Held on 15/16 October at The Chesford Grange, Kenilworth, the theme of the 2018 Conference was 'The Loyal Company', which recognises the need for building a successful mutual of lasting relationships with customers, owners, employees, suppliers and the communities in which we operate.  A short video, which draws together these key ingredients, is available to view and download by clicking on The Loyal Company image.

The two-day programme provided a good opportunity to network, to share insights and knowledge, and to hear from key speakers from regulation and industry about their thoughts on topical content for the financial services/mutuals sector. [Conference brochure]

Slides from the event are available to download below:

Conference session title Speakers' slides Additional resources
Re-envisioning the appeal of the sector to consumers

Bob Andrews, Benenden Health

Richard Marshall, WTW

Hugh Karp, Nexus Mutual

Governance as a Springboard to Success

Andrew Dyer, PRA

Christopher Critchlow, OAC

Iain Clark, British Friendly

Martin Shaw, AFM

The Loyal Company

AFM Consultation 

AFM Members Staff Survey

Guest Speaker

Rob Forkan, Gandys (to follow)

Culture and a commitment to the right working environment

David Blunt, FCA

Paul Harwood, Holloway Friendly

Ian Hitt/Kate Nicholls, Agile Human

Guest Speaker  Iona Bain, Young Money Agency  
The wider operating environment

Matt Christensen, AXA IM

David Webster, Duncan MacMillan Hospice

Paycare 'The Loyal Company' manifesto
Adding value by working with partners

Steve Dixon, SDA

Mike Perry, PG Mutual

AFM Accelerate and Stepping Up programmes

If you would like slides from any of the breakout sessions, please email For CBT's breakout session on Managing Mental Health at Work, please contact Antony Brown at CBT Clinics directly.  During the event, results from an IT survey for AFM run by Spark Data Systems were released, and a copy can be found here.

Slides from the AGM are available here. For a detailed account of AFM activities in 2017/2018, see our Operational Report.


The 2017 AFM conference and AGM was held on 16 and 17 October, at the Crowne Plaza Strateford-upon-Avon.  The theme of this year's event was "Our customers, our future", and during the event we explored the subject via a wide range of case studies and insights into how mutual and not-for-profits are successfully growing their business by a focus on the best interests of the customer.

Slides and papers launched during the conference are available to download:

Session Presentation Other
Wider landscape for mutuals

Frank Field MP (no slides)

Ed Mayo, Coops UK: top five issues for coops

Keith Wade, Schroders: economic landscape

J Haward, Independent Audit: board culture

Benefits to the welfare state of mutuality OAC slides Paper
Implementing PRIIPs and KIDs Zenith acturial slides to follow  
Benchmarking SFCRs SDA LLP slides  
NEW AFM Guide to GDPR working group slides Guide
Making Insurance more customer centric

Anthony Hilton (no slides)

Heloise Rossouw, WTW: customer centric insurance

Iain Clark, British Friendly: mutual benefits

Peter Westall (Midcounties Co-operative): using values to drive service

Our customers our future

Cary Wakefield: changing customer needs

Julian Wells, Whitecap: fintech strategy

Jason Whyte, EY: robo-advice

Damian Stancombe, Drumroll Creative: workplace well-being

Managing your cybercrime risks Sheila Pancholi, RSM  
Alternative Investments for mutuals Slides from LGT Vestra, Investec and Schroders  

Slides from the AGM are attached here.  For a more detailed account of AFM activities in 2016/17, see our Operational Report.  Minutes of the AGM are published here.  

We've selected here some photos from the conference.  A full set of photos can be downloaded via this link.

For more information on the event, see:


The 2016 AFM conference and AGM was held at the Holiday Inn, Stratford-upon-Avon, on 10th and 11th October.  Around 200 people from across the sector gathered to enjoy an event filled with positive talk about the sector and a thorough view of the operating environment.

The theme of this year's conference was "Together Towards Tomorrow", and the event was divided into six main sessions, and slides are attached to download:

Selected images from the conference are now available, and our October newsletter covered the event in full and include interviews with participants, the minutes of the AGM and news from the sessions.


The 2015 AGM and conference was held on 12 October, at the Lancaster London Hotel.  The theme for the event was "The future of mutual insurance"

Slides from the event are available to download:

Plenary 1: Capital and Governance: Chaired by Fiona McBain, Scottish Friendly

Andrew Bulley,PRA “Solvency 2 and beyond

Peter Hunt, Mutuo mutual deferred shares

Scott Eason, Barnett Waddinghaminvestment performance

Robert Wharton, Keystone Lawmanaging performance

Plenary 2: The Consumer Perspective: Chaired by Stephen Mann, Police Mutual

  Bob Martin,FCA “the new FCA Approved Persons Regime

James Daley, Fairer Finance improving accountability to consumers

David JackmanInto The Clearing “corporate maturity and consumer outcomes

Major General Sir Sebastian Roberts and Paul Koronka, The Military Mutual “new mutuals for affinity markets

Plenary 3: Big Picture Mutuality: Chaired by Alan Goddard, Cornish Mutual

           Daniel TischerManchester University “collaboration as source of competitive advantage

           Steve BarryICMIF “leading in a new world

  Roy Jubraj, Accentureimpact of technology on insurance


The 2014 AFM Conference and AGM was held on 14 October, at 30 Euston Square, London.  The theme for the event is "Leaders in Mutuality".

Slides from the event are available to download below, and other resources are being added over time.

Other resources you might be interested in:

The video taken of the 2014 Conference can be viewed below.

AFM final cut from redtagdm on Vimeo.



The 2013 AFM Conference and Annual General Meeting had the theme "MAKING MUTUALITY MEANINGFUL" and was held at Heythrop Park, Oxfordshire, between 15 and 17 October.  

Slides summarising voting during plenary sessions now available here.

For full reports on the various events and for interviews with attendees, go to the AFM news desk.

Slides from the main plenary sessions:

Other presentations are available on request.  Minutes from the AGM and our latest accounts are available via the AGM tab.


Here is a video from the event:


The 2012 AFM Conference and Annual General Meeting was held at The Belfry, West Midlands, between 16 and 18 October.

Slides from the conference are available to view below*:


- Wednesday 17 October

    Mark Goodale, Reliance Mutual

    Will Davies, measuring Mutuality

    John Thirlwell, Risk Management

    Douglas Rouse, Save the Children

    Paul Merrey, Strategic assement of the sector

- Thursday 18 October, Warwick Suite

    - Georgesons/ Redtag/ Computershare, member consent

    - Steve Dixon llp, OAC, D&G, Solvency II

    - Partner Re, Gender Directive

    - Gary Morley, Approved Persons

- Thursday 18 October, Sutton Suite

    - Joelle Warren, Diversity Policy

    - Hazel Hodge, Creating a gold medal winning board

    - Ray Tidbury, Corporate Governance reporting

    - Robert Wharton, Board remuneration in AFM members

- Thursday 18 October, Worcestor Suite

    - IPSI, strategies for growth and efficiency

    - Quilter/ Investec/ Sanlam, investment managers

* Slides presented by Bob Martin on the FCA are posted on the FSA website: to view, follow this link.  

The attached paper replaces the slides from SMP Consultants.