Investment Insurance and Capital Redemption Contract

The contract’s total savings consist of the capital paid into the contract and any accumulated returns. When withdrawing assets, capital gains tax is paid on the returns.

The capital gains tax rate is 30%. The tax rate rises to 34% for the share of capital income that exceeds EUR 30,000 (in 2019). The Insurance company makes a withholding with 30%. The tax authority controls the amount of the tax in connection with the final taxation.

Capital is the amount of premiums paid into the contract, less any partial withdrawals made during the contract period. The contract’s returns can be calculated by subtracting the amount of capital from the withdrawal value.

Partial or full withdrawal of savings

You can withdraw assets from your contract’s total savings or if your contract includes more than one investment, you can select one or more investments from which to make the withdrawal.

When selecting the withdrawal from the total savings, the sum of your choice will be withdrawn equally from all of the contract’s investments. If you wish to select from which investment object the withdrawal will be made, select “from the investments I have selected”. After this, you can add what proportion of the selected investments you wish to withdraw. 

Please note that if your contract includes a fixed-term investment, for instance a structural investment or bonds, a withdrawal cannot be made using this form partway through the investment period. In this case, it is also not possible to make a withdrawal from the total savings. You can withdraw a sum of your choice from any other investments or contact our customer service. 

You can withdraw all of the contract’s savings and at the same time terminate the contract by making the withdrawal amount a sum corresponding to your total savings or by withdrawing 100% from all of your investments. Following this, you must confirm that we should pay you all of your savings and that your contract will end by ticking the box next to “I accept that my contract will end”.

Maintaining the validity of the contract requires that at least 100 euros in savings remain after the withdrawal. If the contract’s savings are less than this, we will pay you the total savings and end the contract.


Contact information

Customer service:
0200 31100

(lnc/mnc), Mon–Thu 8–18 and Fri 8–17

Exceptional opening hours


Customer service for corporate customers:
0200 31190

(lnc/mnc) Mon–Fri 8–17

Exceptional opening hours


When calling from abroad:

+358 200 31100

(lnc/mnc), service in Finnish

+358 200 31120

(lnc/mnc), service in Swedish

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Postal address:

Mandatum Life, Customer Service
P.O. Box 627, FI-00101 HELSINKI

Claims service:

Mandatum Life, Claims Service
P.O. Box 627, FI-00101 HELSINKI

Contact information for different locations: