Entrepreneur

YEL insurance means caring

Newly self-employed

Pension insurance for the self-employed is the most important insurance for entrepreneurs. Find out whether you need to take out YEL insurance and how to determine your earnings.

Information on YEL insurance

Certificates and contributions

Print out an insurance certificate and see how your insurance contributions are determined.

More information about certificates and contributions

22% discount on YEL insurance for newly self-employed

Choose Varma and make the most of your discount.

Call us at +358 10 192 102

See what pension insurance you need

Based on the information you have provided you do not seem to require statutory pension insurance. Contact us to make sure. Telephone: +358 010 192 102 Based on the information you have provided you require TyEL insurance for your employees. Based on the information you have provided you require TyEL insurance for yourself and your employees. One TYEL application is enough. Based on the information you have provided you require YEL insurance as an entrepreneur and TyEL insurance for your employees. Based on the information you have provided you require TyEL insurance as an entrepreneur. Based on the information you have provided you require YEL insurance as an entrepreneur.

Do you need information about insurance for owners and family members?

Call us 010 192 102

Entrepreneur’s Calculator 2019

Calculate how your income affects your social security and estimate your insurance contribution.

YEL insurance

YEL concerns people aged 18–67.
The earliest age you can retire at is @RetirementYear years and @RetirementMonth months. Highest retirement age: @RetirementYear years. With this calculator you can count up to 70 years of age.
0 € / weekday
0 € / weekday
Unemployment allowance
0 € / working day
0 € / working day
0 € / month

0 € / year
0 € / month

TyEL insurance

€ / year

0 € / month
Take out an insurance Change your earned income
Leave us your contact request
Thank you for contacting us! We will be in touch soon.
Previous

The insurance cover has been calculated using the following assumptions

The YEL earnings have been in force for two years. The unemployment cover has been calculated under the assumption that the person does not have dependent children. An estimated effect of the life expectancy coefficient is included. The person lives in Finland. The calculated insurance cover applies to this insurance only and should be considered approximations. The purchasing power of the pension estimate corresponds to present-day values.

Note

Entrepreneurs are entitled to a daily sickness allowance when unable to work due to illness provided that they have worked as an employee or entrepreneur for at least three months prior to the disability. If the work requirement is not fulfilled, the entrepreneur is entitled to sickness allowance only after 10 consecutive days of disability. Entrepreneurs are entitled to unemployment allowance when becoming unemployed after ending their entrepreneurial activities. Receiving earnings-related unemployment allowance requires membership in an unemployment fund. The YEL insurance contribution can be paid by the entrepreneur or by the company. The contribution is deductible for both. YEL provides security also in the event of disability or the death of a family provider. YEL pension is the amount of old-age pension according to the earned income you entered.

(function (w, d, s, l, i) { w[l] = w[l] || []; w[l].push({ 'gtm.start': new Date().getTime(), event: 'gtm.js' }); var f = d.getElementsByTagName(s)[0], j = d.createElement(s), dl = l != 'dataLayer' ? '&l=' + l : ''; j.async = true; j.src = '//www.googletagmanager.com/gtm.js?id=' + i + dl; f.parentNode.insertBefore(j, f); })(window, document, 'script', 'dataLayer', 'GTM-MJL5CR'); (function(w, t, f) { var s='script',o='_giosg',h='https://service.giosg.com',e,n;e=t.createElement(s);e.async=1;e.src=h+'/live/'; w[o]=w[o]||function() {(w[o]._e=w[o]._e||[]).push(arguments)} ;w[o]._c=f;w[o]._h=h;n=t.getElementsByTagName(s)[0];n.parentNode.insertBefore(e,n); })(window,document,3860); (function(h,o,t,j,a,r){ h.hj=h.hj||function(){(h.hj.q=h.hj.q||[]).push(arguments)}; h._hjSettings={hjid:928553,hjsv:6}; a=o.getElementsByTagName('head')[0]; r=o.createElement('script');r.async=1; r.src=t+h._hjSettings.hjid+j+h._hjSettings.hjsv; a.appendChild(r); })(window,document,'https://static.hotjar.com/c/hotjar-','.js?sv='); var _paq = _paq || []; /* tracker methods like "setCustomDimension" should be called before "trackPageView" */ _paq.push(["setCookieDomain", "*.varma.fi"]); _paq.push(["setDomains", ["*.varma.fi"]]); _paq.push(['trackPageView']); _paq.push(['enableLinkTracking']); (function() { var u="//piwik.varma.fi/piwik/"; _paq.push(['setTrackerUrl', u+'piwik.php']); _paq.push(['setSiteId', '1']); var d=document, g=d.createElement('script'), s=d.getElementsByTagName('script')[0]; g.type='text/javascript'; g.async=true; g.defer=true; g.src=u+'piwik.js'; s.parentNode.insertBefore(g,s); })();