Our Solutions – Finland

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Our Solutions

Utmost Wealth Solutions provides insurance-based solutions to high net worth clients who want to sustain and pass on their wealth. Life insurance is a robust and proven solution to assist in financial planning, enabling clients to pass on their wealth in a controlled manner.

Wealth solutions is our core business. We employ focus, scale and technical expertise to safeguard our clients’ wealth.

We provide a range of investment options to residents in Finland.


The Target plan is a regular premium, unit-linked, life insurance plan without guarantees. It is designed to help our clients to build up a lump sum by saving regularly over a medium to long term.

Please download our brochure (in Finnish) here


Wealth Portfolio is a single premium unit-linked plan available to individuals in Finland and corporates registered in Finland. It is designed for clients with a medium to long term time horizon who want to preserve, grow, or transmit their capital and seek a sophisticated investment solution with a wide range of investment options.

Investors can choose to self-manage their plan portfolio and make all of the investment decisions or nominate a discretionary fund manager to manage the plan portfolio on their behalf in line with their chosen investment strategy, or a mix of both.

Wealth Portfolio Finland also offers the choice of a life insurance variant or a capital redemption variant, secure online servicing and the flexibility to pay premiums in different ways in a range of currencies.

The minimum investment depends on the applicable charging structure. For charging structures A – D, the minimum investment is €100,000, while the minimum for Charging Structure E is €500,000.

Depending on the charging structure applicable, there are some variations in the product. Please ensure you select the correct product guide below.

Download the Wealth Portfolio Product Guide for Charging Structures A – D (in Finnish) here

Download the Wealth Portfolio Product Guide for Charging Structure E (in Finnish) here


The Future plan is a regular premium, unit-linked pension plan without guarantees. It is suitable for employers who want to provide their key employees with additional income at retirement. Future can be set up for either an individual director or an employee, and it can be a useful way for an employer to provide additional, attractive employment benefits. The employer (planholder) selects the premium payment term over which to pay regular premiums, ranging from a minimum of 10 years up to a maximum of the number of years until the pension commencement age. Single premiums can also be paid into the plan at any time during the premium payment term.

Please download our brochure (in Finnish) here

Benefits of Utmost Wealth Solutions

In Finland, policies are written from our Irish life company, Utmost PanEurope dac. They benefit from Ireland’s strong insurance regulatory regime, Solvency II and Ireland’s robust policyholder protection regime.

For Key Information Documents (KIDs) and information on your investment options

How can we help?

To find out more about our solutions available in Finland, please contact our sales team.


Customer support

If you have a query about an existing policy, please contact our customer support team.

Customer support

Online Service

To manage your policy online, log in to the online service centre.

Online Service Login