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Transfer your TyEL insurance to Varma. Your insurance can be transferred quickly and easily online. We give excellent client bonuses that lower your TyEL contributions. Varma’s TyEL insurance is an affordable and reliable choice. We are the partner for tomorrow’s rising stars.
Switching pension insurance companies and transferring TyEL insurance to Varma is simple! Just fill in the transfer application form and we will take care of the rest. You can fill in the form quickly and easily online.
You can also call our customer service and fill in the application over the phone 010 192 100.
Switching TyEL insurance from one pension insurance company to another is possible if the policy has been active in the current pension company for at least one year (12 months). The insurance can be transferred four times a year. The transfer dates are: 1 January, 1 April, 1 July and 1 October.
A current TyEL insurance policy must be terminated with the current pension company at least 3 months before the transfer date. The termination happens by applying for TyEL insurance with Varma. You can apply to transfer your insurance to us at any time.
For example, if you have taken out TyEL insurance with another pension company starting on 1 January 2023, you can become a TyEL customer of Varma at the earliest on 1 January 2024. To transfer your insurance to Varma, fill in an application electronically or by phone by 30 September 2023 at the latest.
We will take care of the rest. We will handle the termination of your insurance with your current pension company, and we will inform you when your TyEL insurance takes effect at Varma. Remember that transferring pension insurance is not bound to banking or non-life insurance partners.
When you transfer a TyEL insurance policy to Varma, we will pay the first client bonus in spring of the following year. The bonuses are based on the insurance contributions that were paid during the preceding year and on the amount that is in the fund. That is why they are paid by the company to which the insurance contributions were paid during the preceding year.
In 2024, we distributed EUR 141.5 million in client bonuses to our customers. We are well-positioned to pay excellent client bonuses also going forward, because we are the most solvent pension company in Finland.
If you transferred your TyEL insurance to Varma, e.g., on 1 January 2024, we will pay the first client bonus in spring 2025. In 2024, your previous pension insurance company pays the client bonus which is based on the insurance contributions from 2023.
In addition, your previous pension insurance company will pay you client bonuses based on a transferred policy for three years after the transfer. The condition for receiving the bonus based on a transferred policy is that at least EUR 50,000 in insurance contributions has accumulated in the fund by the end of the year preceding the year when the policy was transferred.
If you are transferring your TyEL insurance to Varma mid-year, you will receive a client bonus for the year of the transfer from both Varma and your previous insurance company. In addition, the previous company will pay you bonuses for two years after the insurance was transferred. Your previous pension company will pay client bonuses and bonuses based on a transferred policy only if at least EUR 50,000 in insurance contributions has accumulated in the fund by the end of the year preceding the year when the policy was transferred.
Varma offers you affordable TyEL insurance as we are the most solvent earnings-related pension insurance company. This is why we are able to offer excellent discounts on TyEL contributions.
As Varma's customer, you will have access to the user-friendly Varma Online Service, which is always open. In one service, you can easily take care of matters related to TyEL insurance and payments as well as work ability management. You can manage your TyEL insurance matters on your smartphone, for example, when it suits you best. If you also have Varma's YEL insurance, you can take care of your YEL insurance matters in the same service.
Our experts, awarded by our customers, will support you through the changing and unexpected twists and turns of your business. Our friendly customer service can be easily reached by phone, via chat, and in Varma Online Service.
If you ever find yourself in need of flexible payment arrangements we will find a solution for your situation together. Varma has its own knowledgeable collection advisors, so please don't hesitate to contact us!
In Varma, your earnings-related pension contributions are under excellent management as our investment activities are profitable and secure. Varma is a pioneer in sustainability. You can rest assured that while we look after your and your employees' pension cover, we also take the environment, our employees, and future generations into consideration.
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We will use the feedback we receive to develop our services. Please note, however, that we do not respond to messages sent using this form. If you have a matter related to your customer account, you can take care of it in the Varma Online Service or by contacting our customer service 010 192 100.
