When in need of a pension insurance
We take care of the pension security of more than a million people – join us.
Get a 22% discount on YEL contributions
As a new entrepreneur, you will receive a 22% discount on your YEL contribution if your YEL insurance has been valid for less than 4 years. We will automatically check the discount..
Self-employed person
Let us take care of your most important insurance. We want to make pension insuring easy for you.
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Employer
We take care of your employees' pension security and help you to promote their work ability.
Our services for employersPrivate customer
Earnings-related pension gives security in different life situations. Manage your pension and rehabilitation matters safely online.
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Current topics
Working life is changing, and our work ability services are evolving with it – this is how we manage careers together with your company
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Entrepreneur, YEL income reviews continue
As of 2023, pension companies are obligated to regularly review that entrepreneurs’ YEL income meets the recommendations and corresponds with the work input.
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Remember to review your pension coverage regularly
Your pension record allows you to keep track of your pension accrual.
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Submit your study certificate and tax card
Please provide us with your study certificate each August and your tax card at the turn of the year in order for us to process your allowance. More information available behind the link.
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Pension insurance contributions in 2026
Read the summary of TyEL and YEL contributions in 2026.
News and articles
EPSI Rating: Ilmarinen has the most satisfied customers in the sector
According to the latest EPSI Rating survey, Ilmarinen has the most satisfied customers in the earnings-related pension sector. We ranked first among both employers and self-employed persons.
Employer, self-employed person or pensioner: 2027 earnings-related pension index and wage coefficient confirmed
The Ministry of Social Affairs and Health has confirmed the pension indices for 2027. The earnings-related pension index will be 3,184, which means pensions will increase by approximately 2.6% at the turn of the year. The wage coefficient has been confirmed at 1.773, an increase of approximately 3.6% from 2026.
Ilmarinen’s return on investments was 6.2 per cent or EUR 4.2 billion
Employment pension insurance company Ilmarinen’s investments yielded 6.2 per cent in January–September. The market value of investments grew to a record-breaking level of EUR 71 billion.