I speak YEL in six languages
When you start a business or become a light entrepreneur in Finland, you are legally required to take out self-employed persons' pension insurance, or YEL. We at Varma understand that the YEL system can seem complicated. That is why our YEL interpreter explains the basics in six languages: Finnish, English, Ukrainian, Arabic, Kurdish and Turkish. We are fluent in YEL, and you can be too.
YEL
YEL is statutory insurance for self-employed people
YEL gives you security in many ways. It provides the basis for your social security and helps you to build up a pension. Watch the video and learn the basics of YEL in next to no time.
Learn more and watch the videoYEL income
We help you to calculate your YEL income, which determines your social security and pension
YEL income is the core of your YEL insurance: an estimate of the value of the work you do. Your YEL income determines your social security and the accumulation of your pension. Watch the video and try our calculator for an estimate of your YEL income.
Learn more and watch the videoSocial security and pension
Let's make sure that you have the right level of social security and pension
Once you know your YEL income, you can check how it affects your sickness allowance, parental allowance and earnings-related unemployment benefits.
Learn more and watch the videoThis is Varma
Varma provides pension insurance for work carried out in Finland. We take care of the statutory pension cover of private entrepreneurs and employees. Varma's responsibility for managing pension assets, and for our customers, employees and shared environment spans far into the future. We are building a world that is sustainable for future generations.
Find out more about VarmaTake out YEL insurance
YEL insurance is statutory pension insurance and the basis for the social security of self-employed people.
- You are legally required to have YEL insurance if you are self-employed in Finland.
- Varma's YEL insurance is quick and easy to take out online
- The newly self-employed automatically get a 22% discount on their contribution.