Become an Elo customer today!

Note!

YEL- and TyEL applications will be inoperative starting on Saturday, January 3, 2026, at 9:00 AM and ending on Monday, January 5, 2026, at 7:00 AM. We apologize for any inconvenience this may cause.

But don´t worry. If you need insurance you can always leave us a contact request >

Get insurance online in minutes

Our online application makes taking YEL insurance easy and fast. We will contact you if we need any further information for the insurance!

Take or transfer YEL insurance to Elo

Get insurance by phone

If you would like to discuss your matter by phone or you are unsure as to whether you need to have YEL insurance, contact us. You can reach our sales service at +358 (0)20 703 5515 weekdays from 8 a.m.–3 p.m.
You can also leave us a request to call you at a time that suits you and we’ll be in touch.

Leave a contact request

Why should I take YEL insurance from Elo?

	You are important to us. We focus on providing you with personal service in a manner that suits your needs.
	We provide swift service. Through our online service, you can take care of things conveniently at a time that suits you. In our telephone service, we resolve 93% of all insurance-related matters in a single call.

Elo’s services for entrepreneurs

As a YEL customer, you get a lot more than an invoice. The services available to you include:

Simplified management of insurance matters

It takes only an average of 30 seconds to reach our experts by phone at +358 (0)20 694 730. We provide assistance in assessing your YEL income and handling other YEL insurance matters.

Convenient online services

Elo’s Online Service provides you with practically all you need to manage your YEL insurance matters. You can manage your insurance matters easily and quickly whenever it’s convenient for you.

Get to know Elo's Online Service

Reduced contribution for new entrepreneurs

When you undertake entrepreneurial activities for the first time, we support you with a 22% discount on your insurance contributions for the first 48 months; that’s four whole years!

Rehabilitation options for entrepreneurs

Elo provides advice on rehabilitation as a means of maintaining your work ability. Vocational rehabilitation can offer ways to help entrepreneurs to continue working or to find a new career path despite health challenges.

Read more about vocational rehabilitation

Fast and practical pension services

Our handling of pension matters is faster than the industry average. We provide advice on matters concerning retirement and ensure that you get the pension you’ve earned.

Read more about retirement based on age

We keep your finger on the pulse

We make sure that you have the information you need regarding employment pension insurance and that you are up to date on the latest news through, for example, our active customer communications.

YEL application forms

YEL insurance application