What mutuality means for you

How you can benefit from our mutual status

Putting our customers at the heart of all we do

Since we were founded in 1841, we’ve cherished our mutual status.

As a mutual, we have no shareholders to consider or satisfy with short-term returns. This means we can take a more responsible medium to long-term view that benefits both our members and customers.

We work hard to benefit those who invest in our business. It's an integral part of who we are, and it allows us to share our success with our customers and members.

The mutual difference

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Boosted investment returns

Of our With Profits open fund investors through our Mutual Bonus payouts.

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Have your say

Every year our members get to have a say on how we run our business in our Annual General Meeting.

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Financial contribution

To give our members discounts on selected insurance products.