Get a 22% discount on YEL contributions
When you become self-employed for the first time, you will get a 22% reduction on your YEL contributions. You will get the discount during the first 48 months – or four years – of your self-employment.
How can we help you?
Why choose Ilmarinen?
1. Easy insurance
The extensive online service for self-employed persons is available 24/7 – you can take care of your insurance matters easily whenever it suits you.
2. Professional service
Our professionals are happy to help you with any questions related to insurance and pensions.
3. Responsible pension security
Our operations are responsible and we invest the pension contributions you pay profitably and securely.
4. Solvent partner
Your pension is secure with solvent pension insurance company.
5. Vocational rehabilitation secures your self-employment
If your state of health weakens and affects your work, we can help you to continue as an entrepreneur.
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.