Insurance for self-employed persons (YEL)

As an entrepreneur you must arrange your pension cover according to the Self-Employed Persons' Pensions Act (YEL) and pay for the pension insurance yourself.

A self-employed person covered under the Self-Employed Persons' Pensions Act must take out insurance within six months of starting the self-employed activity.

» Apply for YEL insurance » Request for a quotation

Employees’ pension insurance (TyEL)

Employers arrange for statutory earnings-related pension insurance for their employees. Earnings-related pension provides an income during retirement and in case of disability. Other pension benefits include rehabilitation when disability threatens.

» Apply for TyEL insurance » Request for a quotation

 

Are you planning to hire an employee?

When you hire an employee you must pay for his or her statutory earnings-related pension insurance (TyEL). Etera provides easy TyEL insurance.

» Report your payroll information

Do you need insurance contract?

You need to take out TyEL insurance if you pay more than EUR 8,100 in wages and salaries over a period of six months or if you continuously employ at least one person. You can easily find out what kind of insurance you require.

» Take out TyEL insurance

 

Do you need assistance?

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    • +358 10 553 3060
    • asiakaspalvelu@etera.fi

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Etera is renewing its TyEL insurance systems. As a result, there will be some delays in processing matters concerning TyEL and YEL insurance.
We apologise for any delays in contacting you regarding these matters.

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News

 

 

