From 2027, three new types of long-term savings will fall under state insurance

From the beginning of 2027, the state guarantees a refund for three new types of savings programs. This was reported on the sidelines of the Mosfinforum by Deputy Finance Minister Ivan Chebeskov, RIA Novosti reports.

State insurance will include equity life insurance, life insurance with guaranteed profitability and life insurance with an estimated return.

According to Chebeskov, the limit of insurance coverage will be 10 million rubles for each insured in case of death and 2.8 million rubles for other insurance cases. The guarantee will apply not only to policies issued after January 1, 2027, but also to all life insurance contracts in force at that time.

The equity life insurance program has been in place since 2025. It is a hybrid insurance protection and investment tool for a wide range of individuals. Cumulative life insurance with fixed income (available to all) and investment life insurance with estimated return appeared from June 1, 2026.

For residents of Kuzbass considering long-term savings programs, the new guarantees can become an additional argument in favor of such tools.