Joining

Before entering the contract, we suggest to consult with the specialist(s) about different products offered under III pillar of pension insurance. You’ll find the consultants at all banks, insurance and investment companies who offer the respective services.

• In order to take the pension insurance with guaranteed interest rate, you should go to a life insurance company and ask for information and prices of III pillar of pension insurance (by e-mail or via Internet homepage).

• The contracts of pension insurance with investment risk can be made at the insurance company office (in some cases also via Internet).

• Joining the voluntary pension fund means that you open a securities account in Estonian CSD (ECSD) and make contributions to any of the voluntary pension funds. You can open a securities account in any of the Estonian commercial banks (ECSD account operators).

You can buy fund units via ECSD account operators. The account operators must let you buy the units of any voluntary pension funds available on the market.

The fund units that you purchased are registered on your securities account in ECSD. You can also buy the units of other voluntary pension funds (or other securities) to the same securities account.

Links to the Internet homepages of the service offerers:

• Compensa Lifa Insurance
• Danske Bank
• ERGO Life Insurance SE Eesti filiaal
• LHV
• Mandatum Life 
• SEB
• Swedbank