Earnings-related pension contributions for 2015 confirmedhttps://www.etera.fi/en/news/Pages/pension-contributions-for-2015-confirmed.aspxEarnings-related pension contributions for 2015 confirmed19/11/2014 15:00:00
Continued stable return development for Etera’s investmentshttps://www.etera.fi/en/news/Pages/Continued-stable-return-development-for-Etera’s-investments.aspxContinued stable return development for Etera’s investments20/10/2014 14:00:00
Stable first half-year for Etera – investment returns to be reported monthly in futurehttps://www.etera.fi/en/news/Pages/Stable-first-half-year-2014-for-Etera-.aspxStable first half-year for Etera – investment returns to be reported monthly in future20/08/2014 13:00:00
Tero Kiviniemi to Chair Etera’s Board of Directorshttps://www.etera.fi/en/news/Pages/Tero-Kiviniemi-to-Chair-Etera’s-Board-of-Directors.aspxTero Kiviniemi to Chair Etera’s Board of Directors18/06/2014 11:00:00
Etera renews its organisationhttps://www.etera.fi/en/news/Pages/Etera-renews-its-organisation.aspxEtera renews its organisation05/05/2014 12:00:00
Consistent returns on Etera’s investments in early 2014https://www.etera.fi/en/news/Pages/Consistent-returns-on-Etera’s-investments-in-early-2014.aspxConsistent returns on Etera’s investments in early 201429/04/2014 13:00:00
Etera’s Financial Statements for 2013: Premiums written increased, efficiency being improved systematicallyhttps://www.etera.fi/en/news/Pages/Etera’s-Financial-Statements-for-2013.aspxEtera’s Financial Statements for 2013: Premiums written increased, efficiency being improved systematically19/03/2014 14:00:00
Stefan Björkman takes on position of Deputy Managing Director at Eterahttps://www.etera.fi/en/news/Pages/Stefan-Bjorkman-takes-on-position-of-Deputy-Managing-Director-at-Etera.aspxStefan Björkman takes on position of Deputy Managing Director at Etera03/02/2014 10:00:00
Preliminary information on Etera’s financial statements for 2013: Premiums written increased from the previous year, investment returns were downhttps://www.etera.fi/en/news/Pages/Preliminary-information-on-Eteras-financial-statements-for-2013.aspxPreliminary information on Etera’s financial statements for 2013: Premiums written increased from the previous year, investment returns were down31/01/2014 09:00:00
Etera appoints Stefan Björkman as new Managing Directorhttps://www.etera.fi/en/news/Pages/Etera-appoints-Stefan-Björkman-as-new-Managing-Director.aspxEtera appoints Stefan Björkman as new Managing Director09/01/2014 12:00:00
Etera named Best In-House Investment Team in Europehttps://www.etera.fi/en/news/Pages/Etera-named-Best-In-House-Investment-Team-in-Europe.aspxEtera named Best In-House Investment Team in Europe03/12/2013 10:00:00
Peab Oy receives Etera’s well-being at work awardhttps://www.etera.fi/en/news/Pages/Peab-Oy-receives-Etera’s-well-being-at-work-award-.aspxPeab Oy receives Etera’s well-being at work award14/11/2013 14:00:00
Etera’s investments in January–September: A challenging first half of the yearhttps://www.etera.fi/en/news/Pages/Etera’s-investments-in-January–September-A-challenging-first-half-of-the-year.aspxEtera’s investments in January–September: A challenging first half of the year29/10/2013 14:00:00
Etera’s Managing Director Hannu Tarkkonen to retire next summerhttps://www.etera.fi/en/news/Pages/Eteras-Managing-Director-Hannu-Tarkkonen-to-retire-next-summer-.aspxEtera’s Managing Director Hannu Tarkkonen to retire next summer26/09/2013 14:00:00
First half of 2013 for Etera: Growth in premium income despite worsening economic cyclehttps://www.etera.fi/en/news/Pages/First-half-of-2013-for-Growth-in-premium-income.aspxFirst half of 2013 for Etera: Growth in premium income despite worsening economic cycle04/09/2013 12:00:00
Etera’s investments yielded a return of 1.2 per cent in January–Marchhttps://www.etera.fi/en/news/Pages/Etera’s-investments-yielded-a-return-of-1-2-per-cent-in-January–March.aspxEtera’s investments yielded a return of 1.2 per cent in January–March23/04/2013 12:00:00
Etera’s Financial Statements for 2012: Return on investments 9.9 per cent, increase in premium incomehttps://www.etera.fi/en/news/Pages/Etera’s-Financial-Statements-for-2012.aspxEtera’s Financial Statements for 2012: Return on investments 9.9 per cent, increase in premium income13/03/2013 07:00:00
Preliminary information on Etera’s financial year 2012: 9.9 per cent return on investmentshttps://www.etera.fi/en/news/Pages/Preliminary-information-on-Etera’s-financial-year-2012.aspxPreliminary information on Etera’s financial year 2012: 9.9 per cent return on investments07/02/2013 07:00:00
Etera named Best Pension Fund in Finlandhttps://www.etera.fi/en/news/Pages/Etera-named-Best-Pension-Fund-in-Finland.aspxEtera named Best Pension Fund in Finland20/12/2012 07:00:00
Earnings-related Pension Contributions in 2013https://www.etera.fi/en/news/Pages/Earnings-related-Pension-Contributions-in-2013.aspxEarnings-related Pension Contributions in 201315/11/2012 12:00:00
Etera’s return on investments reached 8.6 per centhttps://www.etera.fi/en/news/Pages/Etera’s-return-on-investments-reached-8-6-per-cent.aspxEtera’s return on investments reached 8.6 per cent25/10/2012 11:00:00
The secret to successful investmentshttps://www.etera.fi/en/news/Pages/The-secret-to-successful-investments.aspxThe secret to successful investments31/08/2012 11:00:00
Etera Mutual Pension Insurance Company in January–June 2012: Etera’s investments yielded a return of 5.9 per centhttps://www.etera.fi/en/news/Pages/Etera-Mutual-Pension-Insurance-Company-in-January–June-2012.aspxEtera Mutual Pension Insurance Company in January–June 2012: Etera’s investments yielded a return of 5.9 per cent21/08/2012 12:00:00
Etera’s investments yielded a return of 4.4% in Q1https://www.etera.fi/en/news/Pages/Etera’s-investments-yielded-a-return-of-4-4-in-Q1.aspxEtera’s investments yielded a return of 4.4% in Q103/05/2012 12:00:00
Quarter-to-quarter approach ill-suited to pension investmentshttps://www.etera.fi/en/news/Pages/Quarter-to-quarter-approach-ill-suited-to-pension-investments-.aspxQuarter-to-quarter approach ill-suited to pension investments26/04/2012 12:00:00
Etera's financial statements for 2011: Successful year considering conditionshttps://www.etera.fi/en/news/Pages/Etera's-financial-statements-for-2011-Successful-year-considering-conditions.aspxEtera's financial statements for 2011: Successful year considering conditions14/03/2012 13:00:00
Ernst & Young completes prominent business cluster in the Töölönlahti area: Verstas Architects win international architecture competitionhttps://www.etera.fi/en/news/Pages/Ernst--Young-completes-prominent-business-cluster-in-the-Töölönlahti-area-Verstas-Architects-win-international-architecture.aspxErnst & Young completes prominent business cluster in the Töölönlahti area: Verstas Architects win international architecture competition13/12/2011 13:00:00
Davidsson Tarkela Architects winner of the architectural competition for KPMG’s office building to be constructed in Töölönlahtihttps://www.etera.fi/en/news/Pages/Davidsson-Tarkela-KPMG’s-131211.aspxDavidsson Tarkela Architects winner of the architectural competition for KPMG’s office building to be constructed in Töölönlahti30/11/2011 13:00:00
Cornerstone of Alma Media's new office building laid on Mondayhttps://www.etera.fi/en/news/Pages/Cornerstone-of-Alma-Media's-new-office-building-laid-on-Monday.aspxCornerstone of Alma Media's new office building laid on Monday05/09/2011 13:00:00
Etera Mutual Pension Insurance Company in January–June 2011: Premium income up 11 per centhttps://www.etera.fi/en/news/Pages/Etera-Mutual-Pension-Insurance-Company-in-January–June-2011-Premium-income-up-11-per-cent.aspxEtera Mutual Pension Insurance Company in January–June 2011: Premium income up 11 per cent18/08/2011 13:00:00
Etera’s investments from January to March 2011: Successful risk management leads to positive resulthttps://www.etera.fi/en/news/Pages/Etera’s-investments-from-January-to-March-2011-Successful-risk-management-leads-to-positive-result-.aspxEtera’s investments from January to March 2011: Successful risk management leads to positive result26/04/2011 13:00:00
Etera’s financial statements for 2010: 6 per cent growth in premium incomehttps://www.etera.fi/en/news/Pages/Etera’s-financial-statements-for-2010.aspxEtera’s financial statements for 2010: 6 per cent growth in premium income14/03/2011 14:00:00
Preliminary information on Etera’s financial statements for 2010: Etera’s premiums written increased, return on investments at a good levelhttps://www.etera.fi/en/news/Pages/Preliminary-information-on-Etera’s-financial-statements-for-2010.aspxPreliminary information on Etera’s financial statements for 2010: Etera’s premiums written increased, return on investments at a good level26/01/2011 14:00:00