Legislative framework of the Russian Federation. Law on the organization of insurance business in the Russian Federation of the Russian Federation of November 27, 1992

(as amended by Federal Laws dated December 31, 1997 N 157-FZ, dated November 20, 1999 N 204-FZ, dated March 21, 2002 N 31-FZ, dated April 25, 2002 N 41-FZ, dated December 8, 2003 N 169-FZ , from 12/10/2003 N 172-FZ, from 07/20/2004 N 67-ФЗ, from 03/07/2005 N 12-ФЗ, from 07/18/2005 N 90-ФЗ, from 07/21/2005 N 104-ФЗ, from 05/17/2007 N 83-FZ, as amended by Federal Law dated June 21, 2004 N 57-FZ)
Chapter I. GENERAL PROVISIONS

Article 1. Relations regulated by this Law

2. The relations specified in paragraph 1 of this article are also regulated by federal laws, decrees of the President of the Russian Federation, decrees of the Government of the Russian Federation adopted in accordance with this Law.
In cases provided for by this Law, federal authorities The executive branch, within its competence, can adopt normative legal acts.

3. For the purposes of this Law, federal laws and other regulatory legal acts provided for in paragraphs 1 and 2 of this article are an integral part of the insurance legislation.

4. This Law applies to relations under compulsory insurance in terms of establishing legal framework regulation of these relations.

5. This Law does not apply to relations under compulsory deposit insurance individuals in banks and insurance of export credits against commercial and political risks, carried out by a state corporation, which is granted the right to carry out such activities by the federal law on the basis of which it was created.

Article 2. Insurance and insurance activities (insurance business)

2. Insurance activities(insurance business) - the field of activity of insurers in insurance, reinsurance, mutual insurance, as well as insurance brokers, insurance actuaries in the provision of services related to insurance and reinsurance.

Article 3. The purpose and objectives of organizing the insurance business. Insurance forms

The objectives of the insurance business organization are:

carrying out a unified public policy in the field of insurance;

establishment of insurance principles and formation of insurance mechanisms that ensure economic security citizens and business entities on the territory of the Russian Federation.

2. Insurance is carried out in the form of voluntary insurance and compulsory insurance.

3. Voluntary insurance is carried out on the basis of an insurance contract and insurance rules defining General terms and the procedure for its implementation. Insurance rules are adopted and approved by the insurer or association of insurers independently in accordance with Civil Code of the Russian Federation and this Law and contain provisions on subjects of insurance, on objects of insurance, on insured events, on insurance risks, on the procedure for determining the insured amount, insurance rate, insurance premium (insurance contributions), on the procedure for concluding, executing and terminating insurance contracts, on the rights and obligations of the parties, on determining the amount of losses or damage, on the procedure for determining insurance payment, on cases of refusal of insurance payment and other provisions.

4. The conditions and procedure for the implementation of compulsory insurance are determined by federal laws on specific types of compulsory insurance. The federal law on a specific type of compulsory insurance must contain provisions defining:

a) insurance subjects;
b) objects subject to insurance;
c) list of insured events;
d) the minimum amount of the insured amount or the procedure for determining it;
e) the size, structure or procedure for determining the insurance tariff;
f) the deadline and procedure for paying the insurance premium (insurance contributions);
g) the validity period of the insurance contract;
h) the procedure for determining the amount of insurance payment;
i) control over the implementation of insurance;
j) consequences of non-fulfillment or improper fulfillment of obligations by insurance entities;
k) other provisions.

Article 4. Insurance objects

1. Objects personal insurance there may be property interests associated with:
1) with the survival of citizens to a certain age or period, with death, with the occurrence of other events in the lives of citizens (life insurance);
2) with causing harm to the life, health of citizens, providing them with medical services(accident and illness insurance, medical insurance).

2. The objects of property insurance may be property interests associated, in particular, with:

1) possession, use and disposal of property (property insurance);
2) the obligation to compensate for damage caused to other persons (civil liability insurance);
3) carrying out business activities (insurance of business risks).

3. Insurance of illegal interests, as well as interests that are not illegal, but the insurance of which is prohibited by law, is not allowed.

4. Unless otherwise established by federal law, insurance of objects related to different types property insurance and (or) personal insurance (combined insurance).

5. On the territory of the Russian Federation, insurance (except for reinsurance) of the interests of legal entities, as well as individuals - residents of the Russian Federation can be carried out only by insurers who have licenses obtained in the manner prescribed by this Law.

Article 4.1. Participants in relations regulated by this Law

1. The participants in the relations regulated by this Law are:

policyholders, insured persons, beneficiaries;
insurance organizations;
mutual insurance companies;
insurance agents;
insurance brokers;
insurance actuaries;
federal executive body whose competence includes exercising control and supervision functions in the field of insurance activities (insurance business) (hereinafter referred to as the insurance supervisory body);
associations of insurance business entities, including self-regulatory organizations.

2. Insurance organizations, mutual insurance companies, insurance brokers and insurance actuaries are subjects of the insurance business.

The activities of insurance business entities are subject to licensing, with the exception of the activities of insurance actuaries, which are subject to certification.
Information about the subjects of the insurance business must be entered into a single State Register subjects of insurance business in the manner established by the insurance supervisory body.

3. The name (company name) of the subject of the insurance business - legal entity must contain:

an indication of the organizational and legal form of the insurance entity;
an indication of the type of activity of the insurance business entity using the words either “insurance” and (or) “reinsurance”, or “mutual insurance”, or “insurance broker”, as well as derivatives from such words and phrases;
designation that individualizes the subject of the insurance business.

4. An insurance business entity - a legal entity does not have the right to fully use a designation that individualizes another insurance business entity. This provision does not apply to subsidiaries and dependent companies of the insurance entity.

Article 5. Policyholders

1. Insurers are legal entities and capable individuals who have entered into insurance contracts with insurers or are insured by force of law.

2 - 3. Lost force.

Article 6. Insurers

1. Insurers are legal entities created in accordance with the legislation of the Russian Federation to provide insurance, reinsurance, mutual insurance and received licenses in the manner prescribed by this Law.

2. Insurers assess insurance risk, receive insurance premiums (insurance contributions), form insurance reserves, invest assets, determine the amount of losses or damage, produce insurance payments, carry out other actions related to the fulfillment of obligations under the insurance contract.
Insurers have the right to carry out either only insurance of personal insurance objects provided for in paragraph 1 of Article 4 of this Law, or only insurance of property and personal insurance objects provided for in paragraph 2 and subparagraph 2 of paragraph 1 of Article 4 of this Law, respectively.

3. Insurance organizations that are subsidiaries of foreign investors (main organizations) or have a share of foreign investors in their authorized capital of more than 49 percent cannot carry out in the Russian Federation insurance of personal insurance objects provided for in subparagraph 1 of paragraph 1 of Article 4 of this Law , compulsory insurance, compulsory state insurance, property insurance related to supplies or contract work for government needs, as well as insurance of property interests of state and municipal organizations.
For the purposes of this Law, foreign investors are foreign organizations that have the right to make, in the manner and under the conditions established by the legislation of the Russian Federation, investments on the territory of the Russian Federation in the authorized capital of an insurance organization created or newly created on the territory of the Russian Federation.
If the amount (quota) of foreign capital participation in the authorized capitals of insurance organizations exceeds 25 percent, the insurance supervisory authority stops issuing licenses to carry out insurance activities to insurance organizations that are subsidiaries of foreign investors (main organizations) or have a share of foreign investors in its authorized capital more than 49 percent.
The above amount (the above quota) is calculated as the ratio of the total capital owned by foreign investors and their subsidiaries in the authorized capitals of insurance organizations to the total authorized capital of insurance organizations.
Insurance organization is required to obtain prior permission from the insurance supervisory authority to increase the size of its authorized capital at the expense of foreign investors and/or their subsidiaries, to alienate its shares (stakes in the authorized capital) in favor of a foreign investor (including the sale to foreign investors), and Russian shareholders (participants) - to alienate their shares (stakes in the authorized capital) of an insurance organization in favor of foreign investors and/or their subsidiaries. The said preliminary permission cannot be denied to insurance organizations that are subsidiaries of foreign investors (main organizations), or that have a share of foreign investors in their authorized capital of more than 49 percent, or that become such as a result of these transactions, if the amount established by this paragraph (quota) will not be exceeded when they are completed.
Payment by foreign investors for shares (shares in authorized capital) of insurance organizations owned by them is made exclusively in in cash in the currency of the Russian Federation.
Persons performing the functions of the sole executive body and chief accountant of an insurance organization with foreign investment must permanently reside in the territory of the Russian Federation.

4. An insurance organization that is a subsidiary of a foreign investor (main organization) has the right to carry out insurance activities in the Russian Federation if the foreign investor (main organization) has been an insurance organization for at least 15 years, carrying out its activities in accordance with the legislation of the relevant state, and has been participating in the activities of insurance organizations established on the territory of the Russian Federation for at least two years.
Insurance organizations that are subsidiaries of foreign investors (main organizations) or have a share of foreign investors in their authorized capital of more than 49 percent may open their branches on the territory of the Russian Federation and participate in subsidiaries of insurance organizations after receiving prior permission from the insurance authority. supervision. The said preliminary permission is refused if the amount (quota) of participation of foreign capital in insurance organizations of the Russian Federation specified in paragraph 3 of this article is exceeded.

5. The rules established by paragraphs one, six and seven of paragraph 3 and paragraph 4 of this article, as well as paragraph 5 of Article 32.1 of this Law, do not apply to insurance organizations that are subsidiaries of foreign investors (main organizations) of the member states of the European Union. communities that are parties to the Partnership and Cooperation Agreement establishing a partnership between the Russian Federation, on the one hand, and the European Communities and their Member States, on the other hand, dated 24 June 1994, or having a share of such foreign investors in their authorized capital of more than 49 percent.

Article 7. Mutual insurance companies

For the insurance protection of their property interests, legal entities and individuals may create mutual insurance companies in the manner and under the conditions determined by the federal law on mutual insurance.

Article 8. Insurance agents and insurance brokers

1. Insurance agents are individuals or Russian legal entities (commercial organizations) permanently residing in the territory of the Russian Federation and carrying out their activities on the basis of a civil law contract, who represent the insurer in relations with the policyholder and act on behalf of the insurer and on his behalf in accordance with with the granted powers.

2. Insurance brokers - permanently residing on the territory of the Russian Federation and registered in established by law In the Russian Federation, as individual entrepreneurs, individuals or Russian legal entities (commercial organizations) who act in the interests of the policyholder (reinsurer) or insurer (reinsurer) and carry out activities to provide services related to the conclusion of insurance (reinsurance) agreements between the insurer (reinsurer) ) and the policyholder (reinsurer), as well as with the execution of these contracts (hereinafter referred to as the provision of insurance brokerage services). When providing services related to the conclusion of these contracts, the insurance broker does not have the right to simultaneously act in the interests of the policyholder and the insurer.

Insurance brokers have the right to carry out other activities related to insurance not prohibited by law, with the exception of activities as an insurance agent, insurer, or reinsurer.
Insurance brokers are not entitled to carry out activities unrelated to insurance.

3. The activities of insurance agents and insurance brokers in the provision of services related to the conclusion and execution of insurance contracts (except for reinsurance contracts) with foreign insurance organizations or foreign insurance brokers are not permitted on the territory of the Russian Federation.

