Varma Mutual Pension Insurance Company

Varma Pension Insurance Company (Finnish: Keskinäinen työeläkevakuutusyhtiö Varma) is a pension insurance company in Finland. Varma manages statutory TyEL insurance for employees and YEL insurance for the self-employed and statutory vocational rehabilitation and services relating to predicting and managing work ability risks. Varma is a mutual company and its head office is located in Salmisaari, Helsinki.

In 2021, Varma paid out pensions in the amount of 6.2 billion euros to 346,000 people, and at year-end 571,229 people were insured with Varma. In terms of turnover, Varma was the twelfth-biggest company in Finland in 2020. In 2021, Varma was one of the largest real estate investors in Finland.