Renaissance Insurance Group PJSC operates as an independent insurance company. It divided into three main segments The Non-Life segment, which includes motor Retail MOD, Retail CMTPL, Motor Fleets VMI and other Non-Life products, The Life segment, which includes three main product lines: investment, endowment and credit life and risk life products and The Asset Management segment, which is represented by Sputnik Asset Management, which manages a substantial part of the Group’s investments comprised of insurance reserves and equity capital of the Group’s insurance companies. The company was founded in 1993 and is headquartered in Moscow, Russian Federation.