4. To conclude reinsurance agreements with foreign insurance organizations, insurers have the right to enter into agreements with foreign insurance brokers.

Article 8.1. Insurance actuaries

1. Insurance actuaries are individuals permanently residing on the territory of the Russian Federation, having qualification certificate and carrying out, on the basis of an employment contract or a civil contract with an insurer, activities for calculating insurance rates, insurance reserves of the insurer, assessing its investment projects using actuarial calculations.

2. At the end of each financial year, insurers are required to conduct an actuarial assessment of accepted insurance liabilities (insurance reserves). The results of the actuarial assessment must be reflected in the corresponding conclusion submitted to the insurance supervisory body in the manner established by the federal executive body exercising the functions of developing state policy and legal regulation in the field of insurance activities (hereinafter referred to as the insurance regulatory body).

3. Requirements for the procedure for conducting qualification examinations of insurance actuaries, issuing and canceling qualification certificates are established by the insurance regulatory body.

Article 9. Insurance risk, insured event

1. An insurance risk is an expected event against which insurance is carried out.
An event considered as an insurance risk must have signs of probability and randomness of its occurrence.

2. An insured event is an event that has occurred, provided for by an insurance contract or by law, upon the occurrence of which the insurer becomes obligated to make an insurance payment to the policyholder, the insured person, the beneficiary or other third parties.

3. Lost power.

Article 10. Sum insured and insurance payment

1. Sum insured - an amount of money that is established by federal law and (or) determined by an insurance contract and on the basis of which the amount of the insurance premium (insurance contributions) and the amount of insurance payment upon the occurrence of an insured event are established.

2. When insuring property, the insured amount cannot exceed its actual value ( insurance value) at the time of concluding the insurance contract. The parties cannot dispute the insurable value of the property determined by the insurance contract, except if the insurer proves that it was deliberately misled by the insured.
When providing personal insurance, the insurance amount is established by the insurer by agreement with the policyholder.

3. Insurance payment - an amount of money established by federal law and (or) an insurance contract and paid by the insurer to the policyholder, insured person, beneficiary upon the occurrence of an insured event.
Insurance payment under insurance contracts is made in the currency of the Russian Federation, except for the cases provided for in paragraph 4 of this article, the currency legislation of the Russian Federation and the regulatory legal acts of currency regulatory authorities adopted in accordance with it.

4. The conditions of property and (or) civil liability insurance within the limits of the insured amount may provide for the replacement of the insurance payment (insurance compensation) with the provision of property similar to the lost property.

5. In the event of loss or destruction of the insured property, the policyholder or beneficiary has the right to waive his rights to it in favor of the insurer in order to receive insurance payment (insurance compensation) from him in the amount of the full insured amount.

6. When carrying out personal insurance, the insurance payment (sum insured) is made to the policyholder or the person entitled to receive the insurance payment (sum insured) under the insurance contract, regardless of the amounts due to them under other insurance contracts, as well as under compulsory social insurance, social provision and compensation for harm.
When providing life insurance, the insurer may pay a portion of the investment income in addition to the sum insured.

7. Upon termination of a life insurance contract providing for the survival of the insured person to a certain age or period or the occurrence of another event, the policyholder is returned the amount within the limits formed in in the prescribed manner insurance reserve on the day of termination of the insurance contract (redemption amount).

8. Organizations and individual entrepreneurs are obliged to provide insurers, upon their requests, with documents and opinions related to the occurrence of an insured event and necessary to resolve the issue of insurance payment, in accordance with the legislation of the Russian Federation.

Article 11. Insurance premium(insurance premiums) and insurance tariff

1. The insurance premium (insurance contributions) is paid by the policyholder in the currency of the Russian Federation, except for cases provided for by the currency legislation of the Russian Federation and the regulatory legal acts of currency regulatory authorities adopted in accordance with it.

2. Insurance tariff - the rate of insurance premium per unit of sum insured, taking into account the object of insurance and the nature of the insurance risk.

The specific amount of the insurance tariff is determined by the voluntary insurance contract by agreement of the parties.
Insurance rates for types of compulsory insurance are established in accordance with federal laws on specific types of compulsory insurance.

Article 12. Co-insurance

Co-insurance is insurance of the same insurance object by several insurers under one insurance contract.

Article 13. Reinsurance

1. Reinsurance is the activity of protecting by one insurer (reinsurer) the property interests of another insurer (reinsurer) related to the insurance payment obligations assumed by the latter under an insurance agreement (main agreement).

2. The risk of insurance payment under a life insurance contract in terms of the survival of the insured person to a certain age or period or the occurrence of another event is not subject to reinsurance.

3. Insurers holding licenses to provide life insurance do not have the right to reinsure property insurance risks assumed by insurers.

4. Reinsurance is carried out on the basis of a reinsurance agreement concluded between the insurer and the reinsurer in accordance with the requirements of civil law.

5. Along with the reinsurance agreement, other documents applied on the basis of business customs may be used as confirmation of the agreement between the reinsurer and the reinsurer.

Article 14. Associations of insurance business entities

1. Insurance business entities, in order to coordinate their activities, represent and protect the common interests of their members, may form unions, associations and other associations.

2. Information on associations of insurance business entities is subject to inclusion in the register of associations of insurance business entities on the basis of copies of certificates of insurance submitted to the insurance supervisory body state registration such associations and their constituent documents.

Article 14.1. Insurance pools

On the basis of a simple partnership agreement (joint activity agreement), insurers can act jointly without forming a legal entity in order to ensure financial stability insurance operations for certain types of insurance (insurance and reinsurance pools).

Chapter II. INSURANCE AGREEMENT

Excluded.

Chapter III. ENSURING FINANCIAL STABILITY OF INSURERS

Article 25. Conditions for ensuring the financial stability of the insurer

1. Guarantees to ensure the financial stability of the insurer are economically justified insurance rates; insurance reserves sufficient to fulfill obligations under insurance, co-insurance, reinsurance, and mutual insurance contracts; own funds; reinsurance.
Insurance reserves and the insurer's own funds must be provided with assets that meet the requirements of diversification, liquidity, repayment and profitability.

2. Own funds of insurers (with the exception of mutual insurance companies that provide insurance exclusively to their members) include authorized capital, reserve capital, additional capital, and retained earnings.

3. Insurers must have a fully paid-up authorized capital, the amount of which must not be lower than the minimum amount of authorized capital established by this Law.

The minimum amount of the insurer's authorized capital is determined on the basis of the basic size of its authorized capital, equal to 30 million rubles, and the following coefficients:

1 - to carry out insurance of objects provided for in subparagraph 2 of paragraph 1 of Article 4 of this Law;
1 - to carry out insurance of objects provided for in subparagraph 2 of paragraph 1 and (or) paragraph 2 of Article 4 of this Law;
2 - to carry out insurance of objects provided for in subparagraph 1 of paragraph 1 of Article 4 of this Law;
2 - to carry out insurance of objects provided for in subparagraphs 1 and 2 of paragraph 1 of Article 4 of this Law;
4 - for the implementation of reinsurance, as well as insurance in combination with reinsurance.
Changing the minimum amount of the insurer's authorized capital is permitted only by federal law, no more than once every two years, with the mandatory establishment of a transition period.
Contribution of borrowed funds and pledged property to the authorized capital is not permitted.

4. Insurers are obliged to comply with the financial stability requirements established by this Law and the regulatory legal acts of the insurance regulatory body in terms of the formation of insurance reserves, the composition and structure of assets accepted to cover insurance reserves, reinsurance quotas, and regulatory ratios own funds insurer and accepted obligations, the composition and structure of assets accepted to cover the insurer’s own funds, as well as the issuance of bank guarantees.

5. The insurer may transfer the obligations assumed by it under insurance contracts (insurance portfolio) to one insurer or several insurers (replacement of the insurer), who have licenses to carry out those types of insurance for which the insurance portfolio is transferred, and have sufficient own funds, that is, appropriate solvency requirements taking into account newly assumed obligations. The transfer of the insurance portfolio is carried out in the manner established by the legislation of the Russian Federation.
Transfer of the insurance portfolio cannot be carried out in the following cases:
concluding insurance contracts subject to transfer in violation of the legislation of the Russian Federation;
failure by the insurer accepting the insurance portfolio to comply with the financial stability requirements established by paragraphs 1 - 5 of this article;
lack of consent expressed in writing from policyholders and insured persons to replace the insurer;
the absence in the license issued to the insurer accepting the insurance portfolio of an indication of the type of insurance for which the insurance contracts were concluded;
the insurer transferring the insurance portfolio does not have assets accepted to ensure insurance reserves (except in cases of insolvency (bankruptcy)).
Simultaneously with the transfer of the insurance portfolio, assets are transferred in the amount of insurance reserves corresponding to the transferred insurance liabilities.
If the insurance rules of the insurer accepting the insurance portfolio do not correspond to the insurance rules of the insurer transferring the insurance portfolio, changes to the terms of the insurance contracts must be agreed upon with the policyholder.

Article 26. Insurance reserves

1. To ensure the fulfillment of insurance and reinsurance obligations, insurers, in the manner established by the regulatory legal act of the insurance regulatory body, form insurance reserves.

2. Funds from insurance reserves are used exclusively for making insurance payments.

3. Insurance reserves are not subject to withdrawal in federal budget and budgets of other levels budget system Russian Federation.

4. Insurers have the right to invest and otherwise place funds from insurance reserves in the manner established by the regulatory legal act of the insurance regulatory body.
The placement of insurance reserves must be carried out on the terms of diversification, repayment, profitability and liquidity.

5. When insuring personal insurance objects provided for in subparagraph 1 of paragraph 1 of Article 4 of this Law, the insurer has the right to provide an individual insured with a loan within the limits of the insurance reserve formed under an insurance contract concluded for a period of at least five years.

6. An insurance organization has the right to form a preventive measures fund in order to finance measures to prevent the occurrence of insured events.

Article 27.

Lost power.

Article 28. Accounting and reporting

1. Insurers maintain accounting records, prepare accounting and statistical reporting in accordance with the chart of accounts, accounting rules, accounting and reporting forms approved by the insurance regulatory authority in accordance with the law.

2. Accounting for transactions for insurance of personal insurance objects provided for in subparagraph 1 of paragraph 1 of Article 4 of this Law and accounting for operations for insurance of other insurance objects are kept separately.

3. Insurers submit accounting and statistical reports, as well as other information, to the insurance supervisory body in the forms and in the manner established by the insurance regulatory body.

Insurance brokers submit information about insurance brokerage activities to the insurance supervisory authority in the manner established by the insurance regulatory authority.

1. Insurers publish annual accounting reports in the manner and within the time limits established by regulatory legal acts of the Russian Federation, after audit confirmation of the reliability of the information contained in these reports.

2. Publication of annual accounting reports must be carried out in the media, including those distributed in the territory in which the insurer operates. Information about the publication is reported by the insurer to the insurance supervisory authority.

Chapter IV. STATE SUPERVISION OF THE ACTIVITIES OF INSURANCE ENTITIES

Article 30. State supervision over the activities of insurance entities

1. State supervision over the activities of insurance business entities (hereinafter referred to as insurance supervision) is carried out in order to comply with insurance legislation, prevent and suppress violations by participants of relations regulated by this Law, insurance legislation, ensure the protection of the rights and legitimate interests of policyholders, other interested parties and the state , effective development of the insurance business.

