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On the basic metrics alone, the score was 80.3 and the rank 1. The score is now 62.0 and rank 4 (▼ 3 places). The difference comes from buying motives: they measure what the buyer asks before deciding.
OP:n henkivakuutussivu on sisällöltään kattavin: hintalaskuri, esimerkkihinnat, korvaussumman laskukaava, terveysselvityksen laaja kuvaus, ikärajat ja edunsaajamääräys ovat kaikki esillä, ja vakuutuksenantaja OP-Henkivakuutus Oy on nimetty. Irtisanominen jää vain vaihtotilanteen maininnaksi, ja esimerkkihinnat perustuvat omistaja-asiakkaan etuun.
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 × 45.0 % | 9.9 |
| Duration of cover | 12 p × 50.0 % | 6.0 |
| Free increase to compensation | 10 p × 0.0 % | 0.0 |
| Termination | 6 p × 100.0 % | 6.0 |
| Basic metrics | 50 % × 80,3 | 40.1 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Maximum age at application | Maximum application age 69 years | op.fi checked 11.10.2026 | 9.9 / 22 |
| Duration of cover | Ends at the end of the insurance period at age 80 | op.fi checked 11.10.2026 | 6.0 / 12 |
| Free increase to compensation | A free increase to the insured sum is not mentioned on the life insurance page. OP's page has only a 25% discount on the owner-customer's price, not an increase to the benefit. | op.fi, life insurance checked 11.10.2026 | 0.0 / 10 |
| Termination | Can be cancelled at any time | op.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 % × 58,5 | 17.6 |
| Transparency | 30 % × 95,0 | 28.5 |
| Reachability | 20 % × 85,0 | 17.0 |
| AI quality score | 20 % × 86,3 | 17.3 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Performance (mobile) | 5/100 | Technical measurement | 2.0 / 40 |
| Accessibility | 100/100 | Technical measurement | 30.0 / 30 |
| Findability (SEO) | 100/100 | Technical measurement | 15.0 / 15 |
| Technical practices | 77/100 | Technical measurement | 11.6 / 15 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Annual or monthly price or calculator visible without contacting OBSERVATION'Henkivakuutuslaskurilla voit laskea, mitä henkivakuutus sinulle maksaisi'; 'Korvaussumma 100 000 euroa, hinta -25 %: 10,94 euroa/kk' | Yes | Website + AI extraction | 25.0 / 25 |
| Choice of compensation amount and maximum stated OBSERVATION'Valitse sinulle sopiva korvaussumma'; 'laskukaava: osuutesi lainoista + vuoden bruttotulosi + vähintään 20 000 euroa huollettavaa lasta kohden' | Yes | Website + AI extraction | 15.0 / 15 |
| Scope and terms of the health assessment stated in advance OBSERVATION'Kun haet vakuutusta verkosta, sinun on täytettävä terveysselvitys, jossa selvitetään perustiedot... Voit täyttää terveysselvityksen helposti op.fi-palvelussa' | Yes | Website + AI extraction | 15.0 / 15 |
| Insurance can be applied for or purchased online OBSERVATION'Laske hinta' -osto verkossa; terveysselvitys täytetään op.fi-palvelussa | Yes | Website + AI extraction | 15.0 / 15 |
| Policy term, end age and beneficiary designation stated OBSERVATION'Henkivakuutuksen ottamisen yläikäraja on 69 vuotta ja alaikäraja 18'; 'voit nimetä edunsaajaksi kenet tahansa' | Yes | Website + AI extraction | 10.0 / 10 |
| Cancellability and changes to terms clearly stated OBSERVATION'ettet irtisano mahdollista voimassa olevaa vakuutusta ennen kuin saat OP-Henkivakuutus... päätöksen' (vain vaihtotilanne) | Partly | Website + AI extraction | 5.0 / 10 |
| Insurer or Business ID shown OBSERVATION'Vakuutuksen myöntää OP-Henkivakuutus Oy, jonka asiamiehinä osuuspankit ja Pohjola Vakuutus toimivat' | Yes | Website + AI extraction | 10.0 / 10 |
| Metric | Measured value | Source | Points |
|---|---|---|---|
| Phone number shown | Yes | Website + AI extraction | 30.0 / 30 |
| Email shown | Partly | Website + AI extraction | 7.5 / 15 |
| Chat support | Yes | Website + AI extraction | 15.0 / 15 |
| Opening hours shown | Partly | Website + AI extraction | 7.5 / 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 | 85/100 | AI analysis | 28.9 / 34 |
| Findability of pricing | 82/100 | AI analysis | 27.1 / 33 |
| Content coverage | 92/100 | AI analysis | 30.4 / 33 |
Are you a customer of the OP service? 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 +19.8 points: 62.0 → 81.8, rank 4 → 1.
See the free pre-analysis The analysis does not change the score. Only improving the metrics does.You were the measured #1 in the Life insurance category. The badge stays yours permanently and shows the period when you were #1. It works as a link to this public profile. Rankings and badges cannot be bought.
