• Children’s Mental Health Week

    Children’s Mental Health Week

    Children’s mental health week is run through Place2Be, a children’s mental health charity that provides counselling, support and training in UK schools. The first Children’s mental health week was held in 2015 and was set up to highlight the importance of children and young people’s mental health. This year’s theme is Express Yourself and will be running during 1 to 7 Feb. This week is about finding ways to share feelings, thoughts and ideas through creativity. Finding a way for children to feel good about themselves. For more details of Children’s mental health week, click here.

    According to Place2Be around one in six children and young people have a diagnosable mental health problem, which may continue into adulthood. 50% of adults with lifetime mental health problems first experienced symptoms by the age of 14.

    Like adults, the emotional wellbeing of children and young people is just as important as their physical health. Good mental health will allow them to develop the resilience to cope with life’s ups and downs and to grow into well-rounded, healthy adults.

    Most children grow up mentally healthy, but surveys suggest that more children and young people have problems with their mental health today than 30 years ago. It’s suspected that this is probably because of changes in the way we live now and how that affects the experience of growing up.

    Some of the mental health problems that can affect children and young people are:

    • Depression is more common in teenagers than younger children, but affects more young people today than it did a few decades ago.
    • Self-harm is where somebody intentionally damages or injures themselves. It is a common problem amongst young people.
    • Anxiety can be triggered when changes happen in children’s lives, for example, changing schools. If anxious thoughts affect a child’s every day thoughts and behaviour, they may need professional help.
    • Eating disorders is when you have an unhealthy attitude to food, types include anorexia nervosa or bulimia nervosa. The condition is most common in young women aged between 13 and 17.
    • Attention deficit hyperactivity disorder (ADHD) is a condition that affects your behaviour and those with it tend to be restless and struggle to concentrate.
    • Post-traumatic stress disorder (PTSD) is a disorder caused by an extremely frightening or stressful event or situation, for example, physical abuse, witnessing or being the victim of violence or extreme bullying.
    • being in good physical health, eating a balanced diet and getting regular exercise
    • having time and the freedom to play, indoors and outdoors
    • being part of a family that gets along well most of the time
    • going to a school that looks after the wellbeing of all its pupils
    • taking part in local activities for young people
    • feeling loved, trusted, understood, valued and safe
    • being able to enjoy themselves
    • being able to learn and having opportunities to succeed
    • accepting who they are and recognising what they are good at
    • having a sense of belonging in their family, school and community
    • feeling they have some control over their own life
    • having the strength to cope when something goes wrong and the ability to solve problems

    As a parent you can help your child by having an open relationship, which encourages your child to talk to you if they are troubled. Listening and taking their feelings seriously is the most important way you can help. They may just want you to listen or to have a hug, or they may want more practical help.

    If you child’s negative feelings don’t pass over time, you may want to consider obtaining some professional help, initially talk to you GP and see what they suggest. It’s also a good idea to talk to your child’s teacher at school, to establish if how they are feeling is affecting their school work or friendships. They may have a school counsellor that your child can talk to. Different professionals often work together in Child and Adolescent Mental Health Services (CAMHS) run through the NHS.

    During the Coronavirus Pandemic children and young people need more emotional support than ever.

    It’s important to minimize the negative impact the pandemic is having on your children. You can do this by explaining the facts to them, answering their questions truthfully and being there to support them.

    Like adults, children will respond to the current situation in different was, such as being more clingy, anxious, withdrawn, angry or agitated. Remember to listen to your children and re-assure them. Keep routines where possible or create new ones, building in time for learning, play and relaxation.

    The best way to communicate to your children is by talking about worrying news with open, confident, clear and truthful facts. Here are some helpful tips:

