If you want to manage the insurance services of a spouse or adult child
JIn order to manage the insurance policies and claims of your spouse or adult child, you must have a power of attorney granted by the person in question. A power of attorney authorises the holder to handle insurance and claims for the principal, with the exception of the right to name beneficiaries, fill out a health declaration or authorise a third person.
With a power of attorney, you can manage insurance services over the phone, in our digital services and at a bank branch and see the person’s policies in your own digital services. Keep in mind that managing another person’s insurance services always requires that you identify yourself, including over the phone or at a bank branch.
Powers of attorney can be granted at op.fi:
1. Log in using the user identifiers of any bank.
2. In the Insurance section, select “Powers of Attorney”.
If you do not have access to our digital services, you can grant an individual power of attorney for the management of insurance and claims also as a printed version. You can deliver the filled and signed printed power of attorney to our nearest branch or by mail to the address below. You can find the template for the power of attorney here.
Pohjola Insurance Ltd
Code 5010454
00003 VASTAUSLÄHETYS
If you want to manage the insurance services of the death estate of a next of kin
When a policyholder has deceased or insurance has been taken out in the name of the estate, you are entitled to information about the insurance policies by providing an extract from the population register or estate inventory indicating that you are a distributee of the death estate.
However, in order to manage or change estate’s insurance affairs, you need both the extract from the population register or estate inventory as well as a power of attorney signed by all distributees of the estate to authorise the distributee(s) to manage the estate’s insurance policies. If the decedent has made a will, send a copy of it to the insurance company. You will need authorisation for this by the beneficiary of the will. You can submit the necessary documents to a bank branch or by messaging us on OP's digital services. When delivering to a bank branch, you must also present proof of identity.
You can print out the template for a death estate’s power of attorney here.
If an estate administrator or executor has been appointed for the death estate, only they can make changes to the death estate’s insurance cover. In such a case, a court order must be provided.