Report on Due Diligence when working with a counterparty dated 10/03/2020

Investment savings

The investment program allows for the provision of financial assistance to loved ones as a result of an accident that occurred with the policyholder:

• Approximately 300% of the contribution is paid if a person dies as a result of an accident;
• Up to 200% of the contribution is returned after the death of the investor as a result of an accident.

Benefits of the program:

• Investments are not subject to seizure or confiscation;
• Insurance compensation cannot be divided as a result of property disputes;
• The beneficiary will be able to receive the entire amount without waiting six months from the date of death of the investor;
• Possibility to return a tax deduction of up to 13% of income;
• Payments from the insurance program are not subject to taxation.

Endowment life insurance

Making regular contributions allows you to form a savings deposit. It is returned to the investor after the expiration of its validity period. If the person does not live to this point, then the capital is paid to his relatives.

The accumulated amount can be used to cover losses associated with the rehabilitation of a person after an illness or for other purposes. It is necessary to wait until the expiration of the contract for participation in the project to realize the accumulated amount.

Advantages:

• Possibility of choosing a program for children, adults and pensioners;
• Creation of a reserve of financial assistance to the family in case of loss of a breadwinner;
• Opportunity to save money for a large purchase;
• Possibility of capital inheritance;
• Receiving compensation in the event of disability or death of the insured person.

Based on the results of the inspection, it was established:

The age of the organization is [number] years [or year, years]

The counterparty has not provided tax reporting for more than a year.

The counterparty has a tax debt of more than 1,000 rubles, which was sent to the bailiff for collection.

The counterparty has a fine for tax violations.

The counterparty has tax arrears for the following types of taxes:

Based on the results of the Federal Tax Service's audit of the reliability of information about legal entities, information about the legal address of the counterparty was found unreliable as of 10/03/2020.

According to information from the Supreme Arbitration Court of the Russian Federation, there were/are claims against the counterparty to declare it bankrupt. You should pay utmost attention to this information and carefully analyze these arbitration cases.

There is information about the existence of procedures used in bankruptcy cases.

In the building located at the legal address of the legal entity, [number] of active and [number of] liquidated companies are registered. There are indications that this address is being used as a mass registration address.

The counterparty provided its contact information to the registration authorities, which characterizes it positively from the point of view of openness.

It is necessary to pay attention to the fact that the executive bodies of the counterparty company include a disqualified person.

The fact that there is an encumbrance on the share is essential:

The presence of a share in the pledge in some cases may indicate a deliberate veiling of the true beneficiaries of the company under the guise of pledge holders (“artificial encumbrance”), which is also one of the schemes for protecting against raider takeover.

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There are no financial statements for the last reporting period for the counterparty company.

Trust management

The investment conditions are as follows:

• The minimum investment amount is 3 million rubles;
• The maximum investment size is not limited;
• The minimum investment period is 1 year;
• The maximum investment period is not limited.

Advantages:

• Ingosstrakh employees will help you develop an individual investment strategy;
• High values ​​guarantee a return on investment;
• A personal financial advisor will answer the client’s questions.

The specialists will provide the client with a quarterly report on the activities carried out. They will help you develop the optimal strategy to profitably increase your capital.

Counterparty

Individual investment account

After signing an agreement with the management company, a special investment account will be opened in the client’s name. The terms of this document are taxed in a simplified manner. The minimum period of its validity is three years.

Advantages:

• The investment size varies from 400,000 to 1 million rubles;
• Independent choice of strategy: aggressive, balanced or conservative;
• Possibility of obtaining a tax deduction of up to 52,000 rubles. The client must be officially employed.

What can't be done:

• Open several investment accounts in the client’s name;
• The account must not contain securities;
• Combine several types of tax deductions.

The investment programs offered by Ingosstrakh will allow the client to significantly increase his own capital. In order for finances to start working for a person, he needs to leave a request on the website or at the office of the insurance company. Together with a specialist, an optimal scheme for making a profit for a person will be developed.

Ingosstrakh official website

SPAO Ingosstrakh is one of the largest insurance companies in Russia. This insurer is one of the systemically important Russian insurance companies.

The organization also has its own web resource, where it is possible to obtain all the necessary information both about the company itself and the services it provides to its clients.

Official website - Home page

Thus, the Ingosstrakh official website contains materials addressed to private and corporate clients, partners and VIP clients.

Private individuals have access to such types of insurance as car insurance (MTPL, Casco and Green Card), travel insurance (abroad, within Russia and trip cancellation (not leaving)), property (apartments, country real estate, liability, mortgages), investments and pensions ( investment life insurance, endowment life insurance, pension savings, mutual funds (MUFs), trust management, individual investment account).

Types of insurance

Ingosstrakh also offers private clients health and life insurance (VHI, Telemedicine, "AvtoMed" - VHI in case of an accident, tick bite insurance, accident and life, insurance for athletes, in case of critical illnesses, compulsory medical insurance, international programs, insurance for migrants, veterinary animal insurance).

An important policy, the purchase of which is mandatory for motorists, is compulsory motor liability insurance. It is this insurance that receives significant attention on the insurer’s website.

OSAGO

A number of services and payments are available directly through the official website. So, you can purchase a policy, renew it, pay, activate and check it. Here you can find out the status of the policy, as well as get other useful information, including finding answers to frequently asked questions.

Extension of insurance allows you to carry out the corresponding procedure on the terms of the previous contract. The payment service implies the ability to make online payments for regular installments (installments) and bills in a convenient way.

To activate the policy, you must select an insurance product and indicate the contract number. The site also allows you to check the authenticity and status of the insurance policy. This procedure is carried out using the database of SPAO Ingosstrakh, and the results are displayed online.

Activate policy

The web resource also provides an opportunity to get acquainted with information about what needs to be done in the event of an insured event. The relevant data is available by type of policy, which must be selected from the list provided.

The official website allows you to find out the addresses and opening hours of settlement offices, as well as independent experts. Here you can also track the status of your insurance claim online. It is also possible to pay the deductible for Casco losses directly on the website.

Ingosstrakh offers services not only to private but also to corporate clients. The latter on the company’s website can familiarize themselves with the catalog of offers, available services and payments, as well as study information regarding the insured event.

to corporative clients

The catalog includes offers related to auto insurance and transport, aviation and space, maritime risks, insurance of cargo, passengers (OSGOP), insurance of exhibitions and events, employees and personnel, hazardous objects (OS HPO), property and real estate, liability, financial risks, IT insurance. Among other things, a reinsurance protection system is available with Ingosstrakh and partners.

The services available to corporate clients include paying an invoice using an INN and document number, searching for insured vessels, renewing a policy under the terms of a previous contract, checking the authenticity and status of an insurance policy using the Ingosstrakh database. Contact details of correspondents/surveyors are also available.

It has an official website and materials addressed to partners: travel companies, leasing companies, banks, and real estate companies. The terms of the partnership are also set out here, as well as information about online partners.

For partners

VIP clients will also be able to find useful materials.

The official website of Ingosstrakh also contains information about offices (addresses, contact numbers, opening hours), news, promotions and special offers.

If necessary, you can contact the company’s specialists through the website using the feedback form or online chat. It is also possible to order a call back or call the number indicated on the web resource.