The policyholders may participate in annual general meetings, which are the supreme decision-making bodies in a mutual company. Every policyholder has at least one vote, with additional votes being conferred on the basis of insurance premiums (Tapiola General and Tapiola Pension) or life insurance savings (Tapiola Life).
The annual general meeting of each company selects the members of the supervisory boards. When electing the members, the aim is that the compositions of the boards should correspond to the structure of each company’s customer base, reflecting both customer segmentation and the regional breakdown of premiums written.
The members of the supervisory boards, representing the policyholders, elect the board for each company. The co-operation committee of the supervisory boards, which comprises of the chairmen and deputy chairmen of the supervisory boards, supervises the activities of the whole Tapiola Group.
In addition to the supervisory boards, Tapiola’s customers are also represented in Tapiola’s activities through the advisory committee system. Tapiola's 16 regional advisory committees, three advisory committees for customers and the advisory committee for banking as well as agriculture and forestry act as an additional channels of interaction between the company or bank and its customers. The committees have about 340 members.