A partner that's sure to be by your side
Varma provides pension insurance for Finnish work and is a pioneer in work ability management. We are also a responsible and solvent investor. For changes in working life, choose a partner that is there when you need it. As your earnings-related pension insurer, we're sure to be by your side.
TyEL insurance
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Employer’s pension insurance (TyEL)
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TyEL contributions and payments
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Client bonuses
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Large employer's TyEL contribution and contribution category
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TyEL calculator
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Reporting wages
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Insuring work abroad
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Transfer of TyEL insurance
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Contract employer or temporary employer?
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TyEL insurance terms and conditions
Information for the employer
Varma’s 2025 result: return on investments 7.5 per cent – very strong return on Finnish equities
Varma’s investments yielded EUR 4.8 billion in 2025. Despite the shadow of US import tariffs over the global economy, the equity markets trended upwards. Finnish equities emerged as the highest-yielding asset class in Varma’s portfolio, propelled by Nasdaq Helsinki’s historically strong year.
Three great reasons to choose Varma
Affordable TyEL insurance
Varma offers you affordable TyEL insurance as we are the most solvent earnings-related pension insurance company. This is why we are able to offer excellent discounts on TyEL contributions.
Easy-to-use online service
As Varma's customer, you will have access to the user-friendly Varma Online Service, which is always open. In one service, you can easily take care of matters related to TyEL insurance and payments as well as work ability management. You can manage your TyEL insurance matters on your smartphone, for example, when it suits you best. If you also have Varma's YEL insurance, you can take care of your YEL insurance matters in the same service.
Friendly and professional service
Our experts, awarded by our customers, will support you through the changing and unexpected twists and turns of your business. Our friendly customer service can be easily reached by phone, via chat, and in Varma Online Service.
Help with using our services
Take care of your TyEL matters online
In our online service, you can, for instance
- view your TyEL insurance invoices and invoice specifications
- view earnings by employee
- send us messages and attachments through a secure connection
- calculate estimates of TyEL contributions