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. At different stages of self-employment, you need a partner that has your back. As your earnings-related pension insurer, we're sure to be by your side.
Information for the self-employed
TyEL or YEL? Join our webinar on pension insurance in Finland
Our webinar, Information about pension insurance in Finland, will give you valuable insight into the Employees Pensions Act (TyEL) and the Self-Employed Persons’ Pensions Act (YEL). If you are unsure which pension law applies to your situation, we will walk you through the next steps. As a self-employed person, you will also hear when you need to take out YEL insurance and how to determine your YEL income. Join us on 3 March at 17:00!
Three great reasons to choose Varma
Easy-to-use online service
As Varma's YEL insurance customer, you will have access to the clear and easy-to-use Varma Online Service, which is always open. You can conveniently manage your YEL insurance matters in Varma Online Service when it suits you best.
Professional service
With Varma's YEL insurance, you will receive personalised service tailored to your situation at all stages of entrepreneurship. Our YEL insurance experts are there to support you through the twists and turns of your life and business. Whether it's an illness or hiring your first employee, don't hesitate to contact us about your pension insurance needs!
Flexible payment arrangements
If you ever find yourself in need of flexible payment arrangements we will find a solution for your situation together. Varma has its own knowledgeable collection advisors, so please don't hesitate to contact us!
Help with using our services
Take care of your YEL matters online
In our online service, you can, for instance
- apply for a change in your YEL income
- view your past and future YEL contribution
- request an extended term of payment for an invoice
Sign in to the service using your personal banking codes.