Life insurance

Life insurance protects your next of kin

Financial security for your loved ones

Life insurance is particularly important if you are responsible for your family’s livelihood, you have children or you have loans.


Life insurance according your needs

Choose the life insurance that best suits your life situation based on the size of your household, income and loans. 


Benefit increased by 40% for owner-customers

For example, if you have chosen 100,000 euros as the amount of benefit, we will pay 140,000. The increase is confirmed annually. You will also earn OP bonuses.


We use automated decision-making in insurance decisions. We will check your credit rating from Suomen Asiakastieto Oy. 


Read more on the processing of personal data

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What kind of life insurance suits me?

The best life insurance is one that will enable your loved ones to continue life without financial worries. Your next of kin can use the life insurance benefits to pay for mortgages or the inheritance tax, for example. 

You can calculate a suitable benefit amount by factoring in your family’s loans, annual income and number of children. We recommend that you choose a benefit that covers at least your share of loans, your annual gross income and 20,000 euros per dependent child.

Joint cover - cheapest alternative for two persons

The price of life insurance depends on the amount of benefit you have selected for the life insurance, age and the number of insured persons. If you want a life insurance for yourself and your spouse, joint cover is a cheaper alternative than separate life insurance policies.

Joint cover is a good option when you and your spouse are together responsible for your family’s livelihood. If you are interested in joint cover or would otherwise like to discuss with our specialist, please contact your local OP cooperative bank or our customer service on 0303 0303 (Mon-Fri 8-19).


Critical illness cover
Available only in Finnish or Swedish.

Life insurance is granted on the basis of the health declaration. A health declaration can be filled in easily online, and it is used to determine whether the policy can be granted. 

A policy may nevertheless be granted even if you are not entirely healthy. The decision is always made on the basis of the health declaration.

It is important that you do not terminate any existing policy until you have received a decision that a new policy has been granted.

The easiest way to give or change beneficiary nomination is to log in service.  Alternatively, you can submit a new beneficiary nomination by using the form.

Beneficiary clause

As a Pohjola Insurance prime customer you will receive discounts benefits. When you are also an OP cooperative bank owner-customer, you have access to even better benefits and discounts and the bonuses you have received as an owner-customer are used for your insurance premiums.
Instructions and forms for applying for life insurance compensation.
The insurance is issued by OP Life Assurance Company Ltd.