Nordea MyLife personal insurance provides cover for you and your family

• Illness, unemployment, disability or the death of your partner are devastating events that can also put a strain on you financially. MyLife personal insurance helps you secure your and your family’s financial future.
• In Finland, social security benefits are designed to provide people with a basic income when they suddenly become ill or unable to work. This may be a lot less than what you are normally used to earning. If you’re unable to work, your income may fall permanently to less than half of what it once was.
• Personal insurance gives you extra protection and flexibility with your finances in a difficult situation. It can help you cover daily expenses and repay your loans, get quick access to medical treatment or pay for funeral expenses and inheritance tax.
• Having personal insurance is especially important if you are solely responsible for your own income or the main earner in your family.   

Calculate the price for your insurance.

Physical activity is known to support your health and well-being. And now it can also give you better insurance cover! The wellbeing benefit included in MyLife insurance rewards you for getting active with an increase to your insurance cover.

More about wellbeing benefit

• You’ll get better insurance cover by exercising regularly! This means doing an activity that makes you breathe faster and raises your heart rate. You can walk, run, exercise, dance or pick any other sport you enjoy. 
  

• Half an hour of brisk physical exercise a day will raise your insurance cover by 15%. One hour of brisk physical exercise a day will bring you a 25% raise to your insurance cover.
• You can see how your activity level affects your insurance cover in the MyLife app. The increase in insurance cover is determined by your physical activity data. The duration and intensity of your exercise is converted into activity points, the average of which determines your activity level.
• You can increase your cover in life insurance, critical illness cover, permanent disability cover or cover for death or permanent disability caused by an accident.
• The maximum amount for the increase to the insurance cover is EUR 100,000 in total when all additional compensations are added up.

Read more about wellbeing benefit.

Rules of the campaign

• The limited-time offer applies to new Nordea MyLife life insurance and critical illness insurance policies purchased either online or via Nordea’s service network. 
• Campaign period: 22 September – 30 November 2026
• Discount: 50% 
• Discount valid for: 6 months
• Other discounts offered to Nordea’s customers are also valid during the campaign period. The customer discount is deducted from your insurance premium first, after which the limited-time offer is applied.
• The campaign discount does not apply to any surcharge added to your insurance price due to your state of health. The discount is calculated based on the insurance price before any such surcharge is included.
• You don’t need to bank with Nordea to take out the insurance policy and enjoy the limited-time offer.
• You won’t get the limited-time offer if you terminate a corresponding insurance policy with Nordea and take out another one.

Insurance policies will be issued in compliance with Nordea Insurance’s and Nordea Life Insurance’s customer and risk management guidelines. You can find more detailed definitions of the illnesses covered and the requirements for receiving a benefit in the insurance terms and conditions. 

Read insurance terms and conditions (pdf 106 KB, in Finnish)

Read product description (pdf 666 KB, in Finnish)

Learn more about critical illness cover

Learn more about life insurance

Ongoing discounts

• 15% ongoing discount, if you have home loan, student loan or other secured loan with us
• As our loan customer, you can also get an additional 5% payment method discount, if you choose to pay your insurance premium together with your loan instalment. The payment method discount does not apply to student loans.
• 10% ongoing discount for all other Nordea personal customers

Other benefits 

• You will get a 25% higher death cover to your life insurance policy. This extra benefit will be confirmed annually.
• Unemployment and sick pay insurance: You’ll get a 10% raise to your insurance indemnity if you have an underage child at the time of the insured event. 
• Wellbeing benefit – You can raise the claim amount in your MyLife personal insurance by 15–25% if you exercise actively.
• Connect K-Plussa to your insurance and earn Plussa points.

Wellbeing benefit and K-Plussa benefits are available with life insurance, critical illness cover and permanent disability cover and Cover for death or permanent disability caused by an accident. You will also get Plussa benefits from health cover.

Here are some of the changes you can make to your personal insurance policy:

• Raising or lowering the amount of insurance cover
• Adding a new type of insurance cover
• Changing the due date for your invoices
• Adding the wellbeing benefit to your contract
• Amending the beneficiary clause
• Adding a Plussa card to life insurance, critical illness cover, health cover, permanent disability cover and Cover for death or permanent disability caused by an accident.

See, how to connect your Plussa card to your existing insurance policy.

You can apply changes to your insurance policy by sending us a message through Nordea Mobile or Netbank. Choose ‘Insurances’ as the topic of your message. 

You can also change the due date of your invoices and the invoicing periods by calling customer service at Nordea Life Assurance Finland Ltd and Nordea Insurance Finland Ltd on 0200 22320 (local rates apply). Our phone service is available Mon–Thu 8.30–16.30 and Fri 10.00–16.30. Remember to have your online access codes at hand to verify your identity before we can accept your request for any changes.

Terms and conditions and product description (material is in Finnish)

• Nordea MyLife terms and conditions
• Nordea MyLife product description

Insurance product information documents (material is in Finnish)

• Critical illness cover

• Permanent disability cover
• Unemployment and temporary disability (sick pay) cover
• Medical expenses insurance

Nordea MyLife well-being benefit

• Rules of Nordea MyLife well-being benefit (material is in Finnish)

You are eligible to apply for Nordea MyLife personal insurance if you are aged 18–63 and reside permanently in Finland. 

The covers against unemployment, temporary disability, critical illness as well as permanent disability and health cover are issued by Nordea Insurance Finland Ltd (Business ID 2868440-8).  Life insurance, i.e. death cover, is issued by Nordea Life Assurance Finland Ltd (Business ID 0927072-8). Nordea Bank Abp acts as both insurance companies’ agent. The wellbeing benefit add-on is offered by the insurance company that provides the insurance cover: Nordea Life Assurance Finland Ltd or Nordea Insurance Finland Ltd. The Nordea MyLife app is provided in cooperation with Wellmo (Mobile Wellness Solutions MWS Ltd). 

The detailed criteria for claims and the insurance benefit restrictions related to the different kinds of cover are stated in the insurance terms and conditions and in the product description specifying their meaning. The general limitations on claims are laid down in the Finnish Insurance Contracts Act. The operations of Nordea Life Assurance Finland Ltd and Nordea Insurance Finland Ltd are supervised by the Finnish Financial Supervisory Authority, www.finanssivalvonta.fi. Taxation may change during the contract period.