Take out YEL insurance

YEL insurance, i.e. pension insurance for the self-employed, forms the basis of a self-employed person’s social security. You need YEL insurance if you are self-employed. You can take out YEL insurance with Varma quickly online. You get a 22% discount on your insurance contributions if you are newly self-employed.

Take out YEL insurance easily online

Taking out YEL insurance online is quick. For the insurance application, you only need

  • 2–5 minutes
  • online banking codes or a Mobile ID.

If you already have YEL insurance with another company, we will terminate the insurance with that company on your behalf.

Take out YEL insurance

Get your insurance over the phone

You can also take out YEL insurance over the phone. Call us at 010 192 100 and we will go over your situation together. We can take care of all your YEL insurance matters for you.

You can reach our customer service from Monday to Friday between 8 am and 4 pm.

Calculate the impact of YEL income on your social security and insurance contributions using the YEL calculator.

Go to YEL calculator

What does YEL insurance cover?

YEL insurance, i.e. pension insurance for the self-employed, accrues pension 
and is the basis of the self-employed person’s social security. It covers:

  • illness, rehabilitation and disability,
  • a birth in the family,
  • unemployment and
  • retirement.

Read more about the cover you get with YEL insurance

Join our group of satisfied YEL insurance customers

More than 44,000 of tomorrow’s rising stars have chosen Varma to look after their pension security. We support you in navigating the twists and turns of your life and business, whether they concern an illness, a birth in the family, or the need for flexible payment arrangements. We will help you keep your insurance cover at the correct level.

Five reasons to choose Varma’s YEL insurance

1. 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!

2. 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 manage your YEL insurance matters on your smartphone, for example, whenever it's convenient for you. If you also have Varma's TyEL insurance, you can easily manage your TyEL insurance matters in the same service.

3. Flexible payment arrangements

Varma has its own knowledgeable collection advisors who constantly receive positive feedback from our customers. If you ever find yourself in need of flexible payment arrangements, contact us! Together we will find a solution for your situation.

4. Responsible operator

Varma is a pioneer in sustainability. You can rest assured that when we take care of you and your social security, we also take the environment, our employees, and future generations into consideration.

5. Discount for a new entrepreneur

As an entrepreneur just starting out, you automatically get an impressive discount of 22% on your YEL insurance contributions for a period of four years.

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.