    • News – the important thing about seeing or hearing the news is balance. Don’t force children news or shield them from it. Discourage overexposure, small doses of real life news are helpful, whereas large doses may have a negative impact on children.
    • Questions – answer you children’s questions truthfully and let them know the facts about the situation. It is common for children to have misunderstandings about traumatic events so encourage them to ask lots of questions, so you can correct any confusion. If you don’t know the answer to a question they ask you, explain this to them and then find out the answer and let them know.
    • Support – make sure you are there to support your children and let them know they are safe and loved.
    • Worry – let them know that it is normal to be concerned. Let them know that bad things can happen, but they don’t happen very often, so they do not need to be scared.
    • Time – ensure you find the right time to talk about what is worrying your child. If your child starts asking questions at an inconvenient time explain to them that you would like to talk to them about it later and invite them to remind you, so they know you really are interested.
    • Repetition – remember that children tend to repeat themselves when they are feeling uncertain or worried. They may need to ask the same question a number of times until they are feeling more reassured.
    • Truthful – be as truthful as possible. It can be tempting, when children ask a direct or tricky question, to avoid it by bending the truth. This can be unhelpful when they are talking to others about what happened. It is often more helpful to be as honest as possible.
    • Age appropriate – tailor the conversation to their age. All children have different temperaments and sensitivities. Their ability to understand the world, take in and react to bad news will depend on their age. If you have more than one child, you might want to talk about the news with them individually and tailor what you say to their needs and level.

    At the end of each day talk about the things in the day that you have been grateful for, it will very quickly become a habit and help children to find the positive, no matter how small, in even the worst of days.

    ChildLine

    YoungMinds

    Contact a Family

    Family Lives

    Bernardo’s

    NHS

    Mental health foundation

    Penumbra (Scotland)

    CALM (Campaign Against Living Miserably)

    PAPYRUS (Prevention of Young Suicide)

    Children and Young People’s Mental Health Coalition (CYPMHC)


    Useful links:

    Childrens guide to coronavirus

    Storybook for children affected by coronavirus

    Helping children to cope with stress

    Coronavirus advice and support for parents and families

    List of online educational resources for home learning

    Ideas to help fight boredom

  • How to keep your phone protected

    How to keep your phone protected

    Mobile phones and smartphones are an essential part of our lives. They provide precious contact with family when away from home, keep you up-to-date on all the latest news (and gossip) and allow you to keep on top of your finances without having to go to a bank branch. But, as a consequence of our phone’s being with us at all times, it means there’s more chance it can get damaged. Having to repair or replace a phone can be expensive, so we’ve put together some handy tips for keeping your phone and personal information stored on your phone safe:

    1. Invest in a screen protector and case
      The more technology they put on our phones the bigger they seem to get. Which means there’s also a bigger chance of scratching your screen or damaging the phone. An affordable way to help prevent this is to invest in a screen protector and case.
      A sturdy phone case will not only improve your grip on the phone (making it more difficult to slip through your hands), it will help protect your phone from damage and scratches if you do end up dropping it.
      Screen protectors are also a good purchase as they help preserve your phone’s touchscreen sensitivity.
    2. Keep your phone dry
      Whilst phones are more resilient to a little water than ever before it doesn’t mean you should be taking it for a dip anytime soon. You should still take precautions to protect your phone from water damage. If it’s raining or snowing heavily make sure you keep your phone securely in a bag or inside pocket of your coat. Better yet – a waterproof or water resistant case is another way to keep the water away.
    3. Protect your phone from extreme temperatures
      Your mobile can be a sensitive creature and can have trouble if it becomes too hot or too cold. Exposing your phone to the extremes in temperatures can harm internal workings like the battery and can lead to data loss or needing a new phone altogether.
      The best way to avoid temperature damage is to treat your phone like you would yourself. You wouldn’t go outside on a cold, winter day without your coat, hat and gloves on – so make sure you keep your mobile wrapped up and warm in a bag or your inside pocket. Similarly you wouldn’t stay in the baking sun without sun cream – so keep your phone in the shade and out of the heat.
      If your mobile does overheat or freeze it’s important you allow it to get back to a normal temperature gradually. Don’t blast a hair dryer on your cold phone for example, as this can cause condensation to build up inside your device which can then cause water damage. The best thing to do is to allow your phone time to adjust gradually back to room temperature.
    1. Downloading apps safely
      Dangerous malware often get its way onto your phone via illegitimate apps downloaded from third-party app stores. So it is always best to use the official app stores when getting a new app – that’s the App Store for iOS users, Google Play for Android phones or any other official app store you clearly recognise.
      It might also be worthwhile investing in a mobile security app. They are designed to keep your phone clear of malware and to stop you becoming victim to phishing scams. There are even apps designed to help you identify your phone’s location and to block unauthorised access to your personal data if it gets stolen.
    2. Be cautious when using public Wi-Fi
      It might seem like a no-brainer to use available Wi-Fi when you’re out and about to save on wasting your data. Unfortunately these free networks can be open invites for hackers to steal your personal information including your logins, passwords and financial information. So it’s always best to stay off your online bank account or from using your debit or credit card if you do use public Wi-Fi. If you’ve got no choice but to, it’s best to just use your data instead – it’s the safe option!
    3. Keep things private
      We’ve already talked about the importance of getting a screen protector to ensure your screen is scratch free, but they can also be perfect to keep your details private too. Privacy screen protectors are designed to keep your screen black to prying eyes trying to look over your shoulder. They have side-view filters so only you can see your screen, perfect if you have to access your online banking out in public (using a secure Wi-Fi connection of course!).

