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Insure yourself

Pension insurance for the self-employed (YEL) secures your life and that of your family. YEL insurance assists you if you lose your work capacity, fall ill or take parental leave. Each YEL contribution increases your pension and improves your other social security. The contributions are deducted in your personal or company taxation.

Why Ilmarinen?

At Ilmarinen your pension money is guaranteed to be safe. In the long term and in recent years, Ilmarinen has been the best investor of pension assets. In addition to pension cover, Ilmarinen arranges practical coaching events across Finland for our corporate customers – free of charge.

Discount for new entrepreneurs –22%

Take out the insurance within six months of when your operations have become established or when you transfer to full-time self-employment.

€/year

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€/month

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Contributions

YEL insurance contribution

€/month

YEL insurance contribution for new entrepreneurs*

€/month

* Discount 22 % for the first 4 years.

The sums are estimates calculated for the current year. The pension estimate is based on valid legislation and it takes into account the impact of the life expectancy coefficient. The pension estimate includes the accrued earnings-related pension if you have entered the information in the calculator.

Allowances

Daily sickness allowance

€/month

Basic daily allowance

€/month

Income must be at least

Parental allowance

€/month

earnings-related daily allowance

€/month

Income must be at least

Estimate of old-age pension

€/month

Lowest pension age years months

€/month

Target pension age years months

Display instalment options

Number of instalments

Month for first instalment

    Instalments

    Due date YEL contribution New entrepreneur -22 %

    The number of instalments and due months affects the YEL contribution. The most economical way is to pay in one instalment in January.

    Become our customer

    BECOME OUR CUSTOMER

    Take out pension insurance and transfer your current insurance to Ilmarinen by filling in this form.

    By sending this form you accept that we handle the provided information according to our data protection policy. Please get acquainted with our data protection policy here.

    Leave a contact request if you wish to talk about taking out insurance or require more information on Ilmarinen’s insurance policies.

    Company information

    By sending this form you accept that we handle the provided information according to our data protection policy. Please get acquainted with our data protection policy here.

    INFORMATION ON PENSION INSURANCE FOR THE SELF-EMPLOYED

    Is this your first time as a self-employed person?

    Are you thinking about establishing a company? See our tips and instructions concerning pension matters.