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On the basic metrics alone, the score was 72.2 and the rank 4. The score is now 64.1 and rank 3 (▲ 1 place). The difference comes from buying motives: they measure what the buyer asks before deciding.
LähiTapiolan henkivakuutussivu on ehtojen läpinäkyvyydessä vahva: laskuri ja verkko-osto, ikärajat, edunsaajamääräys, irtisanominen ja terveysselvitys ovat kaikki avattuina, ja vakuutuksenantaja on nimetty. Korvaussumman enimmäismäärää ei kerrota, ja esimerkkihinnat sisältävät määräaikaisen asiakasedun.
Buying motives checked 11.10.2026 and basic metrics measured 13.8.2026 from public sources. Same formula for everyone, read the full methodology.
| Maximum age at application | 22 p × 100.0 % | 22.0 |
| Duration of cover | 12 p × 0.0 % | 0.0 |
| Free increase to compensation | 10 p × 0.0 % | 0.0 |
| Termination | 6 p × 100.0 % | 6.0 |
| Basic metrics | 50 % × 72,2 | 36.1 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Maximum age at application NOTEThe limit is the year of turning 80, so the value was entered as 80. | Must be applied for by the end of the year in which one turns 80 | lahitapiola.fi checked 11.10.2026 | 22.0 / 22 |
| Duration of cover | Turva's expiry age is not stated on the life insurance page or the cancellation page. | lahitapiola.fi, life insurance · lahitapiola.fi, cancellation checked 11.10.2026 | 0.0 / 12 |
| Free increase to compensation | A free increase in the insured sum is not mentioned on the life insurance page. The page only has a 25% customer discount on the price. | lahitapiola.fi, life insurance · lahitapiola.fi, cancellation checked 11.10.2026 | 0.0 / 10 |
| Termination | Can be cancelled at any time | lahitapiola.fi checked 11.10.2026 | 6.0 / 6 |
If information is missing, the row gets 0 points and the reason is shown. Points rise when the company publishes the information.
| Digital quality | 30 % × 55,0 | 16.5 |
| Transparency | 30 % × 92,5 | 27.8 |
| Reachability | 20 % × 55,0 | 11.0 |
| AI quality score | 20 % × 84,7 | 16.9 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 8/100 | Technical measurement | 3.2 / 40 |
| Accessibility | 86/100 | Technical measurement | 25.8 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 73/100 | Technical measurement | 10.9 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Annual or monthly price or calculator visible without contacting OBSERVATION'Laske hinta henkivakuutukselle', 'Osta henkivakuutus helposti verkosta'; esimerkkihinnat 40-vuotiaalle | Yes | Website + AI extraction | 25.0 / 25 |
| Choice of compensation amount and maximum stated OBSERVATION'korvaussumman voit valita oman tilanteesi mukaan'; enimmäismäärää ei mainita | Partly | Website + AI extraction | 7.5 / 15 |
| Scope and terms of the health assessment stated in advance OBSERVATION'Valitse edunsaaja ja täytä terveysselvitys'; oma artikkeli 'Henkivakuutuksen terveysselvitys... mitä siihen kuuluu' | Yes | Website + AI extraction | 15.0 / 15 |
| Insurance can be applied for or purchased online OBSERVATION'Näin hankit henkivakuutuksen helposti verkosta: Laske oma hintasi laskurilla... Tarkista tiedot ja lähetä hakemus' | Yes | Website + AI extraction | 15.0 / 15 |
| Policy term, end age and beneficiary designation stated OBSERVATION'Voit hakea henkivakuutusta aikaisintaan 15-vuotiaana... sen vuoden aikana, kun täytät 80 vuotta. Jos haet verkosta, tulee olla täyttänyt 18 vuotta'; edunsaajamääräys selitetty | Yes | Website + AI extraction | 10.0 / 10 |
| Cancellability and changes to terms clearly stated OBSERVATION'Voit milloin tahansa irtisanoa henkivakuutuksesi' | Yes | Website + AI extraction | 10.0 / 10 |
| Insurer or Business ID shown OBSERVATION'Henkivakuutusturvan myöntää LähiTapiola Keskinäinen Henkivakuutusyhtiö' | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown | Partly | Website + AI extraction | 15.0 / 30 |
| Email shown | Partly | Website + AI extraction | 7.5 / 15 |
| Chat support | Partly | Website + AI extraction | 7.5 / 15 |
| Opening hours shown | No | Website + AI extraction | 0.0 / 15 |
| FAQ section | Yes | Website + AI extraction | 15.0 / 15 |
| Mobile app | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Clarity of information | 84/100 | AI analysis | 28.6 / 34 |
| Findability of pricing | 80/100 | AI analysis | 26.4 / 33 |
| Content coverage | 90/100 | AI analysis | 29.7 / 33 |
Are you a LähiTapiola service customer? Share your experience. Does not affect the Suomen Paras Score, the score is based on measurable data only.
The free pre-analysis shows every item where points are lost and how much fixing it raises the score and rank. The paid analysis shows what the items are and how to fix them.
With website and information fixes you gain at most +35.9 points: 64.1 → 100.0, rank 3 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.The partner badge is a free mark of cooperation with the Suomen Paras comparison. It does not claim a ranking; any partner of ours can add it: companies included in the comparison, our customers and our cooperation partners, and it works as a link to this public profile.
