Managing insurance matters by power of attorney

Managing insurance matters for another person is possible in certain situations if that person has authorised you with a power of attorney. See below for instructions on authorisation by power of attorney and information on situations where a power of attorney can be used.

Authorisation by power of attorney

In certain cases, it may be necessary to authorise another person to manage your insurance and claims matters on your behalf. Depending on the situation, you can authorise a person of your choice to manage your insurance matters with one of the following powers of attorney.

Power of attorney for the management of insurance and claims matters

Power of attorney for the management of insurance and claims matters for a death estate

Representation based on continuing power of attorney

See below for more information on powers of attorney for insurance matters 

Power of attorney for the management of insurance and claims matters

The power of attorney for the management of insurance and claim matters authorises the holder to handle insurance and claims for the principal, with the exception of the right to appoint beneficiaries, fill in health declarations, or authorise a third person. The authorised person will be able to view your insurance details in their own OP eServices and can manage your affairs by phone, in OP eServices and at our branch offices. 

You can issue a power of attorney for the management of insurance and claims matters electronically in your OP eServices at: op.fi – Insurance – All services – Powers of attorney. On this page, you can also view any powers of attorney that you have received and authorised and end a previously authorised power of attorney.

If you do not have access to OP eServices, you can authorise an individual power of attorney for the management of insurance and claims matters 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 

Pohjola Insurance Ltd 

Code 5010454 

FI-00003 VASTAUSLÄHETYS (RESPONSES).

Power of attorney for managing the affairs of a death estate

When the policyholder has deceased or the policy is under the name of the estate and there is a need to change the estate’s insurance cover or customer information, the following documents must be submitted as an online message attachment or delivered to the nearest branch in order to handle the matter:

The estate inventory in full, or an extract from the population register indicating the family or marital relationship with the deceased policyholder.

A power of attorney signed by all distributees of the death estate in which the distributee is authorised to manage the insurance affairs of the deceased. The authorisations from the distributees may also be given on separate powers of attorney. 

The last Will and Testament, if one has been made. In this case, the beneficiary of the last will must also sign the power of attorney.

If you are handling the matter in person at a bank branch, you must also provide proof of identity.

Please note that documents delivered to a bank branch are not always automatically available for managing insurance matters, and that power of attorney for managing banking affairs is insufficient for the management of insurance-related matters.

Legal guardian and representation based on continuing power of attorney

In the event that your capacity is reduced by a difficult illness, accident or old age to the point that you are unable to personally manage your affairs, you may require a legal guardian or representative with a continuing power of attorney. A legal guardian is appointed by a local register office or a court of law. The legal guardian may be a private individual, such as a close relative or other next of kin, or a public legal guardian.

In the continuing power of attorney, you specify the matters to which the power of attorney applies and name the persons you wish to authorise.  The representative based on a continuing power of attorney must be a private individual. 

By appointing a representative with a continuing power of attorney, you can take precautions in advance in the event that your capacity is reduced, for example. It is advisable that you establish representation based on a continuing power of attorney well in advance, in other words when you are still legally competent and understand the meaning of power of attorney. Representation based on a continuing power of attorney takes effect when you are incompetent to manage your personal affairs due, for example, to an illness or mental incapacity. After that, the power of attorney will be confirmed at a local register office at the authorised representative's request. When preparing the power of attorney, we recommend that you consult an expert, such as legal services provided by your OP cooperative bank.