Since LocalTapiola is a mutual group, the surplus from Tapiola's business is distributed to the customer-owners as bonuses and rebates. A part of the result is used to strengthen the solvency, hereby ensuring future bonuses.
Other benefits offered to the customer-owners are cost-free mappings of insurance cover and economic security and the emergency phone service.
The policyholders can also influence the company’s business. They have the right to vote at the annual general meetings, which is the forum where the most important matters are discussed and members of the supervisory board elected. Every policyholder has at least one vote, with additional votes being conferred on the basis of insurance premiums or life insurance savings.