Get or transfer YEL insurance
YEL insurance is more than a pension - it is your security at different stages of your life. Get YEL insurance easily and quickly online.
You need YEL insurance when
- You are self-employed person aged 18-68
- You work as a self-employed person for at least 4 months in a row
- Your YEL income is at least 9208,43 EUR in 2025 (9423,09 EUR in 2026)
- You work in your own company or are a freelancer
- You live in Finland
22 % discount for a starting entrepreneur
As a new entrepreneur, you're entitled to a 22% discount! You'll get the discount automatically when you take out an insurance online.
Why choose Ilmarinen?
1. You handle your business easily
From the online service, you can see, for example, the amount of your work income and how much pension you have accumulated.
2. Your pension is safe
We take care of your payments so that you can enjoy the pension you earn when the time comes.
3. Your ability to work is cared for
If your health deteriorates and hinders your work, we will help you so that you can continue your work as an entrepreneur.
4. Get an expert team at your disposal
Whether it's insurance or retirement our team will be happy to help you.
Get insured now or find out more
What is your YEL income?
Your YEL income should, at minimum, correspond to a salary that would be paid in your sector to a person who has the same professional skills as you during one year. Your company’s estimated turnover is also taken into account when determining your YEL income.
Read more about the YEL income
How much does YEL insurance cost?
The YEL calculator shows how your YEL income affects the price of your insurance. You can also compare how the number of instalments and the payment months impact your payment. You'll also get an estimate of your pension and different allowances paid by Kela.
Try the YEL calculator
Your most important insurance
YEL is the most important of your insurances, as it offers you basic security during your career, as well as your pension. It impacts, for example, how large a sickness allowance or parental allowance you receive from Kela and what your unemployment security level is.
Read about what YEL insurance offers
I want to authorize another person to handle my insurance matters
With a power of attorney, you can authorize another person to handle your YEL insurance matters in our customer service.
Fill in and sign the power of attorney (pdf) and send it to us using the secure message. More specific instructions on how to send us the power of attorney can be found on the document itself.