Ренессанс Жизнь, Страховая компания

What Ренессанс Жизнь, Страховая компания does

OOO SK Renaissance Zhizn (Ренессанс Жизнь) is a Russian life insurance company founded in 2004 and operating as the life insurance arm of the Renaissance Insurance Group (Группа Ренессанс страхование). The company holds Bank of Russia licenses СЛ № 3972 and СЖ № 3972 (issued 26.10.2023) and an ruA+ credit rating, and is ranked among the Top-5 Russian life insurers by premium collections in the first half of 2026. It serves more than 3 million retail, family, and corporate customers across Russia through a hybrid distribution platform that includes 80+ physical offices, an independent agent and financial advisor network, a dedicated agent portal (ag.renlife.com), a self-service e-commerce shop (shop.renlife.ru), a customer personal account (lk.renlife.ru), and SBP (System of Fast Payments) integration for premium collection.

The company's product portfolio spans four lines: savings/accumulation life insurance (e.g., Выгодный Старт with 16% guaranteed annual return, Гарантированный доход, Копилка Плюс, Финансовая опора), guaranteed-return investment products (e.g., Уверенный выбор with tiered annual returns), risk and health insurance (e.g., Ваш Доктор +), and children's insurance programs (e.g., Надёжный старт, Кешбэк 31, Спортивная страховка). Following a March 2025 Bank of Russia management company license (№ 21-000-1-01139), the company registered and manages two open-end mutual funds — 'Renaissance Zhizn – Razumnye Investitsii' and 'Renaissance Zhizn – Sbalansirovannyy' — used as underlying vehicles for unit-linked life insurance. Corporate clients are served through dedicated risk and cumulative life insurance programs.

Revenue is generated primarily through recurring personal and corporate life insurance premiums, complemented by investment management fees from the in-house mutual funds. The go-to-market combines sales-led agent advisory distribution, direct-to-consumer online purchase via shop.renlife.ru, and channel partnerships including the Gazprom Bonus subscription program. The company has absorbed the client bases of two formerly independent life insurers (OOO SK R.Layf and OOO VSK-Liniya Zhizni), reflecting an ongoing consolidation strategy within the Renaissance Insurance Group. The firm is privately held (OOO structure, no public ticker) with no disclosed external institutional or PE/VC investors in the available material.

Name

Ренессанс Жизнь, Страховая компания

Legal name

Общество с ограниченной ответственностью «Страховая Компания «Ренессанс Жизнь» (OOO «SK «Renaissance Zhizn»)

Website

https://renlife.com

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

101–250 employees

Short description

Renaissance Life (Ренессанс Жизнь) is a Russian life insurer founded in 2004 and part of the Renaissance Insurance Group, serving over 3 million retail and corporate customers across Russia with savings, investment, risk, and children's insurance products distributed through 80+ offices, an agent network, and digital channels.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Non-Participating Whole Life Insurance (FSAIABAJ)

akta.pro secondary industries

Basic Group Term Life (Employer-Paid) (FSAIADAA), Retirement Benefits & Social Security/Medicare Planning (FSAEABAI)

Keywords

• Life insurance products
• Savings insurance policies
• Corporate group insurance
• Investment-linked insurance
• Children's education insurance

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Life Insurance Premiums: Collection of insurance premiums from personal life and health insurance products including savings life insurance, risk life insurance, investment life insurance, and children's insurance programs. Premiums are recurring periodic payments by policyholders.
2. Corporate Insurance Premiums: Corporate risk insurance and cumulative life insurance programs for employees offered to corporate clients, generating premium revenue from business customers.
3. Investment Management Fees: Management fees from managing open-end mutual funds (ОПИФ) including 'Renaissance Life – Rational Investments' and 'Renaissance Life – Balanced' operated for unit-linked life insurance purposes.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels9 records

Core offering

Renaissance Life Insurance Company sells life insurance policies and related savings/investment products to individual and corporate clients in Russia. Its core offerings include savings-type life insurance, risk-type life insurance, investment-type (investment-linked) life insurance, children's insurance, corporate group insurance programs, and mutual fund management. The company is licensed by the Bank of Russia for life insurance (SL №3972 and SJ №3972) and serves over 3 million customers through 80+ offices.

Product overview

OOO SK Renaissance Zhizn is a Russian life insurance company operating as a multi-channel insurance platform with three main product lines: personal life insurance (accumulation, risk, and investment programs), children's insurance (child-focused savings and protection products), and corporate insurance (employee benefit and risk management solutions). The product portfolio centers on savings/accumulation products (Vygodny Start, Garantirovannyy Dokhod, Kopilka Plyus, Finansovaya Opra, Nadezhny Start), guaranteed income offerings with tiered interest rates (Uverennyy Vybor, Kehshbek programs), investment products (Professionalnye Investitsii, Razumnye Investitsii, Trend 365 mutual funds), health/risk programs (Vash Doktor+), and sports insurance for children. The company also manages open-end mutual funds (Renaissance Zhizn-Razumnye Investitsii, Renaissance Zhizn-Sbalansirovannyy) through its management company for equity life insurance purposes. The platform enables online purchases through shop.renlife.ru, agent management via ag.renlife.ru, and client self-service through lk.renlife.ru.

