When in need of a pension insurance
We take care of the pension security of more than a million people – join us.
Get a 22% discount on YEL contributions
When you become self-employed for the first time, you will get a 22% reduction on your YEL contributions. You will get the discount during the first 48 months – or four years – of your self-employment.
Self-employed person
Let us take care of your most important insurance. We want to make pension insuring easy for you.
Buy YEL insuranceEmployer
We take care of your employees' pension security and help you to promote their work ability.
Buy TyEL insurancePrivate customer
Earnings-related pension gives security in different life situations. Manage your pension and rehabilitation matters safely online.
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Current topics
Working life is changing, and our work ability services are evolving with it – this is how we manage careers together with your company
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Remember to review your pension coverage regularly
This spring, some of our customers will receive reminders from us.
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Submit your study certificate and tax card
Please provide us with your study certificate each August and your tax card at the turn of the year in order for us to process your allowance. More information available behind the link.
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Entrepreneur, authorize someone to act on your behalf
Authorize another person or company to handle your YEL matters in our online service or by phone using Suomi.fi authorizations.
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Our administrative cost will decrease in 2025
The administrative cost is part of the TyEL insurance contribution, and in that respect, your TyEL contribution as our customer will decrease.
News and articles
Ilmarinen’s cost-effectiveness continues to guarantee our customers affordable TyEL contributions
In 2026, the administrative costs of Ilmarinen’s customers will be no more than 0.18 per cent of the payroll. We have made our operations more efficient every year, which means that Ilmarinen’s customers can continue enjoying affordable TyEL contributions when it comes to the administrative cost. The administrative cost is part of the TyEL insurance contribution.
Return on Ilmarinen’s investments was 2.1 per cent – solvency was strong and cost-effectiveness at a good level
The return on Ilmarinen’s investments was 2.1 per cent in January–June, or EUR 1.3 billion. Investment assets increased to EUR 64.0 billion and solvency capital to EUR 14.0 billion. This cost-effectiveness translates into lower premiums for clients.
Ilmarinen and MYRY start cooperation – aim is to better support and secure micro and solo entrepreneurs
The cooperation strengthens the position of both parties and brings concrete benefits to micro and solo entrepreneurs all over Finland.