Insurance Representation

Titanium Life Oy offers unit-linked insurance products from both international and domestic insurance companies, tailored around a client’s new or existing investment portfolio. A unit-linked insurance policy combines the flexibility of investing with the security provided by insurance. It allows investors to benefit from tax advantages and gain access to global securities markets.

Titanium’s insurance services are aimed at private, corporate, and institutional clients who value cost-efficiency, transparency, and tailored solutions.

Investing through an insurance policy is an effective way to manage investment assets. A unit-linked insurance policy consists of paid premiums and the performance of the underlying investments, including deposits, interest, dividends, and payouts.

The policy includes life insurance coverage, which pays a benefit to the insured’s beneficiaries based on the policy’s accumulated value in the event of death. The policyholder can be an individual, a company, or an organization.

Funds from a unit-linked policy can be linked to Titanium’s asset management services or a custom-built investment portfolio.

Group pension insurance is a policy taken out by a company for a specific employee group to supplement statutory pension coverage or to offer flexible retirement options.

The policy includes life insurance coverage, and if desired, additional protection for permanent disability. The pension amount is based on the accumulated insurance savings and the agreed retirement age, with the earliest possible retirement age being 55 years.

Tax Treatment of Group Pension Insurance:

• Contributions are generally tax-deductible for the employer.
• Contributions are not treated as taxable income for employees, so the company does not withhold taxes or pay related social contributions.
• Pensions paid from the group pension insurance are taxable earned income, similar to statutory pensions.
• Life insurance benefits paid to the insured’s close relatives are subject to inheritance tax.
• Benefits for company owners must be reasonable and comparable to what non-owner employees in similar positions receive.
• Pensions paid due to permanent disability are taxable earned income.

The tax treatment of insurance policies depends on the current legislation and tax practices. The above reflects the treatment of group pension insurance as of 1 November 2025 for individuals fully taxable in Finland. Titanium is not responsible for future changes in taxation.

Titanium Life Oy collaborates with selected insurance companies to ensure high-quality and competitive solutions for its clients.

Our Partners:

• Vakuutusosakeyhtiö Henki-Fennia
• SEB Life International Assurance Company DAC
• Utmost PanEurope dac