of the debt on the loan and these data must be indicated in the contract, therefore, before taking out insurance, it is necessary to clarify the exact amount of the debt in order to avoid misunderstandings. You can find out the amount of the remaining debt to Sberbank:
- through the Sberbank Online remote access system;
- from the operator of the call center of Sberbank, contacting him by phone hotline 8 800 555 55 50;
- in the payment schedule, which is in the loan agreement.
To receive you need to necessary information through the Sberbank Online system, you need:
- Log in to your personal account.
- Open the "Credits" tab.
- Choose a mortgage loan.
- View details about it.
- The balance will be indicated in the "Remaining to pay off" column.
How to get a policy online
You can apply for a policy online on the official website. The algorithm for this procedure is as follows:
- On the official website of Sberbank, open the page "Protected borrower online" in the section "Insurance programs".
- Read the information and click "Checkout online *".
- Answer “yes” or “no” to the six system questions related to the health of the Insured.
- A page for calculating the cost of the policy will open in front of you, on which you will need to fill out a form with data, indicating your gender, date of birth, the amount of the mortgage balance and the start date of the policy, after which the system will calculate the cost of insurance just for you.
- Proceed to the next step by clicking Buy.
- Next, you need to enter personal data (full name, contacts, registration and place of actual residence, marital status, number and date of the loan agreement).
- Click "Continue", after which the page for entering passport data will open.
- Indicate the number, series of passport, by whom and when issued, as well as information about the place of work.
- Confirm your actions.
- Receive your policy by email and pay.
Health and accident insurance
This insurance program is aimed at ensuring the protection of the Insured in the event of unforeseen circumstances and loss of health. Under the terms of this program, the object of insurance is the life and health of the Insured in the event of death or disability of I or II groups as a result of illness or accident. In the event of an insured event, any person or bank will benefit, depending on who the Policyholder determines as the Beneficiary.
To obtain this insurance, you must:
- Contact the Sberbank branch with a corresponding request.
- Read the terms and conditions.
- Sign an insurance contract.
- Pay for insurance in cash or by credit card.
- Get a policy.
Tariffs for connecting to the program voluntary insurance life:
- for risks associated with loss of work through no fault of the Insured - 3.09% per year;
- life and health insurance of the borrower - 2.09% per annum;
- insurance individuals with a choice of parameters - 2.6%.
Endowment life insurance
The endowment insurance program was created so that everyone could accumulate the necessary amount, thereby insuring themselves against unforeseen circumstances in the future related to the health and life of the Insured.
The main advantages of the program:
- the opportunity to accumulate funds for targeted use for children (to pay for a university, a car, the first payment for a mortgage, etc.);
- the opportunity to get additional profit from investments;
- the ability to form your own financial reserve.
- the tax base is reduced, and the payment of the insured amount upon the occurrence of an insured event is exempted from the deduction of personal income tax;
- money invested in this insurance, cannot be subject to collection and confiscated, and are not subject to division upon divorce;
- in order to receive the sum insured in the event of the death of the Policyholder, the Beneficiary does not need to wait for the prescribed six months for the entry into inheritance rights, he can receive it immediately after the occurrence of such an event.
How the insurance program works
This insurance program acts according to the following principles:
- The client independently determines the term and amount of the endowment capital, as well as the regularity of payments and the list of risks.
- Makes the first installment.
- Regularly deposits insurance payments in the previously established amount.
- The insurance company invests the funds contributed by the Insured and makes a profit from this.
- In the event of an insured event specified in the contract by the Insured himself, the insurance company pays the insured amount in the amount specified in the contract, and the size of the endowment capital and the conditions for accumulation remain the same.
- Upon expiration of the policy, the Policyholder is paid the entire accumulated amount, increased by the amount of investment profit from insurance premiums.
Important! During the insurance process, the policyholder can connect a special option "Exemption from payment of insurance premiums" and use it in case of loss of the ability to make regular payments as a result of disability.
The advantages of this program:
- the ability to invest without the risk of losing the invested funds;
- obtaining protection in the event of an insured event;
- getting additional income from participation in highly profitable investment projects;
- obtaining legal and tax privileges.
How the investment and insurance program works
According to the terms of the program, there are certain principles by which it operates:
- the insurance premium is divided into two parts - conservative and aggressive investments;
- conservative instruments guarantee the return of the amount of contributions;
- aggressive instruments can significantly increase the amount of the down payment.
The client independently determines the direction for investing his invested funds in this program... Reviews of life insurance at Sberbank indicate that the company really makes payments upon the occurrence of insured events, which inspires confidence in the insurance system among Russians.
- International financial reporting standards (ifrs): functions, principles and documents
- Accounting and distribution of general production costs What is the accounting procedure for general production and general expenses
- New School Subject - Financial Literacy An article on financial literacy in school
- Attraction of investments in business projects