Differentiator

Problem solved

Functional benefit

Products and services

• Savings-Type Life Insurance A long-term life insurance policy with a savings element, sold to individual retail customers in Russia seeking accumulation of cash value over the policy term alongside life cover. Premiums are paid regularly or as a lump sum, and the policy pays out on maturity or death.
• Risk-Type Life Insurance Pure-protection life insurance policies sold to individual retail customers in Russia, providing a death benefit to beneficiaries without a significant savings component. Designed for customers whose primary need is financial protection for their family rather than wealth accumulation.
• Investment-Type (Investment-Linked) Life Insurance Investment-linked life insurance policies sold to individual retail customers in Russia, combining life cover with exposure to investment funds inside the insurance wrapper. Targets customers seeking market-linked returns alongside life protection.
• Children's Insurance Programs Life insurance products designed for Russian parents/guardians to fund a child's future needs such as education, with a payout at maturity or to the named beneficiary. Sold to individual retail customers on a personal-basis underwriting model.
• Corporate Group Insurance Group life and related corporate insurance solutions sold to Russian companies and organizations to provide employee benefits and life cover. Designed for HR, compensation, and benefits decision-makers seeking consolidated group coverage and ongoing administration.
• Mutual Fund Management Management of mutual fund vehicles for retail and potentially institutional investors in Russia, providing pooled investment products complementing the company's life insurance investment-linked offerings.

Quantifiable outcome

• 212.5+ billion RUB in total customer payments since inception through December 2025
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Three partnerships are on record, tiered minor and core.

• Gazprom BonusminorGTM or Marketing PartnerPartnership offering subscription program under 'Gazprom Bonus' loyalty program. Renaissance Life insurance products are offered as part of the Gazprom Bonus subscription tier, expanding customer acquisition through the Gazprom ecosystem.
• НПФ Ренессанс Накопления (NPF Renaissance Accumulations)coreStrategic or Co-development PartnerRelated entity managing pension accumulations. NPF Renaissance Accumulations selected a new manager for pension accumulations and partnered with Renaissance Life to streamline HR document signing processes. Both entities are part of the Renaissance group.
• Insurance Agents and Financial Advisors NetworkcoreChannel Partner/ Reseller/ DistributorNetwork of independent insurance agents and financial advisors selling Renaissance Life insurance products under agency agreements. Agents operate across Russia with dedicated agent portal and agent search functionality on the company website.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• АльфаСтрахование Жизнь (AlfaStrakhovanie Life): Life insurance arm of the AlfaStrakhovanie group, offering accumulation, investment and corporate life products. Closely comparable to Renaissance Life in product mix and target retail/corporate segments.
• РСХБ-Страхование жизни (RSHB Life Insurance): Life insurer affiliated with Rosselkhozbank, offering savings and investment life products to retail and corporate clients. Direct competitor with similar product suite to Renaissance Life.
• Капитал Лайф Страхование Жизни (Kapital Life Insurance): Mid-tier Russian life insurer offering accumulation, investment-linked and risk life products. Direct peer competing for similar retail savings customers and corporate programs.
• Ингосстрах-Жизнь (INGOStrah Life): Life subsidiary of the INGO insurance group, providing savings and investment life insurance. Directly comparable business model and customer profile to Renaissance Life.
• Сбербанк Страхование Жизни (Sberbank Life Insurance): Largest Russian life insurer and a direct competitor. Offers accumulation, investment, and risk life insurance through Sberbank's massive captive distribution network, competing head-to-head with Renaissance Life in guaranteed-yield and unit-linked products.
• СОГАЗ-Жизнь (SOGAZ Life): Life insurance arm of the SOGAZ group with strong corporate/employee-benefit orientation. Comparable to Renaissance Life's corporate cumulative and risk programs targeting Russian enterprises.

Others

• НПФ «Ренессанс Накопления» (NPF Renaissance Accumulations): Sister-entity pension fund within the Renaissance group; partner in streamlining HR documents and providing pension-accumulation products. Comparable as a complementary long-term savings vehicle within the same ecosystem.
• Ренессанс Страхование (Renaissance Insurance Group): Parent insurance group encompassing Renaissance Life, Renaissance Insurance, and NPF Renaissance Accumulations. Comparable as the broader platform managing pension accumulations, P&C and life operations, with cross-sell synergies.

Broad incumbents

• MetLife: Global life insurance incumbent offering accumulation, unit-linked and group life products. Useful global benchmark for Renaissance Life's product design, distribution philosophy and unit-linked capabilities.
• ВСК (VSK Insurance): Large Russian P&C and life insurance group whose former life subsidiary (VSK-Liniya zhizni) was absorbed into Renaissance Life. Highly comparable in product breadth and corporate client base, with overlapping legacy customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/%D1%80%D0%B5%D0%BD%D0%B5%D1%81%D1%81%D0%B0%D0%BD%D1%81-%D0%B6%D0%B8%D0%B7%D0%BD%D1%8C-%D1%81%D1%82%D1%80%D0%B0%D1%85%D0%BE%D0%B2%D0%B0%D1%8F-%D0%BA%D0%BE%D0%BC%D0%BF%D0%B0%D0%BD%D0%B8%D1%8F

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ренессанс Жизнь, Страховая компания