LVFS are a leading financial services provider and a mutual, employing over 1,500 people. Our customers hold a variety of products with us including insurance, investment and retirement solutions. Mutuality goes back to the early days of insur- ance when people paid into a fund to share the risk. The benefit then went back to the people who needed it. Today we are a very modern mutual, but the principles remain the same, and we still exist to create value for our mem- bers. Being a mutual means more than just an ownership structure to us. We have spent the last decade transforming LV= into the successful and profitable mutual we are today, a business with a special place in the financial services market. We have built a strong and well-respected reputation and cou-pled with

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