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What's a Mutual Capital Instrument?

Jen Storey
Jen Storey

Mutual companies are member-owned, public companies. Members are customers, who are also owners of the Mutual.

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What's an Aggregate Deductible Fund?

Jen Storey
Jen Storey

An Aggregate Deductible Fund (ADF) is a self-insurance pool of funds that is commonly used by buying groups to manage their risks. Buying groups are formed by collectives of companies, community groups, religious institutions, sporting organisations.

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What's a Discretionary Mutual?

Jen Storey
Jen Storey

A Discretionary Mutual is a mutual organisation that provides an insurance-like product known as risk protection.

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Why Mutuals?

Jen Storey
Jen Storey

A Mutual is a business structure that places customers at its heart.  While many organisations claim to put customers at the centre of everything they do, with a mutual business structure it’s a fundamental part of the legal structure. Mutual.

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Lloyd's Mask Created with Sketch. Lloyd’s approves Picnic Syndicate 2460

Lloyd’s approves Picnic Syndicate 2460

Mark Arnold
Mark Arnold

Mutuals have particular reinsurance needs due to their ownership structure and constraints in accessing additional capital. With the emergence of new mutuals, a reinsurer that understands these needs and is appropriately focussed is vital. To.

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