2. Insurance supervision is carried out on the principles of legality, transparency and organizational unity.

3. Insurance supervision is carried out by the insurance supervision body and its territorial bodies.

The insurance supervisory authority publishes in the publication designated by it:
clarification of issues within the competence of the insurance supervisory body;
information from the unified state register of insurance entities, the register of associations of insurance entities;
acts on restriction, suspension or renewal of a license to carry out insurance activities;
acts on the revocation of a license to carry out insurance activities;
other information on issues of control and supervision in the field of insurance activities (insurance business);
regulatory legal acts adopted by the insurance regulatory body.

4. Insurance supervision includes:
licensing the activities of insurance entities, certification of insurance actuaries and maintaining a unified state register of insurance entities, a register of associations of insurance entities;
control over compliance with insurance legislation, including by conducting on-site inspections of the activities of insurance entities, and the reliability of the reports they submit, as well as ensuring that insurers ensure their financial stability and solvency;
issuance within 30 days in the cases provided for by this Law of permits to increase the size of the authorized capital of insurance organizations at the expense of foreign investors, to carry out transactions with the participation of foreign investors for the alienation of shares (stakes in the authorized capital) of insurance organizations, to open representative offices of foreign insurance and reinsurance companies , brokerage and other organizations operating in the field of insurance, as well as for opening branches of insurers with foreign investments;

4) - 5) are no longer valid.

5. Insurance business entities are obliged to:
submit established reports on their activities, information on their financial position;
comply with the requirements of insurance legislation and comply with the instructions of the insurance supervisory authority to eliminate violations of insurance legislation;
provide, at the request of the insurance supervisory authority, information necessary for its implementation of insurance supervision (except for information constituting bank secrecy).

Article 31. Suppression of monopolistic activities and unfair competition in the insurance market

Prevention, limitation and suppression of monopolistic activities and unfair competition in the insurance market is ensured by the federal antimonopoly authority in accordance with antimonopoly legislation Russian Federation.

Article 32. Licensing of activities of insurance business entities

1. Licensing of the activities of insurance business entities is carried out on the basis of their applications and documents submitted in accordance with this Law.
A license to carry out insurance, reinsurance, mutual insurance, and insurance brokerage activities (hereinafter also referred to as a license) is issued to subjects of the insurance business.
The right to carry out activities in the field of insurance is granted only to an insurance entity that has received a license.

2. To obtain a license to carry out voluntary and (or) compulsory insurance, mutual insurance, the license applicant submits to the insurance supervisory authority:

2) constituent documents of the license applicant;
3) a document on state registration of the license applicant as a legal entity;
4) minutes of the meeting of founders on approval of the constituent documents of the license applicant and approval for the positions of the sole executive body, head (leaders) of the collegial executive body of the license applicant;
5) information on the composition of shareholders (participants);
6) documents confirming payment of the authorized capital in full;
7) documents on state registration of legal entities that are founders of the insurance business, an audit report on their reliability financial statements for the last reporting period, if a mandatory audit is provided for such persons;
8) information about the sole executive body, the head(s) of the collegial executive body, the chief accountant, the head of the audit commission (auditor) of the license applicant;
9) information about the insurance actuary;
10) insurance rules for types of insurance provided for by this Law, with attached samples of documents used;
11) calculations of insurance rates with the application of the actuarial calculation methodology used and an indication of the source of initial data, as well as the structure of tariff rates;
12) regulations on the formation of insurance reserves;
13) economic justification for the implementation of types of insurance.

3. To obtain a license to carry out additional types of voluntary and (or) compulsory insurance and mutual insurance provided for by the classification, the license applicant submits to the insurance supervisory body the documents provided for in subparagraphs 1, 10 - 13 of paragraph 2 of this article.

4. Applicants for reinsurance licenses are not subject to subparagraphs 9, 10 (regarding the presentation of insurance rules by type of insurance), 11, paragraph 2 of this article (with the exception of sample documents used for reinsurance).

5. To obtain a license to carry out insurance brokerage activities, the license applicant submits to the insurance supervisory authority:
1) application for a license;
2) a document on state registration of the license applicant as a legal entity or individual entrepreneur;
3) constituent documents of the license applicant - a legal entity;
4) samples of contracts necessary for carrying out insurance brokerage activities;
5) documents confirming the qualifications of the insurance broker’s employees and the qualifications of the insurance broker - individual entrepreneur.

6. The documents specified in subparagraphs 2, 3, 6 and 7 (in terms of documents on state registration) of paragraph 2, subparagraphs 2 and 3 of paragraph 5 of this article are presented in the form of notarized copies.
The requirements for the application, information and documents specified in subparagraphs 5, 8, 9 and 13 of paragraph 2, subparagraph 4 of paragraph 5 of this article are established by the insurance regulatory body.

7. License applicants that are subsidiaries of foreign investors (main organizations) or have a share of foreign investors in their authorized capital of more than 49 percent, in addition to the documents specified in paragraph 2 of this article, submit in the manner prescribed by the legislation of the country of origin stay of foreign investors, consent in writing from the relevant insurance supervisory authority of the country of residence to the participation of foreign investors in the authorized capital of insurance organizations established on the territory of the Russian Federation, or notify the insurance supervisory authority that there is no requirement for such permission in the country of residence foreign investors.

8. The lists of documents defined in this article, submitted by license applicants to obtain licenses, are exhaustive. In order to verify the information received, the insurance supervisory authority has the right to send written requests to organizations to provide (within their competence) information regarding documents submitted by the license applicant in accordance with the legislation of the Russian Federation.

9. When all documents specified in this article are submitted in proper form, the insurance supervisory authority issues the license applicant a written notice of acceptance of the documents.

10. On changes made to the documents that served as the basis for obtaining a license in accordance with subparagraphs 2, 3, 5, 6, 7 (regarding documents on state registration), 8 - 13 of paragraph 2, subparagraphs 3, 4 and 5 of paragraph 5 of this article, insurers and insurance brokers are required to notify the insurance supervisory authority in writing and at the same time submit documents confirming these changes within 30 days from the date of these changes.

11. The decision to issue a license or to refuse to issue a license is made by the insurance supervisory body within a period not exceeding 60 days from the date the insurance supervisory body receives all the documents provided for by this article for the license applicant to obtain a license. The insurance supervisory authority is obliged to inform the license applicant about the decision within five working days from the date of the decision.

12. Documents submitted by insurance entities to the insurance supervisory authority must be drawn up in Russian.

Article 32.1. Qualification and other requirements

1. Managers (including the sole executive body) of the subject of the insurance business - a legal entity or being a subject of the insurance business individual entrepreneur must have a higher economic or financial education, confirmed by a document on higher economic or financial education, recognized in the Russian Federation, as well as work experience in the field of insurance and (or) finance for at least two years.

2. The chief accountant of an insurer or insurance broker must have a higher economic or financial education, confirmed by a document on higher economic or financial education, recognized in the Russian Federation, as well as work experience in the specialty of at least two years in an insurance, reinsurance organization and (or) brokerage organizations registered on the territory of the Russian Federation.

3. Lost power.

4. An insurance actuary must have a higher mathematical (technical) or economic education, confirmed by a document on higher mathematical (technical) or economic education, recognized in the Russian Federation, as well as a qualification certificate confirming knowledge in the field of actuarial calculations.

5. The managers (including the sole executive body) and the chief accountant of the insurance business entity - a legal entity must permanently reside in the territory of the Russian Federation.

Article 32.2. Lost power.

Article 32.3. Grounds for refusing to issue a license to a license applicant
1. The grounds for refusing to issue a license to a license applicant are:
the use by a license applicant - a legal entity that has applied to the insurance supervisory authority for a license, of a complete designation that individualizes another insurance entity, information about which is included in the unified state register of insurance entities. This provision does not apply to subsidiaries and dependent companies of the insurance business entity;
whether the applicant has a license on the date of filing an application for additional types of voluntary and (or) compulsory insurance, mutual insurance of an unresolved violation of insurance legislation;
non-compliance of the documents submitted by the license applicant to obtain a license with the requirements of this Law and the regulatory legal acts of the insurance regulatory body;
non-compliance of the constituent documents with the requirements of the legislation of the Russian Federation;
the presence of inaccurate information in the documents submitted by the license applicant;
whether the managers (including the sole executive body) or the chief accountant of the license applicant have an unexpunged or unexpunged criminal record;
failure by insurers to ensure their financial stability and solvency in accordance with the regulations of the insurance regulatory body;
presence of an unfulfilled order of the insurance supervisory authority;
insolvency (bankruptcy) (including deliberate or fictitious bankruptcy) of an insurance business entity - a legal entity through the fault of the founder of the license applicant.

2. The decision of the insurance supervisory body to refuse to issue a license is sent in writing to the license applicant within five working days from the date of such decision, indicating the reasons for the refusal.
The decision to refuse to issue a license must contain the grounds for refusal with a mandatory reference to the violations committed and must be made no later than the deadline established by this Law.
The decision to refuse to issue a license is sent to the license applicant with notification of delivery of such a decision.

Article 32.4. License revocation

Cancellation of a license or cancellation of the decision to issue a license is carried out in the following cases:
failure by the license applicant to take measures to obtain a license within two months from the date of notification of the issuance of the license; establishing, prior to the issuance of a license, the fact that the license applicant provided false information.

Article 32.5. License validity

1. A license is issued without limiting its validity period, except for cases specified by this Law.

2. A temporary license may be issued for the following period:
specified in the application of the license applicant, but for no more than three years;
from one year to three years in the absence of information that allows a reliable assessment of the insurance risks provided for by the insurance rules presented during licensing, as well as in cases established by insurance legislation.

3. The validity period of a temporary license may be extended at the request of the license applicant, unless otherwise provided by insurance legislation.
An extension of the validity period of a temporary license may be refused if, during its validity, violations of the insurance legislation by the license applicant are established, which are not eliminated within the prescribed period.

Article 32.6. Restriction or suspension of a license

1. If a violation of insurance legislation is detected, the insurance supervisory body gives an order to the insurance entity to eliminate the violation (hereinafter referred to as the order).

2. An order is given in the following cases:
1) the insurance entity carries out activities prohibited by law, as well as activities in violation of the conditions established for issuing a license;
2) non-compliance by the insurer with insurance legislation regarding the formation and placement of insurance reserves, other funds guaranteeing the implementation of insurance payments;
3) failure by the insurer to comply with the established requirements for ensuring the standard ratio of assets and assumed liabilities, other established requirements for ensuring financial stability and solvency;
4) violation by the insurance entity of the established requirements to submit established reports to the insurance supervisory body and (or) its territorial body;
5) failure by the insurance entity to submit within the established period of time the documents required in the procedure for carrying out insurance supervision within the competence of the insurance supervisory body;
6) establishing the fact that the insurance entity submitted incomplete and (or) unreliable information to the insurance supervisory body and (or) its territorial body;
7) failure by the insurance entity to submit within the prescribed period of time to the insurance supervisory body information on changes and additions made to the documents specified in paragraph 10 of Article 32 of this Law (with the attachment of documents confirming such changes and additions).

