Varma Pension Insurance Company (Finnish: Keskinäinen työeläkevakuutusyhtiö Varma) is a pension insurance company in Finland.

[3][4] Varma manages statutory TyEL insurance for employees and YEL insurance for the self-employed and statutory vocational rehabilitation and services relating to predicting and managing work ability risks.

Varma is a mutual company and its head office is located in Salmisaari, Helsinki.

[2] In terms of turnover, Varma was the twelfth-biggest company in Finland in 2020.

[6] In 2021, Varma was one of the largest real estate investors in Finland.