Member Benefits. More than just mortgages, insurance, savings and investments. Find out how we can help you and your family...

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1 Member Benefits More than just mortgages, insurance, savings and investments Find out how we can help you and your family...

2 It s a mutual thing At Police Mutual we work hard to understand exactly what our members want and then do everything we can to deliver it. Doing our absolute best for the Police Family is what motivates us and is the driving force behind everything we do. How being a member benefits you and your family Being part of Police Mutual is about much more than just savings, it s about joining over 200,000 of your colleagues and their families in sharing something special which is owned by and run by the Police. Here are just some of the ways that being a member of Police Mutual benefits you: We look after you We re passionate about Police welfare and understand that your finances are just one part of your overall wellbeing. Our financial education can help you deal with today and plan for tomorrow whilst our Health and Wellbeing zone is there to support your wider wellbeing. Should the worst happen, we will be there to back you up with our Member Care service, providing practical support at your time of need. We make it easy We understand the job you do. So whether it s our low starting premiums to help you start saving, searching the whole market for the right mortgage for you, or giving you the ability to pay from payroll, our job is to make it as easy as possible for you to save, invest and protect you and your family. We give you peace of mind Our products are designed to provide you with security and protection in the areas where you most need it. We won t try to pull the wool over our members eyes with complicated terms and conditions because we know you need to trust us. We price for the Police Sometimes working for the Police can have some hidden benefits. We get that, and where we can take advantage of this to help you, we will (for example mortgages & car insurance). Where there might be some hidden drawbacks to your job, for example because it s risky, we won t ask you to pay more. We share benefits so you save money or can sleep better at night We are always looking for an opportunity to give you something back, whether that s saving you 300 on a mortgage application, money off your gym membership or dealing with your worries. You can trust us to be looking out for you. We know we still need to be competitive That s why we have the lowest charges in the sector for savings plans. It helps that we don t have to make money to pay shareholders, just cover our costs. We consistently deliver member benefits We want to do as much as possible for our members whether they are new or have been with us for years. How Police Mutual can help Look after you and your family Visit: policemutualfoundation.co.uk/ wellbeingzone Find out about our pre-retirement courses Call Book a money coaching session Call: or

3 More than just savings and in We still provide the same reliable, straightforward service that you know and trust. But take a closer look and you ll find there s more to Police Mutual than just savings and investments. Health & Wellbeing The Police Mutual Foundation Wellbeing Zone is a free and confidential website exclusively for Police employees. Here you can access a range of personally tailored programmes as well as information and support in all areas of wellbeing. Main features include: Personal exercise programme Weight management plan Monthly wellbeing check-up Healthy eating guides Stress management exercises and techniques General advice and information Ask the expert service Special offers and discounts from national health and fitness providers Retirement service Whether you already have a Police pension or are considering a pension for the first time, we re here to help you understand what you can do now to make the most of your retirement. And if you re nearing your retirement, our free pre-retirement courses are designed to give you the information you need to help you make the right decisions for you. Over 12,000 Police employees benefited from our seminars and presentations in Financial education Just knowing about money is not enough in the current financial climate. The principles of sound financial management are not hard to understand but putting them into practice is an entirely different matter. Our financial education seminars are free to individuals and forces. One to one support and guidance Our Money Coaching Service is designed to help you understand the impact of your financial behaviour and support you with any money worries. Another free service designed by Police Mutual, it helps you to better understand your current financial position and identify any problems that may be on the horizon whatever stage you re at in your career. And if your circumstances are more complicated and require specialist advice, our Independent Financial Advisers and Mortgage Advisers are available to help. Member Care Service Experiencing critical illness, terminal illness or bereavement can be a very difficult time but our new Member Care Service provides you with free, practical support that includes: a personal nurse adviser who will listen to and support you counselling, physiotherapy or a range of complementary therapies including acupuncture and reflexology, if you feel you could benefit from these