3. The order is sent to the subject of the insurance business; if necessary, a copy of the order is sent to the relevant executive authorities.
The subject of the insurance business, within the period established by the order, submits to the insurance supervisory body documents confirming the elimination of the identified violations.
These documents must be reviewed within 30 days from the date of receipt of all documents confirming the execution of the order in full.
Submission by the insurance entity within the prescribed period of documents confirming the elimination of identified violations is the basis for recognizing the order as fulfilled. The insurance entity is notified of the withdrawal of the order within five working days from the date of such decision.
The subsequent establishment of the fact that the insurance entity submitted documents containing false information is the basis for recognizing the previously given order as unfulfilled.

4. In case of failure to comply with the order properly or within the prescribed period, as well as in the case of evasion by the insurance business entity from receiving the order, the validity of the license is limited or suspended in the manner established by this Law.

5. Limiting the validity of an insurer’s license means a ban on concluding insurance contracts for certain types of insurance, reinsurance contracts, as well as introducing changes that entail an increase in the insurer’s obligations to the relevant contracts.

6. Suspension of the license of an insurance business entity means a ban on concluding insurance contracts, reinsurance contracts, contracts for the provision of insurance brokerage services, as well as introducing changes that entail an increase in the obligations of the insurance business entity into the relevant contracts.

7. The decision of the insurance supervisory body to limit or suspend the validity of a license is subject to publication in a printed publication determined by the insurance supervisory body within 10 working days from the date of such decision and comes into force from the date of its publication. The decision of the insurance supervisory body to restrict or suspend the license is sent to the insurance business entity in writing within five working days from the date of entry into force of such a decision, indicating the reasons for the restriction or suspension of the license.

8. If necessary, a copy of the decision to limit or suspend the license is sent to the relevant executive authority.

Article 32.7. License renewal

1. Renewal of a license after its restriction or suspension means restoration of the right of the insurance business entity to carry out the activity for which the license was issued in full.

2. The basis for canceling the measures provided for in paragraphs 5 and 6 of Article 32.6 of this Law is the elimination by the insurance entity of the identified violations within the prescribed period and in full.

3. The decision to renew the license comes into force from the date of its adoption and is brought to the attention of the insurance business entity and other interested parties within 15 days from the date of such decision. The decision to renew the license is published in a printed publication determined by the insurance supervisory authority.

Article 32.8. Termination of insurance activities of an insurance business entity or its liquidation in connection with revocation of a license

1. The basis for termination of the insurance activity of an insurance business entity is a court decision, as well as a decision of the insurance supervisory body to revoke a license, including one taken at the request of an insurance business entity.

2. The decision to revoke a license is made by the insurance supervisory body:

1) when carrying out insurance supervision:
in the event that the insurance entity fails to eliminate within the prescribed period violations of insurance legislation that were the basis for restriction or suspension of the license;
in the event that the insurance entity, within 12 months from the date of receipt of the license, has not begun to carry out the activities provided for by the license or does not carry it out during the financial year;
in other cases provided for by federal law;
2) at the initiative of the insurance entity - on the basis of its written application to refuse to carry out the activities provided for by the license.

3. The decision of the insurance supervisory body to revoke a license is subject to publication in a printed publication determined by the insurance supervisory body within 10 working days from the date of such decision and comes into force from the date of its publication, unless otherwise established by federal law. The decision of the insurance supervisory body to revoke a license is sent to the insurance entity in writing within five working days from the date of entry into force of such a decision, indicating the reasons for revocation of the license. A copy of the decision to revoke the license is sent to the relevant executive authority in accordance with the legislation of the Russian Federation.

4. From the date of entry into force of the decision of the insurance supervisory body to revoke the license, the insurance entity does not have the right to enter into insurance contracts, reinsurance contracts, contracts for the provision of insurance brokerage services, as well as make changes that entail an increase in the obligations of the insurance entity to the relevant contracts.

5. Before the expiration of six months after the entry into force of the decision of the insurance supervisory body to revoke the license, the insurance entity is obliged to:
1) make a decision to terminate insurance activities in accordance with the legislation of the Russian Federation;
2) fulfill obligations arising from insurance (reinsurance) contracts, including making insurance payments for insured events;
3) carry out the transfer of obligations assumed under insurance contracts (insurance portfolio), and (or) termination of insurance contracts, reinsurance contracts, contracts for the provision of insurance brokerage services.

6. The insurer, within a month from the date of entry into force of the decision of the insurance supervisory body to revoke the license, notifies policyholders about the revocation of the license, about early termination insurance contracts, reinsurance contracts and (or) on the transfer of obligations assumed under insurance contracts (insurance portfolio), indicating the insurer to which this insurance portfolio can be transferred. In this case, the notification also recognizes the publication of the specified information in periodicals, the circulation of each of which is at least 10 thousand copies and which are distributed in the territory where the insurers operate.

7. Obligations under insurance contracts for which the relations of the parties are not regulated, after three months from the date of entry into force of the decision of the insurance supervisory body to revoke the license, are subject to transfer to another insurer. Transfer of obligations assumed under specified agreements(insurance portfolio), is carried out with the consent of the insurance supervisory authority. The insurance supervisory authority sends a decision in writing on consent to the transfer of the insurance portfolio or on refusal to give such consent based on the results of checking the solvency of the insurer accepting the insurance portfolio, within 20 working days after the date of submission of the application for the transfer of the insurance portfolio. The insurance supervisory authority does not give consent to the transfer of the insurance portfolio if, based on the results of an audit of the solvency of the insurer accepting the insurance portfolio, it is determined that the specified insurer does not have sufficient own funds, that is, does not meet the solvency requirements taking into account newly assumed obligations.

8. Before fulfilling the obligations provided for in paragraph 5 of this article, the insurance entity submits to the insurance supervisory body financial statements quarterly.

9. Before the expiration of six months from the date of entry into force of the decision of the insurance supervisory body to revoke the license, the insurance entity is obliged to submit to the insurance supervisory body documents confirming the fulfillment of the obligations provided for in paragraph 5 of this article:

1) a decision to terminate insurance activities made by the management body of an insurance business entity - a legal entity authorized to make these decisions in accordance with the constituent documents, or by an insurance business entity registered in the manner established by the legislation of the Russian Federation as an individual entrepreneur;
2) documents containing information on the presence or absence in writing of demands of policyholders (beneficiaries) for the fulfillment or early termination of obligations arising from insurance (reinsurance) contracts, contracts for the provision of insurance brokerage services, as well as documents confirming the transfer of obligations, accepted under insurance contracts (insurance portfolio);
3) financial statements with a mark from the tax authority and an auditor’s report as of the closest reporting date to the day of expiration of six months from the date of entry into force of the decision of the insurance supervisory body to revoke the license;
4) original license.

10. If the insurance supervisory body fails to receive the documents provided for in paragraph 9 of this article, before the expiration of six months from the date of entry into force of the decision of the insurance supervisory body to revoke the license, the insurance supervisory body is obliged to apply to the court with a claim for the liquidation of the subject of the insurance business - a legal entity or on termination by the subject of the insurance business - an individual - of activities as an individual entrepreneur.

Article 32.9. Classification of types of insurance

1. The license issued to the insurer shall indicate the provisions provided for by the classification the following types insurance:
1) life insurance in case of death, survival to a certain age or period, or the occurrence of another event;
2) pension insurance:
3) life insurance with the condition of periodic insurance payments (rents, annuities) and (or) with the participation of the policyholder in the investment income of the insurer;
4) insurance against accidents and illnesses;
5) health insurance;
6) funds insurance ground transport(except for railway transport);
7) insurance of railway transport vehicles;
8) insurance of air transport;
9) insurance of water transport;
10) cargo insurance;
11) agricultural insurance (insurance of crops, crops, perennial plants, animals);
12) insurance of property of legal entities, with the exception of Vehicle and agricultural insurance;
13) insurance of citizens’ property, with the exception of vehicles;
14) insurance of civil liability of owners vehicles;
15) civil liability insurance for owners of aircraft;
16) insurance of civil liability of owners of water transport vehicles;
17) civil liability insurance of owners of railway transport vehicles;
18) insurance of civil liability of organizations operating hazardous facilities;
19) insurance of civil liability for damage caused by defects in goods, works, services;
20) insurance of civil liability for damage to third parties;
21) insurance of civil liability for non-fulfillment or improper fulfillment of obligations under the contract;
22) insurance of business risks;
23) insurance of financial risks.

2. To obtain licenses, insurers submit to the insurance supervisory body insurance rules that can be classified as types of insurance provided for in paragraph 1 of this article.

3. In order to specify individual insurance conditions, insurers have the right to develop additional insurance rules. The specified insurance rules are sent to the insurance supervisory authority by notification.

Article 33. Observance of commercial and other secrets protected by law by officials of the insurance supervisory body

Officials of the insurance supervisory body do not have the right to disclose in any form information that constitutes a commercial or other legally protected secret of an insurance entity, except in cases provided for by the legislation of the Russian Federation.

Chapter V. FINAL PROVISIONS

Article 34. Insurance of foreign citizens, stateless persons and foreign legal entities on the territory of the Russian Federation

Foreign citizens, stateless persons and foreign legal entities on the territory of the Russian Federation enjoy the right to insurance protection on an equal basis with citizens and legal entities of the Russian Federation.

Article 35. Dispute consideration

Disputes related to insurance, disputes about the right of an insurance entity to use a name (company name), as well as disputes related to the actions of the insurance supervisory body and its officials, are resolved by a court, arbitration court or arbitration tribunal in accordance with their competence.

Article 36. International treaties

If international treaties of the Russian Federation or the former USSR establish rules other than those contained in the legislation of the Russian Federation on insurance, then the rules of the international treaty apply.

President of the Russian Federation B.YELTSIN Moscow,
House of Soviets of Russia November 27, 1992 N 4015-1

RUSSIAN FEDERATION

ABOUT THE ORGANIZATION OF INSURANCE BUSINESS IN THE RUSSIAN FEDERATION

Chapter I. GENERAL PROVISIONS

Article 1. Relations regulated by this Law

1. This Law regulates relations between persons carrying out activities in the field of insurance business, or with their participation, relations in the implementation of state supervision over the activities of insurance business entities, as well as other relations related to the organization of insurance business.
2. The relations specified in paragraph 1 of this article are also regulated by federal laws, decrees of the President of the Russian Federation, decrees of the Government of the Russian Federation adopted in accordance with this Law.
In the cases provided for by this Law, federal executive authorities, within the limits of their competence, may adopt regulatory legal acts.
3. For the purposes of this Law, federal laws and other regulatory legal acts provided for in paragraphs 1 and 2 of this article are an integral part of the insurance legislation.
4. This Law applies to compulsory insurance relations in terms of establishing the legal basis for regulating these relations.
5. This Law does not apply to relations on compulsory insurance of individuals’ deposits in banks, as well as relations on insurance of export loans and investments against business and (or) political risks, carried out in accordance with Federal Law of May 17, 2007 N 82 - Federal Law "On the Development Bank".

6. This Law applies to insurance organizations providing compulsory medical insurance, taking into account the specifics established by the Federal Law “On Compulsory Medical Insurance in the Russian Federation”.

Article 2. Insurance and insurance activities (insurance business)

1. Insurance - relations to protect the interests of individuals and legal entities, the Russian Federation, constituent entities of the Russian Federation and municipalities in the event of certain insured events at the expense of funds formed by insurers from paid insurance premiums (insurance contributions), as well as at the expense of other funds of insurers .
2. Insurance activity (insurance business) - the scope of activity of insurers in insurance, reinsurance, mutual insurance, as well as insurance brokers, insurance actuaries in the provision of services related to insurance and reinsurance.

