Get TyEL insurance
TyEL insurance is an employee's pension cover. In addition to a competitive price, we offer excellent customer benefits. Let's work together to ensure a good tomorrow for your employees.
Insure your employee, when
- they are in an employment relationship,
- they are at least 17 years old and
- you pay them at least EUR 71,72 per month in 2026
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As of the beginning of 2026, up to 90% reduction in TyEL insurance's adminstrative costs for micro-employers.
You get more from us than just insurance
1. Excellent work ability services for companies of all sizes
We provide you with excellent tools and courses for developing pre-service work and managing work ability. Our customers find our services very impressive - in 2024 the estimate of benefits was 4.5 (on a scale of 1 to 5).
2. Warm and knowledgeable customer service
Whether it is insurance, retirement or work ability, our knowledgeable experts will help you with your questions.
3. Competitive price and excellent client bonuses
We are a cost-effective pension company, which leads to lower treatment costs and therefore lower TyEL fees. In 2024, we paid EUR 140 million (0.50% of the payroll) in client bonuses.
4. Personal counseling
You can make an appointment with our expert for personal advice at any time, for example on themes related to early support or vocational rehabilitation.
Did you know that there are differences in the prices of TyEL insurance?
Yes, the sector’s best solvency and good cost-effectiveness bring cheaper TyEL contributions for our customers. We refund one per cent of the solvency capital to our customers as client bonuses. This means lower pension contributions for employers.
Take a look at our client bonuses
How much does TyEL insurance cost?
Use our calculator to see how much TyEL insurance costs you. You can also find out how much deferring a due date will impact the contribution.
Try the calculator
Responsible for your employees’ pensions
Everything we do is aimed at providing our customers with the pension they earned from employment. For us, responsibility means that we do our part in maintaining and developing a sustainable pension system. This also means having to earn our customers’ trust every day by acting responsibly.
Read more about what responsibility means to us