Making a differenceImproving the lives of the Military family is at the heart of everything we do

Forces Mutual has been supporting the UK Military for over 30 years, offering insurance, money and travel products and services tailored to Military personnel and their families.

As part of a not-for-profit organisation, Forces Mutual aims to improve the lives within the military market, through the Forces Mutual Foundation.

Improving the lives of the Military family is at the heart of everything we do and, with no shareholders, it means our focus is firmly on the people who protect us.

We use our not-for-profit status to not only make sure our products are keenly priced but also to fund other initiatives which support our Military personnel in ways that make a positive difference to them and their families.

What is wellbeing?

Wellbeing can be defined as feeling good about yourself - having the confidence to face your day, feeling able to cope when things go wrong and being resilient to changes outside of your control.

If you feel good about yourself and the job you're doing, you'll probably make a better impact on the people you're surrounded by - not just your family but the people you engage with on a daily basis

There are a number of elements that contribute to how we feel and, if one element isn't quite right, it can have a negative effect on our overall wellbeing. At Forces Mutual, we think about wellbeing from the following perspectives:

We believe that having Armed Forces personnel who feel positive about themselves has to be good, not only for individuals and the Military but also for society as a whole.

PDFRead the full 2017 review


Read our overview below

Financial Wellbeing

Financial wellbeing

Financial health isn't just about the amount of money you have.

It's a much more holistic view of your financial circumstances. How satisfied you are with your standard of living; whether or not you're free from financial stress and debt, how well you manage your money on a day-to-day basis, whether you're saving for the future and how able you feel to cope with emergency or unforeseen expenses, all contribute to your level of financial wellness.

  • Over 400 Military Foundation presentations were delivered in 2017, offering financial information and guidance to individuals including Officer Cadets, recruits and soldiers from the PRUs.
  • Around 7,000 Military personnel attended financial education sessions. Many were prompted to take further action to improve their financial wellbeing as a result.
  • 93% of clients asked, rated our mortgage advice service outstanding or excellent in 2017.
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Physical Wellbeing

Physical wellbeing

A dictionary definition of physical fitness is 'the state of being physically sound and healthy, especially as the result of exercise, nutrition and sleep'.

For serving personnel, achieving and maintaining a high level of physical fitness is essential. And staying active also plays a significant role in improving overall wellbeing. It can lift your mood, reduce stress, help you deal with negative emotions and anxiety and reduce the risk of depression and dementia1.

And the choices we make today around physical activity, diet and rest, can affect our health in later life, as well as how well we cope with whatever challenges we face in the present.

Here are just some of the ways we try to help:

  • On average, a member of our healthcare scheme will start their treatment with us 14 weeks earlier than through the NHS.
  • Since the launch of our healthcare scheme to the Military in March 2015, an average of 62 new members join every month.
  • Over 2,000 members of the Armed Forces took advantage of our introductory offer of 12 months' free cover, each saving an average of £516 a year.
  • Over 8,500 Service personnel are covered by our Personal Accident insurance.
  • Over 14,000 Forces Mutual customers are benefiting from the Vitality programme.
  • 9.5 months2 of extra life expectancy is the average improvement for members over a 2 year period.

2 Vitality, March 2017

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Mental Wellbeing

Mental wellbeing

Mental wellbeing is just as important as physical wellbeing and it's essential to maintain both to stay fit, healthy and able to cope with the challenges everyday life may present.

Just as poor physical health can lead to an increased risk of developing mental health problems, poor mental health can negatively impact on physical health, leading to an increased risk of some conditions. For example, people diagnosed with depression have a 67% increased risk of death from heart disease and a 50% increased risk of death from cancer1.

We recognise the great work undertaken by the MoD to promote mental wellbeing and mitigate risks to health, with personnel encouraged to adopt a lifestyle which improves their health and enhances wellbeing - and we're keen to help:

  • We've helped a number of families take much needed time out on respite breaks.
  • "Another area we find of benefit from Forces Mutual, is finding locations for respites for vulnerable soldiers suffering from PTSD and those struggling to cope with the normal daily routine... They all return refreshed, with a clear mind and ready to start planning the next phase of the recovery process."
    Personnel Recovery Officer
  • "The trip was a chance for us all to take a step out of the hospital appointments and just enjoy being a family... Thank you for your help and support Forces Mutual, as without your help these memories would not be possible."
    Army family
  • "My family and I were suffering, with work always taking a priority... Forces Mutual has given us a new lease of life by sending us away on a respite package. Thank you team - both my wife and I cannot thank you enough for changing our lives."
    RAF family


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Community Wellbeing

Community wellbeing

Working and living closely with each other brings people together, something which makes the Armed Forces a particularly tight-knit community.

The strong sense of camaraderie between personnel is crucial for a successful Military unit and extends well beyond the day job. From sharing training and work experiences, to socialising and playing sport together, this is a group of people who take care of each other both on and off duty.

Here are just some of the ways we demonstrate our on-going commitment to helping the Armed Forces community:

  • In 2017 we celebrated Armed Forces Day and Reserves Day by recognising unsung heroes across the Armed Forces family who have gone above and beyond. We asked for nominations of someone in the Armed Forces who deserved recogntion and we donated £1,000 to the winning entry, shared between the chosen Hero and their nominee.
  • In 2017 we actively supported over 60 sports events and teams at unit/base level, including over 25 boxing events, sports awards dinners and the winning team at the Royal Navy Field Gun competition at HMS Collingwood.
  • We were proud to continue our support of the Army Ladies Hockey team as they travelled to New Zealand to represent the British Army at the World Masters Games in April 2017.
  • We're pleased to sponsor Row2Recovery's Team Trident - 3 legs, 2 men, 1 huge endeavour - in what's considered to be the world's toughest row - the Talisker Whisky Atlantic Challenge 2017.
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