Article 3. The purpose and objectives of organizing the insurance business. Insurance forms

1. The purpose of organizing the insurance business is to ensure the protection of the property interests of individuals and legal entities, the Russian Federation, constituent entities of the Russian Federation and municipalities in the event of insured events.
The objectives of the insurance business organization are:
- implementation of a unified state policy in the field of insurance;
- establishment of insurance principles and formation of insurance mechanisms that ensure the economic security of citizens and business entities on the territory of the Russian Federation.
2. Insurance is carried out in the form of voluntary insurance and compulsory insurance.
3. Voluntary insurance is carried out on the basis of an insurance contract and insurance rules that determine the general conditions and procedure for its implementation. Insurance rules are adopted and approved by the insurer or an association of insurers independently in accordance with the Civil Code of the Russian Federation and this Law and contain provisions on the subjects of insurance, on the objects of insurance, on insured events, on insurance risks, on the procedure for determining the insured amount, insurance tariff, insurance premium (insurance premiums), on the procedure for concluding, executing and terminating insurance contracts, on the rights and obligations of the parties, on determining the amount of losses or damage, on the procedure for determining insurance payment, on cases of refusal of insurance payment and other provisions.
4. The conditions and procedure for the implementation of compulsory insurance are determined by federal laws on specific types of compulsory insurance. The federal law on a specific type of compulsory insurance must contain provisions defining:
a) insurance subjects;
b) objects subject to insurance;
c) list of insured events;
d) the minimum amount of the insured amount or the procedure for determining it;
e) the size, structure or procedure for determining the insurance tariff;
f) the deadline and procedure for paying the insurance premium (insurance contributions);
g) the validity period of the insurance contract;
h) the procedure for determining the amount of insurance payment;
i) control over the implementation of insurance;
j) consequences of non-fulfillment or improper fulfillment of obligations by insurance entities;
k) other provisions.

Article 4. Insurance objects

1. The objects of personal insurance may be property interests related to:
1) with the survival of citizens to a certain age or period, with death, with the occurrence of other events in the lives of citizens (life insurance);

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Birthday number 5 symbolizes an enthusiastic nature, loving adventure and risky activities, prone to everything unusual. You are active, love trips and travel, and feel at home everywhere.

You quickly and easily learn foreign languages and traditions of other peoples. Often your actions and behavior turn out to be completely sudden and unexpected, with unpredictable consequences.
With all the difficulties, you usually get away with it. In many ways, resourcefulness, wit, and cheerfulness help you in life. Love for frequent changes can prevent you from appreciating the present and seeing real prospects.

5 is the number of feelings. And people of this number are indeed extremely sensitive. By nature they are very lively, impulsive, frivolous, prone to risk, and value pleasure very much. As a rule, they are easily excitable and are often susceptible to nervous disorders. In business, people of number 5 tend to succeed and recover very quickly from failures. They have the best relationships with those with the same number.

The lucky day of the week for the number 5 is Thursday.

Your planet is Jupiter.

Advice: You are always focused only forward, although sometimes it is useful for you to see what is at hand.

Important:

The desire for freedom, liveliness, sociability.
Five makes a person sexy and nervous, adventurous and lively. Encourages you to always be on the side of the law, protect the weak, and expose any injustice.

Five patronizes rulers, missionaries, teachers, philosophers, lawyers, bosses and travelers.

Love and sex:

When looking for a sexual partner, these people usually show reckless courage and can have many affairs before deciding to take the final step.

They love to experiment in this area and take a wait-and-see attitude for a long time. Whether their marriage or intimate relationship will be successful or unsuccessful depends on the extent to which the partners understand each other and whether they are ready to fill their love affair with spiritual content. They are usually embarrassed by external manifestations of feelings.

Words play a more important role for them than caresses, kisses, and sometimes sex itself. But over the years, they understand that words alone are not enough for harmony.

Birth number for a woman

Birth number 5 for a woman Such a woman is very attractive, artistic, and charming. She is partial to flattery, can be selfish, and prone to flirting. She is very sensitive and acutely perceives her surroundings. She needs to be admired, respected, approved. She has an ostentatious demeanor. It is impossible to resist her manifestations of tenderness and love. She is both sensual and soulful. She likes open relationships so that others can see the beauty and dignity of her chosen one. She is attracted to people who have certain life experience and sufficient intelligence. She makes her own decisions and acts in her own way. Don't hurt her pride or try to control her habits. Such a woman strives to participate in various events, evenings, receive numerous guests in the house, and be a member of societies and clubs. She brings with her a bright perception of life, a fresh wind of freedom. Her partner never knows what she is really thinking about and what she will do in the next moment. She is skilled in love relationships. Takes care of those he loves. It’s good if there is a pragmatic partner nearby who accepts and restrains this overflowing vital energy.

Birth number for a man

Birth number 5 for a man Confident, charming, independent man, does not like to ask or back down. His sexuality involves all five senses, especially touch. He enjoys the present moment. Prefers peace and serenity rather than drama or inspiration over aspiration. In love, he wants to see tangible results of his efforts. He likes to be the leader in a relationship when he is loved and respected. Lack of self-criticism and laziness are its negative sides. He needs a sociable woman, a relationship with whom would be open, with whom he can discuss almost all issues. What attracts him to a woman is her appearance, her intellect, and her spiritual world. She must look attractive in the eyes of her friends. It's good if a woman shares or accepts his passion for travel and adventure. Pleasure and freedom of action are perhaps the main goal of his life. To a woman who shows him her love, talks about her, treats him to delicious food, nurtures his pride, makes him comfortable, he will give sensual responsiveness and tender attention. He will fulfill her every need with thoroughness and skill. He is characterized by romance and generosity.

Birth number 27

These people are very original and materialistic by nature. They are looking for confidence in life, smart people for spiritual communication. They have a good imagination and a sharp mind. They love to travel and know a lot. They are stimulated by the power of the mind rather than by physical needs.

They are drawn to those who can give them moral support, who are gentle but unpredictable. If a person is understandable, then they are not interested in him. They can get along with many people.
They can't dominate, it pushes people away.

They are attracted to the opposite sex out of “love of art” rather than out of desire.
There may be skin diseases, mental disorders, fevers.

Pythagorean square or psychomatrix

The qualities listed in the cells of the square can be strong, average, weak or absent, it all depends on the number of numbers in the cell.

Decoding the Pythagorean Square (cells of the square)

Character, willpower - 4

Energy, charisma - 4

Cognition, creativity - 1

Health, beauty - 0

Logic, intuition - 1

Hard work, skill - 0

Luck, luck - 1

Sense of duty - 1

Memory, mind - 2

Decoding the Pythagorean Square (rows, columns and diagonals of the square)

The higher the value, the more pronounced the quality.

Self-esteem (column “1-2-3”) - 9

Making money (column “4-5-6”) - 1

Talent potential (column “7-8-9”) - 4

Determination (line “1-4-7”) - 5

Family (line "2-5-8") - 6

Stability (line “3-6-9”) - 3

Spiritual potential (diagonal “1-5-9”) - 7

Temperament (diagonal “3-5-7”) - 3

Chinese zodiac sign Monkey

Every 2 years the Element of the year changes (fire, earth, metal, water, wood). The Chinese astrological system divides years into active, stormy (Yang) and passive, calm (Yin).

You Monkey elements Water of the year Ian

Birth hours

24 hours correspond to the twelve signs of the Chinese zodiac. The sign of the Chinese horoscope of birth corresponds to the time of birth, so it is very important to know the exact time of birth; it has a strong impact on a person’s character. It is argued that by looking at your birth horoscope you can accurately determine the characteristics of your character.

The most striking manifestation of the qualities of the hour of birth will occur if the symbol of the hour of birth coincides with the symbol of the year. For example, a person born in the year and hour of the Horse will display the maximum qualities prescribed for this sign.

Rat – 23:00 – 01:00
Bull – 1:00 – 3:00
Tiger – 3:00 – 5:00
Rabbit – 5:00 – 7:00
Dragon – 7:00 – 9:00
Snake – 09:00 – 11:00
Horse – 11:00 – 13:00
Goat – 13:00 – 15:00
Monkey – 15:00 – 17:00
Rooster – 17:00 – 19:00
Dog – 19:00 – 21:00
Pig – 21:00 – 23:00

European zodiac sign Sagittarius

Dates: 2013-11-23 -2013-12-21

The four Elements and their Signs are distributed as follows: Fire(Aries, Leo and Sagittarius), Earth(Taurus, Virgo and Capricorn), Air(Gemini, Libra and Aquarius) and Water(Cancer, Scorpio and Pisces). Since the elements help to describe the main character traits of a person, by including them in our horoscope, they help to compose more full view about this or that person.

The characteristics of this element are warmth and dryness, which are accompanied by metaphysical energy, life and its power. There are 3 signs in the Zodiac that have these qualities, the so-called. fire trine (triangle): Aries, Leo, Sagittarius. The Fire trine is considered a creative trine. Principle: action, activity, energy.
Fire is the main controlling force of instinct, spirit, thought and mind, forcing us to move forward, believe, hope, and defend our convictions. The main driving force of Fire is ambition. Fire gives zeal, impatience, carelessness, self-confidence, hot temper, impetuosity, impudence, courage, courage, belligerence. It supports life in the human body, is responsible for temperature control and stimulates metabolism.
People in whose horoscopes the trine of the Fire element is highlighted have a choleric temperament. These people will never go unnoticed; they will achieve recognition from others, especially in an environment that is close to them in spirit and ideologically connected with them. These people have a creative spirit and unshakable will, inexhaustible “Martian energy” and extraordinary penetrating power. The Fire element gives organizational talent, a thirst for activity and enterprise.
The peculiarity of people of this trigon is the ability to be inspired and to be devoted to an idea, a cause, a partner, even to the point of self-sacrifice. They are brave, courageous and courageous. The rise of their souls and their inherent business activity help them reach peaks in both the spiritual and material spheres. They receive true pleasure from their activities, are proud of the results of their work and expect universal recognition.
Fire people are innate leaders who love and know how to lead and command. They are, as it were, charged with cosmic electrical voltage of a certain polarity, which they transmit to others in the form of attraction or repulsion, which keeps the people around them in constant tension and excitement. They try to win personal freedom, independence and independence, which is most precious to them, at an early age. But there is one paradox: they do not like and do not want to obey, but their ability to adapt to various circumstances is excellently developed.
They have strongly expressed character traits such as tenacity, perseverance, self-affirmation, willfulness, and intransigence. Anyone who is connected with a person of the Fire trine through a partnership knows well that these people always follow their line. They can be the main conductors, performers of the main roles, but never extras. It is simply impossible to subordinate them to someone else’s will; only they will command the parade and lead, although often from behind the scenes. They recognize only wise and fair autocracy and most of all hate despotism and tyranny in all their forms.
At first, people of the Fire trigon quickly “light up”, are inspired by new ideas and people, without much thinking, immediately get involved in the matter, involving everyone around them in order to achieve the goal they have set, which comes to them from the outside, or arises within them. But they also quickly lose interest in an old business that has already begun, if they are inspired by a new, more significant idea for them, or if the matter becomes protracted and requires constant effort. These are people of a jerk, an impulse, waiting for death is like death for them. Fire is the creative force that can lift them to the “seventh heaven” or “throw them into the abyss.”
People belonging to the element of Fire must restrain their negative character traits, especially ardor and impetuosity, belligerence and aggressiveness. They must avoid conflict situations and confrontation with the outside world, so as not to harm their idea, for which they are fighting, or their business, the implementation of which they dream of.
Children of this trine are difficult to educate, often cannot be educated at all, and in order to have even the slightest result in working with them, you have to use specific methods of education. Violence and coercion are categorically excluded, as this causes stubbornness, obstinacy and resistance in them. You can approach them only with love and affection, with warmth and gentleness; it is very important to be fair with them, never deceive them, and not belittle their self-esteem.

