Self-employed person, become our customer

More than 75,000 self-employed persons have entrusted their most important insurance matters into our hands.

Buy YEL insurance in a few easy steps

  • Log in using your personal online banking credentials. This makes your job easier because your details are automatically added to the insurance application.
  • Fill in the missing information – it will only take a few minutes.
  • We'll take care of the rest. If you are a customer of another pension insurance company, we will terminate your current insurance for you.

If you are a new entrepreneur, we help you determine the level of your YEL  income already when you apply for insurance. We give you a YEL income recommendation based on the pay level in your sector, your estimate of your company’s turnover and your work input. When you buy YEL insurance, we confirm your annual YEL income.  Please read more about the YEL income here. You can also take a look at who needs to take out YEL insurance here.

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


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