SOGAZ-LIFE Insurance Company Limited

SOGAZ-LIFE Insurance Company Ltd operating as part of the SOGAZ Insurance Group, one of the Russian insurance market leaders, is a specialised life insurance company. SOGAZ-LIFE was founded in order to invigorate the activity of the SOGAZ Group in areas such as life insurance and additional pension insurance and to provide professional insurance cover for corporate clients and individuals.

SOGAZ-LIFE Insurance Company is one of the most dynamically developing companies in the national life insurance market. The amount of insurance premiums collected in 2006 exceeded 1.2 billion roubles. The return on insurance policies amounted to 13.13 per cent per annum in 2006, which ranked among the highest investment income figures in the Russian life insurance market.

In the first nine months of 2007, the company collected 3.584 billion roubles’ worth of insurance premiums, which allowed it to rank first among national life insurers.

The Expert RA rating agency awarded the company the highest reliability rating of A++ “A High Level of Reliability with a Positive Outlook” on November 20, 2007. This is the first case in Russia when a specialised life insurance company is awarded a reliability rating.

Developing along with the Russian economy, SOGAZ-LIFE Insurance Company Ltd constantly expands and improves its insurance services. By attentively studying market requirements and promptly responding to its clients’ requests, the company offers only the best insurance products developed to meet international standards.

To ensure a high level of financial stability and maintain its reputation as a responsible partner, SOGAZ-LIFE cooperates with well-known international reinsurers: the Swiss reinsurance company Swiss Re and the Munich reinsurance company Munich Re.

SOGAZ-LIFE Insurance Company Ltd, being part of the SOGAZ Insurance Group, is a member of the All-Russian Insurance Association (ARIA) and the Association of Insurers in the Fuel and Energy Sector. In February 2006, SOGAZ-LIFE Insurance Company became a member of the European Business Association.

More detailed information about SOGAZ-LIFE Insurance Company is available at: www.sogaz-life.ru