4 vestments We ve helped generations of Police employees and their families to secure their financial futures. Here are some of the ways we can help you. Mortgage service Buying a home or remortgaging is likely to be the biggest financial commitment you ll ever make, so it s important to talk to someone you can trust. Our close relationship and knowledge of the Police Service enables us to provide mortgage advice that s tailored to your needs and in many cases we can use our know-how to get better deals for you than other providers. We search the whole mortgage market Our fully qualified mortgage advisers will search thousands of mortgages across the whole market to make sure we find the right mortgage for you. We ll explore all your options and talk you through the whole process. We provide mortgages and help for remortgaging, Órst time buyers, buy-to-let and conveyancing. To find out more, call us on Your home may be repossessed if you do not keep up repayments on your mortgage. The service is free for existing customers of the Police Mutual Group. The fee payable for non-customers is 300, but this will be waived if you take out any Police Mutual Group product during the process. Independent Financial Advice Our Independent Financial Advisers can provide impartial, independent advice on products available to you from the whole of the UK market. Insurance - Car, Home and Life We are the largest scheme provider of home and motor insurance to the Police in the UK. We price specifically for the Police, so you can make sure you get the level of cover that s right for you. That s why over 90% of our customers renewed with us in We also offer life insurance, giving you peace of mind that you re protecting your family should the worst happen. Regular Savings Whatever you re saving for, our 10 year Regular Savings plan helps you save an affordable amount each month. And with payments deducted from salary in most Forces, you won t even notice you re saving. ISAs and investments Our investment range has been carefully designed so that there s something for everyone, whatever your needs, including a full range of ISAs. Whether you re looking for guarantees, are happy to take a little more risk for potentially higher returns - or want a bit of both - we re likely to have a solution that could help you. And we keep our charges low. Children s savings It s never too early to start saving for your children s or grandchildren s future. Before you know it they ll be looking to buy their first car, pay for university or maybe put a deposit down on their first home.

5 Keeping it in the family Today, with over 200,000 members of the Police Service trusting us with their savings, investments and insurance, we re proud to be the UK s largest affinity friendly society. Exclusively for the Police Service Police Mutual is a mutual society, exclusively for members of the Police Service and their families which means that we put our members at the heart of everything we do. Whether you re a Police Officer or Police Staff, serving or retired, our products and services are designed with you in mind. Even if you leave the Police, you can still continue with your existing Police Mutual plans and take out additional ones. And your own family is welcome too. Your partner and your wider family including parents, brothers and sisters, children and grandchildren can all benefit by becoming members of Police Mutual. Your Police Mutual As policing continues to change, we ve recognised your needs are changing too. So we ve listened to you and broadened our services to make sure we re as relevant to the Police today as we were 90 years ago. Find out more about being a member of Police Mutual and keep up to date with our latest news by visiting policemutual.co.uk

6 Looking after our own The Police Mutual Foundation was launched in 2011 to support the welfare of Police Officers and Staff across the country. The Foundation is a long-term initiative that will beneót those in need of extra help, through targeted, practical support where there are, or are likely to be, financial challenges and risks for members of the Police Service. The aims of the Police Mutual Foundation are to: Support the Police Service at a time of increasing financial risk and hardship for its members Deliver benevolent and financial welfare services during the good times as well as the bad times Provide tangible and practical help for members of the Police Service and the wider Police Family Offer insight on a range of issues which may impact Officers and Staff through dedicated research projects Promote awareness of the key issues affecting the Service and assist in force collaboration to deal with these issues Support other organisations such as Police-related charities and benevolent funds To find out how we can help or for more information about the Police Mutual Foundation Visit: policemutualfoundation.co.uk Your savings Your investments Your car insurance Your home insurance Your retirement Your mortgage service Your welfare Your Police Mutual Police Mutual Assurance Society Limited is an incorporated friendly society authorised and regulated by the Financial Services Authority. Police Mutual is a trading name of Police Housing Fund Limited, which is an appointed representative of the following companies which are authorised and regulated by the Financial Services Authority for advising on and arranging the following: Mortgage Advice Bureau Limited for mortgages. Mortgage Advice Bureau (Derby) Limited for insurance. Registered in England number The Registered Office for each company is Alexandra House, Queen Street, Lichfield WS13 6QS. Roland Smith Limited is a wholly owned subsidiary of PMAS authorised and regulated by the Financial Services Authority and is registered in England & Wales No Registered Office: 1st Floor India Buildings, Brunswick Street, Liverpool L2 0XH. Car and Home insurance is arranged by our subsidiary Roland Smith who provide access to a range of insurers for car insurance and the home insurance is provided by Aviva Insurance UK Ltd. For your security, all telephone calls are recorded and may be monitored. Calls provided by BT will be charged at up to 4 pence per minute at all times. A call set-up fee of up to 8 pence per call applies to calls from residential lines. Mobile and other providers charges may vary. MAB4111 MEMBERBEN 0712

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