What mutuals say

"Mutuals have proved themselves to be resilient in recent years and have seen rapid increases in market share between 2008 and 2010 being at the forefront of innovation in the insurance sector."

John Reeve,
Chief Executive, Family Investment 2011

"Mutuals are all about helping people to help themselves. Risk is pooled in these organisations and members share the benefits and profits of their mutual trade."

The Mutual Manifesto

"At LV=, we’re all about helping people protect and provide for the things they love. This is something we care passionately about and we hope it shows in the way we work with you."

LV= Website
The Liverpool Victoria group

"Businesses with shareholders have to make profits for investors – for many the need to pay dividends is paramount. Not so for us – we have no shareholders to whom we have to pay dividends to and can focus totally on generating profits which can be used for the benefit of all our customers."

Engage Mutual

"Not-for-profit, mutuality offers lower-cost healthcare provision, compared to the average cost of private medical insurance. Services are funded by members, for members, and delivered when they need it most".

Ken Hesketh,
Chief Executive of Benenden Healthcare Society Limited