Gemini, Virgo, Sagittarius and Pisces. The mutable cross is the cross of reason, connection, adaptation, distribution. The main quality is the transformation of ideas. He is always here and now, that is, in the present. It gives mobility, flexibility, adaptability, flexibility, duality. People in whose horoscopes the Sun, Moon or most of the personal planets are in mutable signs have diplomatic abilities. They have a flexible mind and subtle intuition. They are usually very careful, prudent, vigilant and constantly in a state of anticipation, which helps them adapt to any situation. The main thing for them is to have information. When they feel not very competent or informed in any matter, they are excellent at evading and dodging everyone and everything, although they are considered the most knowledgeable of the entire Zodiac. They are sociable, courteous, talkative, and interesting conversationalists. They easily and skillfully give up positions, admit their mistakes and blunders, and agree with their opponents and interlocutors. People with a mutable cross strive for internal harmony, agreement, mediation and cooperation, but are subject to strong internal anxiety and outside influence. Their greatest passion is curiosity, which forces them to be in constant motion. Their views and worldview are rather unstable and depend on the environment. They often lack their own point of view. This partly explains the reasons for their imbalance and inconstancy, the changes in their lives. The true goals and plans of these people are difficult to predict, but they almost accurately guess the plans of others. They take advantage of every opportunity that can bring them benefit or profit, and skillfully manage to circumvent the blows of fate. People with a mutable cross are born realists. To achieve their goal, they use numerous friends, acquaintances, neighbors, relatives, co-workers, even strangers. Life crises are easily experienced and quickly forgotten. If there is no direct path to a life goal, then they will take a circuitous path, thinking through every step, avoiding all visible sharp corners, avoiding all pitfalls. What helps them is their natural cunning and slyness, flattery and deception, and ability to deceive. Mutable signs will help out from any emergency, unusual situation, such a situation will not make them nervous, they will only feel their element in which they can finally act. At the same time, their psyche and nervous system are very unstable. Serious obstacles can quickly incapacitate them, unsettle them and delay the achievement of their goals. In this case, they do not resist, but go with the flow.

Sagittarius is Fire in the third zone, Fire that is transformative, mutable, undergoing metamorphosis, in which the elements of the Earth appear. On the external plane, Sagittarius has a lot of Fire, and on the internal plane, the element of Earth begins to sound. The main formative planet for Sagittarius is Jupiter. The symbol of Sagittarius is a Centaur with a bow and arrow, whose arrow is directed upward to the new, higher, spiritual.
This is a very interesting sign, complex and, to some extent, contradictory, even in its designation: Centaur is a horse man. At best it is a horse-man, at worst it is a “horse-man”, that is, you start with hooves, legs and somehow have “something” at the top. Here there is a merging of two hypostases, two halves: the animal, human and the higher, spiritual hypostasis. Earth in this sign creates conservatism, a desire to protect the old and sometimes a reluctance to create the new.

You are very impulsive and tend to be generous. Even with varying degrees of openness and closedness, you can have a very open soul. You can be overly frank and sociable, you are independent, passionate and always strive for freedom. This is the manifestation of the element of Fire and its influence on the spiritual structure. At the internal level, the element of Earth manifests itself in you, so in your actions you are often conservative, striving for what has already been accumulated and firmly established. If you enter a new field of activity or science, then only when there is already some stability there, a new platform appears. Headlong, in completely new circumstances, you will never go anywhere, so in extreme situations you protect everything old, everything traditional and strong - that you can rely on. You are capable, even in the name of the old, of destroying the new, emerging, even what appears in your inner world.
It should be noted that you usually plan your place under the Sun, knowing in advance where you will go, what you will do, planning your field of activity in life, and the combination of Earth and Fire gives you simply inflexibility. In general, you usually love to teach, especially at the lowest level, devoid of intelligence. In the case of higher development, this quality is hidden and used more constructively. Therefore, among Sagittarius we find many teachers and lecturers. You can easily win over others.

You are most likely a charming person, and this, as a rule, has nothing to do with your appearance. You may be ugly, but you exude charm. The smile that flashes on your face transforms you and lights up the whole environment. But, on the other hand, you are very scrupulous about your interests. When it comes to your personal interests, it is better not to deal with you, because in the lower and average cases you awaken the lower animal nature in yourself and can show the worst horse qualities: hit your head, hit your croup, kick. So in critical situations it is better not to contact you.
When you work as a boss, relationships with you are quite difficult, but in a high case you can always find a common human language. If we talk about your worst manifestations, it could be the love of awards and honors. You love to “shoot” rewards. In our history there was such a Sagittarius - L.I. Brezhnev, and we all know and have seen what Sagittarians are like, who have reached the heights of power without having internal spiritual foundations for this. Sagittarius has problems with speech, with words, so the Sagittarius Brezhnev, known to us, spoke poorly. In the highest case, you are a highly spiritual person, you can be a priest who adheres to the divine, cosmic hierarchy given from God. For even more high level you can even be a cosmic, high spiritual Teacher, a conductor of the cosmic high spiritual Law, a person who has the moral and spiritual right to teach. You are capable of being a missionary, selflessly spreading spiritual knowledge. Without Sagittarius, our world would become spiritually poor and flawed. At the average level, Sagittarius is a boss, often conservative, who gives orders with ease and loves to create ideological structures. At a low level, this is a bureaucrat, and he is characterized, on the one hand, by veneration and sycophancy, and on the other, he can be an upstart and an adventurer who achieves his post by the most unseemly means. Your main spiritual problem is to work out the lower principle in yourself, to subjugate “ horse” to “man”, since in the centaur the “horse” sometimes manifests itself in the most terrible and indecent form. Your karmic task is to bring a high ideology to people. You shoot your arrow into spiritual heights, and thus gain access to spiritual knowledge and systems that you must carry out karmically in our physical manifestation.

The country of Sagittarius is Poland.
A typical representative of the Sagittarius sign was the famous political figure Winston Churchill. He was outwardly a rude, harsh and intolerant person, reflecting in this form the influence of Aries, but internally he maintained a very rigid structure, a clear position and the iron conservatism of the Earth element. It is interesting to note the fact that from the age of 17 Churchill knew astrology, knew his horoscope, his destiny and knew perfectly well that if he came to power, it would be only after 50 years. Therefore, until this age, he was engaged in anything, just not politics, but calmly waited for his finest hour. And when that time came, he made a brilliant political career, literally in 2 years he soared to the pinnacle of political power. The Roman popes: Julius II, Leo X were also Sagittarius, these were people who, in their actions, in their worldview, adhered to established traditions, positions, a given course and a rather rigid spiritual hierarchy.

Born under the sign of Sagittarius: Aguilera, Aitmatov, Woody Allen, Basinger, Beethoven, Berlioz, Blok, Tycho Brahe, Bronevoy, Bruce Lee, Brezhnev, A. Vertinskaya, Lope de Vega, Versace, Volchek, Heine, Grebenshchikov, Disney, Jovovich, F. Konyukhov, Dm. Likhachev, Carnegie, P. Kaas, Krachkovskaya, Maslyakov, J. Marais, Makarevich, Mordyukova, Nikulin, Nekrasov, Nero, Ozzy Osbourne, Piaf, Papanin, Rilke, Spielberg, Stout, Sukachev, Maria Stewart, Britney Spears, Swift, Solzhenitsyn , Spinoza, Suvorov, Tina Turner, Tussaud, Tyutchev, Twain, Ugolnikov, Flaubert, Fet, Freundlich, Khazanov, J. Hendrix, Zweig, Churchill, R. Shchedrin, Engels, Eiffel.

Watch a video:

Sagittarius | 13 zodiac signs | TV channel TV-3

The site provides condensed information about the zodiac signs. Detailed information can be found on the relevant websites.

RUSSIAN FEDERATION

LAW
ABOUT THE ORGANIZATION OF INSURANCE BUSINESS
IN RUSSIAN FEDERATION

(as amended by Federal Laws
dated December 31, 1997 No. 157-FZ,
dated November 20, 1999 No. 204-FZ)

Chapter I. GENERAL PROVISIONS

Article 1. Relations regulated by this Law

1. This Law regulates relations in the field of insurance between insurance organizations and citizens, enterprises, institutions, organizations, relations of insurance organizations among themselves, and also establishes the basic principles government regulation insurance activities.

2. Relations in the field of insurance are also regulated by other acts of legislation of the Russian Federation adopted on the basis of this Law.

3. This Law does not apply to state social insurance.

Article 2. Concept of insurance

Insurance is a relationship to protect the property interests of individuals and legal entities upon the occurrence of certain events (insured events) at the expense of monetary funds formed from the insurance contributions (insurance premiums) they pay.

Article 3. Forms of insurance

1. Insurance can be carried out in voluntary and compulsory forms.

2. Voluntary insurance is carried out on the basis of an agreement between the policyholder and the insurer. The rules of voluntary insurance, defining the general conditions and procedure for its implementation, are established by the insurer independently in accordance with the provisions of this Law. Specific insurance conditions are determined when concluding an insurance contract.

3. Insurance provided by law is mandatory. The types, conditions and procedure for compulsory insurance are determined by the relevant laws of the Russian Federation.

Article 4. Insurance objects

The objects of insurance may be property interests that do not contradict the legislation of the Russian Federation:

related to life, health, work ability and pension provision the policyholder or the insured person (insurance against accidents and illnesses);

related to the ownership, use, and disposal of property (property insurance);

related to compensation by the insured for damage caused to the person or property of an individual, as well as damage caused to a legal entity (liability insurance).

Insurance of the property interests of legal entities located on the territory of the Russian Federation (with the exception of reinsurance and mutual insurance) and the property interests of individuals who are residents of the Russian Federation can be carried out only by legal entities licensed to carry out insurance activities on the territory of the Russian Federation. (Part 2 introduced by Federal Law No. 157-FZ dated December 31, 1997)

Article 5. Policyholders

1. Insurers are legal entities and capable individuals who have entered into insurance contracts with insurers or are insured by force of law.

2. Policyholders have the right to conclude agreements with insurers on insurance of third parties in favor of the latter (insured persons).

3. When concluding insurance contracts, policyholders have the right to appoint individuals or legal entities (beneficiaries) to receive insurance payments under insurance contracts, as well as replace them at their own discretion, before the occurrence of an insured event.

Article 6. Insurers

1. Insurers are legal entities of any organizational and legal form provided for by the legislation of the Russian Federation, created to carry out insurance activities (insurance organizations and mutual insurance societies) and who have received, in the manner prescribed by this Law, a license to carry out insurance activities on the territory of the Russian Federation. Legislative acts of the Russian Federation may establish restrictions on the creation of insurance organizations by foreign legal entities and foreign citizens on the territory of the Russian Federation.

