About Us

As a mutual society we have no shareholders, so profits are used to benefit our members through policy bonuses and a benefits package

About Us

Company reports and governance

Please select from the options below for further information on how we manage our With Profits Fund, to see our financial results, read our Annual General Meeting report and to find out more about the Society’s governance.

Click on ‘show info’ to expand each option. 

Principles & Practices of Financial Management (PPFM)

How we manage our With Profits Fund

Principles & Practices of Financial Management (PPFM)

Annual Report to With Profits Policyholders on Compliance

PPFM Statement of Changes – Effective from 30th April 2016

Company reports and publications

Report & Accounts

Financial results for 2016

Financial results for 2015

Financial results for 2014

Financial results for 2013

Financial results for 2012

Financial results for 2011

Financial results for 2010

Financial results for 2009

Financial results for 2008

Financial results for 2007

 

Solvency and Financial Condition Reports (SFCR)

Solvency & Financial Condition Report 2016

SFCR Disclosures 2016

 

Our Governance - Terms of Reference

Board

Board of Directors

Committees

Audit Committee

Investment Committee

Membership Committee

Nominations Committee

Remuneration Committee

Reserving Committee

Risk and Capital Committee

With-profits Advisory Arrangements

Leek Fund

Order Insurance Fund

Pure Endowment Fund

Tunstall Fund

POIS With-profits fund

Unit-linked Advisory Arrangement

Unit-Linked (POIS)

Association of Financial Mutuals

UK Corporate Governance Code (Annotated Version for Mutual Insurers)

 

AGM Report

       AGM Report 2016

AGM Report 2015

AGM Report 2014

 

 

Rules & Memorandum

Rules

Memorandum

 

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