A small investment in peace of mind

Life insurance helps your loved ones make it through the worst financially.

Statutory benefits are usually not sufficient to secure the future of your loved ones in case something bad happens. That is why it is important for you to supplement your statutory cover through voluntary life insurance. By insuring yourself, you are also safeguarding your family.

  • Life insurance is sufficient if it covers your debts and your income for two years.
  • In the event of death, an agreed life insurance benefit is paid to the next of kin or to other designated beneficiaries.
  • The benefit payable upon death does not reduce any statutory compensation that may be paid to your family. You can select a lump-sum benefit or multiple payments that decrease in amount.
  • You can take out life insurance for yourself or joint cover for you and your significant other.


Calculate the cost of your cover

Fill in the information below and the amount of compensation you would like your loved ones to receive, and we will recommend the right life insurance cover for you. The cost of the insurance cover is calculated for private individuals.

We recommend that the sum insured covers your loans and two years' earnings.

Fill in your contact information

We will contact you as soon as possible. After our discussion, we will draw up a life insurance offer for you.

Thank you for contacting us

We will send you an email confirming that we have received your message. We will contact you within two days.

We can also help you prepare for other financial risks in your life.

The cost of the insurance cover given in the example is indicative only and is calculated on the basis of the age that has been entered by you. The example is calculated under the assumption that the insured person's state of health does not necessitate an increase in the insurance premiums and that the insurance can be granted. The insurance premiums will increase during the effective insurance period as the insured ages. The insurance premiums are due 1 to 4 times a year. When applying for the insurance cover you must provide a health declaration. Our customer service department can provide you with a health declaration form.

Cost of insurance cover


In the event of your death, your beneficiaries would receive the following lump-sum compensation at a monthly cost of EUR .



Insure yourself and pay it forward

By insuring yourself, you can help to secure the life of a disadvantaged child or youth in case of injury. We will donate a sum corresponding to some 1 per cent of the first-year insurance premiums of all of our new risk insurance customers in order to arrange accident insurance. This means that more than 1,000 children and adolescents will receive accident insurance each year.

Mandatum Life works together with the Tukikummit foundation. The assistance granted by the Tukikummit foundation supports Finnish children who are from disadvantaged families and in danger of being marginalised due to financial reasons.

Learn more about Optimi Personal Insurance

Mandatum Life's Optimi is a flexible and individual personal insurance to supplement your statutory insurance cover and make tomorrow easier for yourself and your loved ones in case of critical illness, disability or death. Your insurance needs are always linked to your life situation – be in touch with us and let us tell you more.

Optimi Personal Insurance

Send a message

A simple and safe way for customers to contact us is to send us a message through our Web Service


Our Customer Service number

0200 31100
(lnc/mpc) Mon to Thu 8-18 and Fri 8-17

Ask us to contact you

Send us your details and we will contact you.

Use this form to make a request for contact. If you are a customer and would like to place an order, send a secure message by logging in to our Web Service or by calling our Customer Service.

Log in to Web Service »

* required field

Subscribe to our newsletter

What's going on? Keep up to date with market events.