    While you can do everything in your power to keep your phone damage free, accidents will still happen. So it’s always smart to have your phone insured just in case. Forces Mutual Kit & Personal Possessions Insurance covers your mobile for accidental loss or damage, as well as your service issued kit and accommodation. Find out more about Kit & Personal Possessions Insurance here

    Kit & Personal Possessions Insurance is provided by Ageas Insurance Limited.

    PMGI Limited, trading as Forces Mutual is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 114942. Registered in England & Wales No.1073408. Registered office: Brookfield Court, Selby Road, Leeds, LS25 1NB. For your security, all telephone calls are recorded and may be monitored.

  • Transfer to Royal London completes

    Transfer to Royal London completes

    Following regulatory approval, we are delighted to announce that we have today completed the transfer of the Police Mutual group of companies to The Royal London Mutual Insurance Society Limited (Royal London).

    As you are aware, Forces Mutual is part of the Police Mutual group of companies which have transferred to Royal London.

    The transfer was approved by the Prudential Regulation Authority on the basis that it is satisfied that it is in the interests of members, taking into account any concerns raised during the member and customer representation period.

    Here is a short welcome video from Jerry Toher, Chief Executive of the Consumer Division at Royal London:

    https://youtube.com/watch?v=vhMsLCqGgmQ%3Frel%3D0
    https://youtube.com/watch?v=vhMsLCqGgmQ%3Fsi%3DyctG5Hn3M82hYd1k

    Becoming part of Royal London provides a sustainable future for the Police Mutual group of companies as part of a larger, stronger business and preserves what our customers value most about Forces Mutual.

    Our mutuality is an important part of who we are.

    Like us, Royal London is a non-shareholder organisation, founded on strong ethics and values, where profits are reinvested to create financial and social returns for members, customers and the wider community.

    The transfer to Royal London provides a strong financial base for our business, along with a broader business mix and wider range of products for our customers.

    Royal London is committed to the Forces Mutual and Police Mutual brands.

    Today’s news will enable us to continue to serve, and improve the financial wellbeing of, our customers in the Military family for the long-term.

    Partnering with the UK’s largest mutual life, pensions and investment company provides the opportunity to create better customer offerings and allows improvements to service and propositions, as well as providing wider support for the Military family.

    As a reminder, the terms of existing products do not change. There will be no change to the contractual benefits for any policyholders as a result of the transfer.

    Naturally, over time and in the future, products and services will evolve and change to meet market needs.

  • Proposal for Police Mutual to become part of Royal London

    Proposal for Police Mutual to become part of Royal London

    As you are aware, Forces Mutual is part of the Police Mutual group of companies. Police Mutual is proud of its long heritage serving the Police family and is ready to take the next vital step in its journey.

    That next step is a proposal that the Police Mutual group of companies become part of The Royal London Mutual Insurance Society Limited (Royal London), the UK’s largest mutual life insurance, pensions and investment company. Royal London is a strong mutual organisation that has committed to our goal of improving the financial wellbeing of the Military and Police families.

    Policies unchanged
    The terms and conditions of your policies will not change as a result of the proposal.

    Better offerings
    The proposal would make us part of a larger, stronger business that has a broader business mix and offers a wider range of products. This partnering with the UK’s largest mutual insurer gives the opportunity to create better customer offerings and allow improvements to service and propositions and wider support for the Military and Police families.

    Next steps
    We will write to our members and customers with more information in mid-June, following a vote on the proposal by our network of Police Mutual member representatives in all the Police forces across the country.