Licensed list · Europe · Nordics · FI

Licensed insurance companies in Finland (2026)

VerifiedVerified against the FIN-FSA register, checked 3 Sept 2026.

The 46 insurance companies licensed in Finland in 2026, as recorded by the Finanssivalvonta (FI) (FIN-FSA), with the class of business and ownership each one is registered under.

Snapshot

46Licensed operators
9Life20% of entities
0General (non-life)0% of entities
0Cross-border groups46 domestically owned

By class of business

Each company is counted once, under the class its register row records. The supervisor’s own tally counts licences, so a company licensed for more than one class appears more than once there.

By ownership

  • Mutual / cooperative33 72%
  • Domestic private12 26%
  • State-owned / parastatal1 2%

“Cross-border groups” counts foreign multinationals and pan-regional groups; “domestically owned” counts domestic private, state-owned, mutual and captive entities. The register records the parent’s type, not its home market. How ownership is recorded

Licensed insurers in Finland

Showing 25 of 46 entities. The full, filterable table is on the country page; every row is in the JSON below.

InsurerClassOwnershipGroupVerification
Nordea Insurance Finland LtdUNot stated in registerDomestic privateNordeaVerified
Nordea Life Assurance Finland LtdLLifeDomestic privateNordeaVerified
OP Life Assurance Company LtdLLifeMutual / cooperativeOP Financial GroupVerified
Pohjola Insurance LtdUNot stated in registerMutual / cooperativeOP Financial GroupVerified
Aaland Mutual Insurance CompanyUNot stated in registerMutual / cooperative—Verified
Aktia Life Insurance LtdLLifeDomestic privateIndependentVerified
Åland Insurance LtdUNot stated in registerDomestic privateIndependentVerified
Alandia Försäkring AbpUNot stated in registerDomestic privateIndependentVerified
Alma Insurance Company LtdUNot stated in registerDomestic privateIndependentVerified
Bothnia International Insurance Company LtdUNot stated in registerState-owned / parastatalPublic / state-linkedVerified
Fennia Life Insurance Company LtdLLifeMutual / cooperativeFenniaVerified
Fennia Mutual Insurance CompanyUNot stated in registerMutual / cooperativeFenniaVerified
Finnish Mutual Insurance Company for Pharmaceutical Injury IndemnitiesUNot stated in registerMutual / cooperative—Verified
Finnish Mutual Patient Insurance CompanyUNot stated in registerMutual / cooperative—Verified
Finnish P&C Insurance LtdUNot stated in registerDomestic privateIndependentVerified
Garantia Insurance Company Ltd.XSpecialty / Credit / CaptiveDomestic privateIndependentVerified
Kaleva Mutual Insurance CompanyUNot stated in registerMutual / cooperative—Verified
LähiTapiola Etelä Keskinäinen VakuutusyhtiöUNot stated in registerMutual / cooperativeLocalTapiolaVerified
LähiTapiola Etelä-Pohjanmaa Keskinäinen VakuutusyhtiöUNot stated in registerMutual / cooperativeLocalTapiolaVerified
LähiTapiola Itä Keskinäinen VakuutusyhtiöUNot stated in registerMutual / cooperativeLocalTapiolaVerified
LähiTapiola Kaakkois-Suomi Keskinäinen VakuutusyhtiöUNot stated in registerMutual / cooperativeLocalTapiolaVerified
LähiTapiola Kainuu-Koillismaa Keskinäinen VakuutusyhtiöUNot stated in registerMutual / cooperativeLocalTapiolaVerified
LähiTapiola Keski-Suomi Keskinäinen VakuutusyhtiöUNot stated in registerMutual / cooperativeLocalTapiolaVerified
LähiTapiola Länsi-Suomi Keskinäinen VakuutusyhtiöUNot stated in registerMutual / cooperativeLocalTapiolaVerified
LähiTapiola Lappi Keskinäinen VakuutusyhtiöUNot stated in registerMutual / cooperativeLocalTapiolaVerified

Full table for Finland ↗

Regulatory intelligence: Finland

Read from the register, not written for this page: the supervisor’s regime, the source the list was checked against, and the market notes recorded alongside it.

Supervisor
Finanssivalvonta (FI) FIN-FSA
Register source
EIOPA Register of Insurance Undertakings export (3 Sep 2026)
Verification
Verified against the regulator register · EIOPA export, 46 domestic undertakings / 3rd-country branches

No market event is recorded against this register for 2026. The regime and source above are the standing facts.

Governing legislation

  • Act on the Financial Supervisory Authority 878/2008 · Institutional and insurance framework

    FIN-FSA supervises financial and insurance services. It operates administratively in connection with the Bank of Finland while exercising its own supervisory responsibilities.

Verification log

Class and group inferred from name - see Master List basis columns

For B2B teams and AI agents

The same rows as static JSON, no key, CORS open, CC BY 4.0. Paged files stay under 96 KB so an agent’s fetch tool never truncates them.

curl -s https://insurers.global/api/v1/countries/finland.json
curl -s https://insurers.global/api/v1/countries/finland/insurers/pages/1.json