As a mutual society their members own them. They exist for their benefit alone; there are no shareholders to siphon off the profit their investments generate. They can cater for many of your financial needs, from savings to insurance.

Legal & General offers many options for investing in an ISA (Individual Savings Account) meaning you can shelter up to £7,200 each tax year from personal income and capital gains taxation. Choose from a range of different types of investment including index-tracking ISAs or actively managed ISAs. Start your ISA online today from £500 lump sum or £50 a month.
Remember your investment is not guaranteed, the value may fall as well as rise and the current tax situation may change in the future. [Legal & General ISAs]

Open a Trading ISA with TD Waterhouse and if you have a balance of £3,600 or more in your ISA we will not charge you an annual admin fee. You can invest up to £7,200 in a qualifying year without paying tax* on what you earn from your investment. *Tax laws may change. [TD Waterhouse Trading ISA]

Pay a single, flat annual account fee of £25 including VAT for all self-select ISAs that you hold with us. Invest in a wide range of instruments: UK and international equities, unit trusts/OEICs, Gilts and corporate bonds. Pay a flat £12.50 per trade online and by phone. Purchases of UK-listed exchange traded funds are commission free. [selftrade Self-Select ISA]

The Virgin Climate Change Fund is an environmental fund with a difference. It’s an actively managed fund investing in select companies driving outstanding profit growth who are also environmental leaders in their industry. Unlike typical ‘environmental’ funds, our fund invests in all industries and sectors offering high-growth opportunities. You have access to fund managers only usually available to high net worth investors and large institutions with millions to invest. Managed by world class fund managers with a proven track record of high returns. [Virgin Climate Change Fund]

If you are a UK taxpayer and you hold any savings or investments, you should consider an ISA – it is as simple as that. With regular use of your full annual tax-free allowance, you can build up funds for the nicer things in life. [Barclays Investment ISA]

Request free ISA brochures from leading ISA providers. Now is the time to start looking at your 2004/2005 ISA allowance. Request your free ISA brochures to be delivered right to your door from leading fund managers and online brokers. [ISA Brochures]

For over 90 years, NFU Mutual has been the name trusted by people who value the countryside. Building on traditional farming heritage, NFU Mutual have grown and diversified to become the country's leading rural insurer, offering a wide range of insurance services to protect all the things you value; from your home and family to your pets and possessions. [NFU Mutual]

Scottish Widows for Life, Pensions and Investments, as well as savings, credit cards and mortgages. [Scottish Widows]

Active in UK banking and insurance through The Royal Bank of Scotland and Direct Line. Services include bank and savings accounts, credit cards and mortgages, life assurance and innovative investment products, motor and home insurance. [Royal Bank of Scotland]

The Sunday Times have recently proclaimed, '...IMIWeb (previous name) is so extraordinary. The dealing charge is just £10 whether you invest £1,000 or £10,000. And with no administration costs to pay, it represents the best value package on the market at the moment.' (Sunday Times 20/01/2002) [IWeb]