Welcome to be Elo's customer

When your insurance matters are handled this easily, it allows you to focus on your core business.

Take YEL insurance

Who should take YEL?

As a self-employed person, you need to insure yourself with a YEL insurance policy in accordance with the Self-employed Persons’ Pensions Act. The insurance is intended for self-employed individuals whose income (in terms of reflecting the value of their work input) is estimated to be at least 9 208,43 € per year in 2025 (9,010.28 € per year in 2024).

Security during working life

The social security of a self-employed person is based on the confirmed income amount stated in the YEL insurance policy. In addition to employment pension, it provides security in many life situations, such as when an illness strikes, if your family increases or if you find yourself unemployed.

YEL calculation

Elo’s versatile YEL calculation service enables you to see how the amount of the reported YEL income will impact on the amount of your future pension and insurance contributions. You can also see how your YEL income would affect different social benefits, such as the sickness allowance.

Go to the YEL calculator

What should I do in the following situations?

I intend to take a family leave

I have become ill

Tips on taking a parental leave as a self-employed person

I need an authorisation for an accounting firm

The form of the company or business has changed

My entrepreneurial activities have ended

I would like to receive my invoices electronically