The subject of direct activities of insurers cannot be production, trade, intermediary and banking activities.

2. Legal entities that do not meet the requirements provided for in paragraph 1 of this article are not entitled to engage in insurance activities.

The rules established by paragraph 1 of clause 3, in terms of the ban on the provision of insurance for certain types, do not apply to insurance organizations that are subsidiaries of foreign investors (main organizations) on the date of entry into force Federal Law dated November 20, 1999 No. 204-FZ, if the implementation of the relevant types of insurance is permitted by licenses issued before the specified date. - Federal Law of November 20, 1999 No. 204-FZ.

3. Insurance organizations that are subsidiaries of foreign investors (main organizations) or have a share of foreign investors in their authorized capital of more than 49 percent cannot carry out life insurance, compulsory insurance, compulsory state insurance, property insurance related to with supplies or contract work for government needs, as well as insurance of property interests of state and municipal organizations.

If the amount (quota) of foreign capital participation in the authorized capitals of insurance organizations exceeds 15 percent, the federal executive body for supervision of insurance activities stops issuing licenses to carry out insurance activities to insurance organizations that are subsidiaries of foreign investors (main organizations ) or having a share of foreign investors in its authorized capital of more than 49 percent.

The above amount (the above quota) is calculated as the ratio of the total capital owned by foreign investors and their subsidiaries in the authorized capitals of insurance organizations to the total authorized capital of insurance organizations.

An insurance organization is required to obtain prior permission from the federal executive body for supervision of insurance activities to increase the size of its authorized capital at the expense of foreign investors and/or their subsidiaries, and to alienate its shares in favor of a foreign investor (including the sale to foreign investors) of its shares. (shares in the authorized capital), and Russian shareholders (participants) - for the alienation of their shares (shares in the authorized capital) of the insurance organization in favor of foreign investors and / or their subsidiaries. The said preliminary permission is denied to insurance organizations that are subsidiaries of foreign investors (main organizations), or have a share of foreign investors in their authorized capital of more than 49 percent, or become such as a result of these transactions, if the amount (quota) established by this paragraph exhausted or will be exceeded when they are completed.

Payment by foreign investors for their shares (shares in authorized capital) of insurance organizations is made exclusively in cash in the currency of the Russian Federation.

Persons performing the functions of the sole executive body and chief accountant of an insurance organization with foreign investment must have citizenship of the Russian Federation. (Clause 3 introduced by Federal Law No. 204-FZ dated November 20, 1999)

The rules established by paragraph 1 of clause 4 do not apply to insurance organizations with foreign investments created before the entry into force of Federal Law No. 204-FZ of November 20, 1999. - Federal Law of November 20, 1999 No. 204-FZ.

Insurance organizations that are subsidiaries of foreign investors (main organizations) or have a share of foreign investors in their authorized capital of more than 49 percent may open their branches on the territory of the Russian Federation and participate in subsidiaries of insurance organizations after receiving prior permission from the federal authority. executive power for supervision of insurance activities. The said preliminary permission is refused if the amount (quota) of participation of foreign capital in insurance organizations of the Russian Federation specified in paragraph 3 of this article is exceeded. (Clause 4 introduced by Federal Law No. 204-FZ dated November 20, 1999)

Article 7. Mutual insurance companies

For the insurance protection of their property interests, legal entities and individuals can create mutual insurance companies in the manner and under the conditions determined by the Regulations on the Mutual Insurance Society, approved by the Supreme Council of the Russian Federation.

Article 8. Insurance agents and insurance brokers

1. Insurers may carry out insurance activities through insurance agents and insurance brokers.

2. Insurance agents are individuals or legal entities acting on behalf of the insurer and on his behalf in accordance with the powers granted.

3. Insurance brokers are legal entities or individuals registered in the prescribed manner as entrepreneurs, carrying out insurance intermediary activities on their own behalf on the basis of instructions from the policyholder or insurer.

Insurance brokers are required to send a notice of intention to carry out insurance intermediary activities to the federal executive body for supervision of insurance activities 10 days before the start of this activity. A copy of the certificate (decision) on registration of the broker as a legal entity or entrepreneur must be attached to the notice. (as amended by Federal Law No. 157-FZ dated December 31, 1997)

4. Intermediary insurance activities related to the conclusion of insurance contracts on behalf of foreign insurance organizations, with the exception of civil liability insurance contracts for owners of motor vehicles traveling outside the Russian Federation, are not allowed on the territory of the Russian Federation, unless interstate agreements with the participation of the Russian Federation provide for other. (as amended by Federal Law No. 157-FZ dated December 31, 1997)

Intermediary activities related to the conclusion on the territory of the Russian Federation on behalf of foreign insurers of civil liability insurance contracts for owners of motor vehicles traveling outside the Russian Federation are permitted from the beginning of the insurance activities of the insurance organization carrying out the specified intermediary activities. (paragraph introduced by Federal Law No. 157-FZ of December 31, 1997)

Article 9. Insurance risk, insured event, insurance payment

1. An insurance risk is an expected event against which insurance is carried out.

An event considered as an insurance risk must have signs of probability and randomness of its occurrence.

3. When insured event with property, insurance payment is made in the form of insurance compensation, in case of an insured event involving the person of the policyholder or a third party - in the form of insurance coverage.

Article 10. Sum insured, insurance compensation, insurance coverage

1. The insurance amount is the amount of money determined by the insurance contract or established by law, on the basis of which the amounts are established insurance premium and insurance payment, if by agreement or legislative acts The Russian Federation does not provide otherwise.

2. When insuring property, the insured amount cannot exceed its actual value at the time of concluding the contract (insurance value). The parties cannot dispute the insurable value of the property determined in the insurance contract, except in cases where the insurer proves that it was deliberately misled by the insured.

If the insured amount determined by the insurance contract exceeds the insured value of the property, it is invalid by force of law in that part of the insured amount that exceeds the actual value of the property at the time of concluding the contract.

3. Insurance compensation cannot exceed the amount of direct damage to the insured property of the policyholder or a third party in the event of an insured event, unless the insurance contract provides for the payment of insurance compensation in a certain amount.

In the event that the insured amount is lower than the insured value of the property, the amount of insurance compensation is reduced in proportion to the ratio of the insured amount to the insured value of the property, unless otherwise provided by the terms of the insurance contract.

In the event that the policyholder has entered into property insurance contracts with several insurers for an amount exceeding the total insured value of the property (double insurance), then the insurance compensation received by him from all insurers for the insurance of this property cannot exceed its insured value. In this case, each of the insurers pays insurance compensation in an amount proportional to the ratio of the insured amount under the contract concluded by it to the total amount for all insurance contracts for the specified property concluded by this policyholder.

The terms of the insurance contract may provide for the replacement of the insurance payment with compensation for damage in kind within the limits of the amount of insurance compensation.

4. In a personal insurance contract, the insured amount is established by the policyholder by agreement with the insurer.

Insurance coverage is paid to the insured or a third party regardless of the amounts due to them under other insurance contracts, as well as under social insurance, social security and in compensation for harm. At the same time, insurance coverage for personal insurance due to the beneficiary in the event of the death of the policyholder is not included in the estate.

Article 11. Insurance premium and insurance tariff

1. The insurance premium is the payment for insurance that the policyholder is obliged to pay to the insurer in accordance with the insurance contract or the law.

2. The insurance tariff is the rate of insurance premium per unit of sum insured or object of insurance.

Insurance rates for compulsory types of insurance are established in the laws on compulsory insurance.

Insurance rates for voluntary types of personal insurance, property insurance and liability insurance can be calculated by insurers independently. The specific amount of the insurance rate is determined in the insurance contract by agreement of the parties.

Article 12. Co-insurance

The insurance object can be insured under one contract jointly by several insurers (co-insurance). At the same time, the contract must contain conditions defining the rights and obligations of each insurer.

Article 13. Reinsurance

1. Reinsurance is insurance by one insurer (reinsurer) on the terms of the risk of fulfillment of all or part of its obligations to the insured by another insurer (reinsurer) under the conditions specified in the contract.

2. The insurer who has entered into a reinsurance agreement with the reinsurer remains liable to the policyholder in full in accordance with the insurance agreement.

Article 14. Associations of insurers

1. Insurers may form unions, associations and other associations to coordinate their activities, protect the interests of their members and implement joint programs, if their creation does not contradict the requirements of the legislation of the Russian Federation. These associations do not have the right to directly engage in insurance activities.

2. Associations of insurers operate on the basis of charters and acquire the rights of legal entities after state registration with the federal executive body for supervision of insurance activities. (as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

Chapter II.

Excluded. - Federal Law of December 31, 1997 No. 157-FZ. (see text in the previous edition)

Chapter III. ENSURING FINANCIAL STABILITY OF INSURERS

Article 25. Conditions for ensuring the financial stability of insurers

The basis for the financial stability of insurers is the presence of their paid-up authorized capital and insurance reserves, as well as a reinsurance system.

Part two of Article 25 does not apply to legal entities that submitted documents in accordance with the established procedure to obtain a license to carry out insurance activities before the entry into force of Federal Law No. 157-FZ of December 31, 1997.

The minimum amount of paid authorized capital formed at the expense of Money, on the day a legal entity submits documents to obtain a license to carry out insurance activities there must be at least 25 thousand minimum sizes wages - when carrying out types of insurance other than life insurance, at least 35 thousand minimum wages - when carrying out life insurance and other types of insurance, at least 50 thousand minimum wages - when carrying out exclusively reinsurance. (Part 2 introduced by Federal Law No. 157-FZ dated December 31, 1997)

The minimum amount of paid authorized capital formed from funds on the day of submission of documents for obtaining a license to carry out insurance activities by an insurance organization that is a subsidiary of a foreign investor (parent organization) or has a share of foreign investors in its authorized capital of more than 49 percent, must be at least 250 thousand minimum wages, and when carrying out exclusively reinsurance - at least 300 thousand minimum wages. (Part 3 introduced by Federal Law No. 204-FZ of November 20, 1999)

Article 26. Insurance reserves and funds of insurers

1. To ensure the fulfillment of accepted insurance obligations, insurers, in the manner and under the conditions established by the legislation of the Russian Federation, form from the received insurance premiums the insurance reserves necessary for upcoming insurance payments for personal insurance, property insurance and liability insurance.

In a similar manner, insurers have the right to create reserves to finance measures to prevent accidents, loss or damage to insured property.

Insurance reserves formed by insurers are not subject to withdrawal to the federal and other budgets.

2. From the income remaining after taxes and at the disposal of insurers, they can form funds necessary to ensure their activities.

3. Insurers have the right to invest or otherwise place insurance reserves and other funds, as well as issue loans to policyholders who have entered into personal insurance contracts, within the limits of the insured amounts under these contracts.

4. The federal executive body for supervision of insurance activities may establish additional requirements for the procedure and conditions for the formation and placement of insurance reserves by insurance organizations with foreign investments. (Clause 4 introduced by Federal Law No. 204-FZ dated November 20, 1999)

Article 27. Guarantees of solvency of insurers

1. To ensure their solvency, insurers are required to comply with the regulatory relationships between assets and insurance liabilities assumed by them. The methodology for calculating these ratios and their standard amounts are established by the federal executive body for supervision of insurance activities. (as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

The federal executive body for supervision of insurance activities may establish additional requirements for the regulatory relationships between assets and insurance liabilities accepted by insurance organizations with foreign investments. (paragraph introduced by Federal Law dated November 20, 1999 No. 204-FZ)

2. Insurers who have accepted obligations in amounts exceeding the possibility of their fulfillment at the expense of their own funds and insurance reserves are obliged to insure the risk of fulfillment of the corresponding obligations with reinsurers.

