Welcome to Nordea and Varma's jointly created earnings-related pension insurance application!

Pension insurance in just a few clicks!

Take out new YEL or TyEL insurance or transfer your insurance to Varma.

When do you need YEL insurance?
YEL insurance is statutory pension insurance for the self-employed. You need YEL insurance if you work as an entrepreneur or a light entrepreneur for at least four months. YEL insurance begins on the day when you begin working.

When do you need TyEL insurance?
TyEL insurance is statutory pension insurance that an employer takes out for their employees. You need TyEL insurance if you pay wages to your employees.