Make sure the company is licensed.
This is the most critical factor. Check the license availability on the website of Bank of Russia or at the company office.
Study the company's reputation.
Read customer reviews, compare reliability ratings. Check the company's operating period on the market.
Compare different companies’ offers.
Don't settle for the first company you come across. Study the offers of several insurers; compare their insurance programs, prices and conditions.
Read the terms of the agreement.
Please note any exclusion from insurance coverage. Make sure you understand all clauses of the contract.
Consult an expert.
If you have questions, do not hesitate to ask your insurance agent or financial advisor for assistance. They can help you choose an insurance plan that suits your needs and budget.
Source: https://bcs-express.ru/novosti-i-analitika/kak-vybrat-kompaniiu-dlia-strakhovaniia-zhizni-5-sovetov
Photos are from open sources.