3. The placement of insurance reserves must be carried out by insurers on the terms of diversification, repayment, profitability and liquidity.

Article 28. Accounting and reporting of insurers

1. The chart of accounts and accounting rules, indicators and forms of accounting for insurance operations and reporting of insurers are established by the federal executive body for supervision of insurance activities in agreement with the Ministry of Finance of the Russian Federation and the State Committee of the Russian Federation on Statistics. (as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

2. Personal insurance transactions are accounted for by insurers separately from property and liability insurance transactions.

Article 29. Publication of annual balance sheets by insurers

Insurers publish annual balance sheets and profit and loss accounts within the deadlines established by the federal executive body for supervision of insurance activities, after audit confirmation of the reliability of the information contained in them. (as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

Chapter IV. STATE SUPERVISION OVER INSURANCE ACTIVITIES

Article 30. State supervision of insurance activities in the Russian Federation

1. State supervision of insurance activities is carried out in order to comply with the requirements of the legislation of the Russian Federation on insurance, effective development of insurance services, protection of the rights and interests of policyholders, insurers, other interested parties and the state.

2. State supervision of insurance activities on the territory of the Russian Federation is carried out by the federal executive body for supervision of insurance activities, acting on the basis of the Regulations approved by the Government of the Russian Federation. (as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

3. The main functions of the federal executive body for supervision of insurance activities are: (as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

a) issuing licenses to insurers to carry out insurance activities;

b) maintaining a unified State register of insurers and associations of insurers, as well as a register of insurance brokers;

c) control over the validity of insurance rates and ensuring the solvency of insurers;

d) establishing rules for the formation and placement of insurance reserves, indicators and forms for recording insurance operations and reporting on insurance activities;

e) issuance, in cases provided for by this Law, of permits to increase the size of the authorized capital of insurance organizations at the expense of foreign investors, to carry out transactions with the participation of foreign investors for the alienation of shares (stakes in the authorized capital) of insurance organizations, as well as to open branches by insurance organizations with foreign investments; (paragraph "d" was introduced by Federal Law No. 204-FZ of November 20, 1999)

f) development of normative and methodological documents on issues of insurance activities referred by this Law to the competence of the federal executive body for supervision of insurance activities; (as amended by Federal Laws No. 157-FZ dated December 31, 1997, No. 204-FZ dated November 20, 1999) (see text in the previous edition)

g) generalization of the practice of insurance activities, development and submission in the prescribed manner of proposals for the development and improvement of the legislation of the Russian Federation on insurance. (as amended by Federal Law No. 204-FZ of November 20, 1999) (see text in the previous edition)

4. The federal executive body for supervision of insurance activities has the right to: (as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

a) receive from insurers established reports on insurance activities, information about their financial situation, receive information necessary to perform the functions assigned to it from enterprises, institutions and organizations, including banks, as well as from citizens;

b) check compliance by insurers with the legislation of the Russian Federation on insurance and the reliability of the reports they submit;

c) when identifying violations by insurers of the requirements of this Law, give them instructions to eliminate them, and in case of failure to comply with the instructions, suspend or limit the validity of the licenses of these insurers until the identified violations are eliminated, or make decisions to revoke the licenses;

d) contact arbitration court with a claim for the liquidation of the insurer in the event of repeated violations by the latter of the legislation of the Russian Federation, as well as for the liquidation of enterprises and organizations providing insurance without licenses.

Article 31. Suppression of monopolistic activities and unfair competition in the insurance market

Prevention, limitation and suppression of monopolistic activities and unfair competition in the insurance market is ensured by the State Committee of the Russian Federation on Antimonopoly Policy and Support of New economic structures in accordance with the antimonopoly legislation of the Russian Federation.

Article 32. Licensing of insurance activities

1. Licenses to carry out insurance activities are issued by the federal executive body for supervision of insurance activities: (as amended by Federal Law No. 157-FZ of December 31, 1997) (see text in the previous edition)

a) to insurers based on their applications with the following attachment:

constituent documents;

registration certificates;

economic justification of insurance activities;

rules on types of insurance;

calculations of insurance rates;

information about managers and their deputies;

b) insurers whose activity is exclusively reinsurance, based on their applications with the following attachment:

constituent documents;

registration certificates;

certificates of the amount of paid authorized capital;

information about managers and their deputies.

2. Licenses are issued for the provision of voluntary and compulsory personal insurance, property insurance and liability insurance, as well as reinsurance, if the subject of the insurer’s activities is exclusively reinsurance. At the same time, the licenses indicate specific types of insurance that the insurer has the right to provide.

3. The federal executive body for supervision of insurance activities shall consider applications from legal entities for the issuance of licenses within a period not exceeding 60 days from the date of receipt of the documents provided for in paragraph 1 of this article. (as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

4. The basis for refusal to issue a license to a legal entity to carry out insurance activities may be the inconsistency of the documents attached to the application with the requirements of the legislation of the Russian Federation.

The federal executive body for supervision of insurance activities shall notify the legal entity of the refusal to issue a license in writing, indicating the reasons for the refusal. (as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

5. The insurer is obliged to inform the federal executive body for supervision of insurance activities about changes made to the constituent documents within one month from the date of registration of these changes in the prescribed manner. (as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

Article 33. Observance of the insurer’s trade secrets by officials of the federal executive body for supervision of insurance activities

(as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

Officials of the federal executive body for supervision of insurance activities do not have the right to use for personal gain or disclose in any form information that constitutes a trade secret of the insurer. (as amended by Federal Law No. 157-FZ dated December 31, 1997) (see text in the previous edition)

Chapter V. FINAL PROVISIONS

Article 34. Insurance of foreign citizens, stateless persons and foreign legal entities on the territory of the Russian Federation

Foreign citizens, stateless persons and foreign legal entities on the territory of the Russian Federation enjoy the right to insurance coverage on an equal basis with citizens and legal entities of the Russian Federation.

Article 35. Dispute consideration

Disputes related to insurance are resolved by court, arbitration or arbitration courts in accordance with their competence.

Article 36. International treaties

The president
Russian Federation
B. YELTSIN

RUSSIAN FEDERATION

ABOUT THE ORGANIZATION OF INSURANCE BUSINESS IN THE RUSSIAN FEDERATION

(as amended by Federal Laws of December 31, 1997 N 157-FZ,
dated November 20, 1999 N 204-FZ, dated March 21, 2002 N 31-FZ,
dated 25.04.2002 N 41-FZ, dated 08.12.2003 N 169-FZ,
dated December 10, 2003 N 172-FZ, dated July 20, 2004 N 67-FZ,
as amended by Federal Law dated June 21, 2004 N 57-FZ)

Chapter I. GENERAL PROVISIONS

Article 1. Relations regulated by this Law

1. This Law regulates relations between persons carrying out activities in the field of insurance business, or with their participation, relations in the implementation of state supervision over the activities of insurance business entities, as well as other relations related to the organization of insurance business.
2. The relations specified in paragraph 1 of this article are also regulated by federal laws, decrees of the President of the Russian Federation, decrees of the Government of the Russian Federation adopted in accordance with this Law.
In the cases provided for by this Law, federal executive authorities, within the limits of their competence, may adopt regulatory legal acts.
3. For the purposes of this Law, federal laws and other regulatory legal acts provided for in paragraphs 1 and 2 of this article are an integral part of the insurance legislation.
4. This Law applies to compulsory insurance relations in terms of establishing the legal basis for regulating these relations.
5. This Law does not apply to relations on compulsory insurance of deposits of individuals in banks.
(Clause 5 introduced by Federal Law dated July 20, 2004 N 67-FZ)

Article 2. Insurance and insurance activities (insurance business)

(as amended by Federal Law No. 172-FZ of December 10, 2003)

Article 3. The purpose and objectives of organizing the insurance business. Insurance forms

(as amended by Federal Law No. 172-FZ of December 10, 2003)

Pages: 1 ...

Business and finance
2024 emny.ru

Legislative framework of the Russian Federation. Law on the organization of insurance business in the Russian Federation of the Russian Federation of November 27, 1992

Birth number for a woman

Birth number for a man

Birth number 27

Pythagorean square or psychomatrix

Decoding the Pythagorean Square (cells of the square)

Character, willpower - 4

Energy, charisma - 4

Cognition, creativity - 1

Health, beauty - 0

Logic, intuition - 1

Hard work, skill - 0

Luck, luck - 1

Sense of duty - 1

Memory, mind - 2

Decoding the Pythagorean Square (rows, columns and diagonals of the square)

Self-esteem (column “1-2-3”) - 9

Making money (column “4-5-6”) - 1

Talent potential (column “7-8-9”) - 4

Determination (line “1-4-7”) - 5

Family (line "2-5-8") - 6

Stability (line “3-6-9”) - 3

Spiritual potential (diagonal “1-5-9”) - 7

Temperament (diagonal “3-5-7”) - 3

Chinese zodiac sign Monkey

Birth hours

European zodiac sign Sagittarius

RUSSIAN FEDERATION

LAW ABOUT THE ORGANIZATION OF INSURANCE BUSINESS IN RUSSIAN FEDERATION

(as amended by Federal Laws dated December 31, 1997 No. 157-FZ, dated November 20, 1999 No. 204-FZ)

Chapter I. GENERAL PROVISIONS

Article 1. Relations regulated by this Law

Article 2. Concept of insurance

Article 3. Forms of insurance

Article 4. Insurance objects

Article 5. Policyholders

Article 6. Insurers

Article 7. Mutual insurance companies

Article 8. Insurance agents and insurance brokers

Article 9. Insurance risk, insured event, insurance payment

Article 10. Sum insured, insurance compensation, insurance coverage

Article 11. Insurance premium and insurance tariff

Article 12. Co-insurance

Article 13. Reinsurance

Article 14. Associations of insurers

Chapter II.

Chapter III. ENSURING FINANCIAL STABILITY OF INSURERS

Article 25. Conditions for ensuring the financial stability of insurers

Article 26. Insurance reserves and funds of insurers

Article 27. Guarantees of solvency of insurers

Article 28. Accounting and reporting of insurers

Article 29. Publication of annual balance sheets by insurers

Chapter IV. STATE SUPERVISION OVER INSURANCE ACTIVITIES

Article 30. State supervision of insurance activities in the Russian Federation

Article 31. Suppression of monopolistic activities and unfair competition in the insurance market

Article 32. Licensing of insurance activities

Article 33. Observance of the insurer’s trade secrets by officials of the federal executive body for supervision of insurance activities

Chapter V. FINAL PROVISIONS

Article 34. Insurance of foreign citizens, stateless persons and foreign legal entities on the territory of the Russian Federation

Article 35. Dispute consideration

Article 36. International treaties

LAW
ABOUT THE ORGANIZATION OF INSURANCE BUSINESS
IN RUSSIAN FEDERATION

(as amended by Federal Laws
dated December 31, 1997 No. 157-FZ,
dated November 20, 1999 No. 204-FZ)