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Bonuses when transferring an insurance policy

When you transfer your TyEL insurance policy to Varma, we will pay the first client bonus in spring following the year of the transfer. The bonuses are based on the insurance contributions that were paid during the preceding year and on the amount that is in the fund. That is why they are paid by the company to which the insurance contributions were paid during the preceding year.

Transfer of TyEL insurance at the start of the year

If you transfer your TyEL insurance to Varma, e.g. on 1 January 2020, we will pay the first client bonus in spring of 2021. In 2020, your previous pension insurance company will pay the client bonus, which is based on the insurance contributions from 2019.

In addition, your previous pension insurance company will pay you client bonuses based on a transferred policy for three years after the transfer. The condition for receiving the bonus based on a transferred policy is that at least EUR 50,000 in insurance contributions has accumulated in the fund by the end of the year preceding the year when the policy was transferred.

TyEL insurance transferred mid-year

If you are transferring your TyEL insurance to Varma mid-year, you will receive a client bonus for the year of the transfer from both Varma and your previous insurance company. In addition, the previous company will pay you bonuses for two years after the insurance was transferred. Your previous pension company will pay client bonuses and bonuses based on a transferred policy only if at least EUR 50,000 in insurance contributions has accumulated in the fund by the end of the year preceding the year when the policy was transferred.

Go back to the ‘Client bonuses’ page

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