Our History

Over 45 years of providing products and services our members can trust

Two longstanding mutuals with similar values – Engage Mutual and Family Investments – merged in 2014 to become OneFamily.

Collectively, we’ve always had one simple aim – to listen to our customers’ needs and support them through their financial lives, with a clear purpose of creating and protecting value and providing products and services they can trust.

OneFamily continues with this ethos. We’re a modern mutual, owned by our members for our members and doing what’s right by them is at the heart of our business.

From our award-winning, simple to understand products designed for modern families to championing education and financial resilience for our members, we are proud of our mutual heritage over the past 45 years.

Our Communities

We’ve always been passionate about supporting our members and their communities.

Our award-winning community programme, which ran during the 1990s, was focused on our desire to give something back to the community – one of the first principles of mutuality.

We worked with a range of community groups, charities and schools over the years, supporting wildlife charities, homeless people and local schools and colleges to name a few.

More recently we launched the OneFamily Foundation in January 2014, providing grants to our members and to good causes in their communities. We’re proud to have awarded over £4 million since 2015. You can read more about our community work here


Our products

Mutual societies began in 1775 to provide a common fund for members to rely on during times of financial need, in the absence of state benefits. This ethos has endured at OneFamily and we have a history of providing products that are accessible to everyone - regardless of how much money you have to invest.

Our products aim to give more people the opportunity to save, regardless of their circumstances.

Out First Family Bond was sold in 1975, with minimum monthly contributions of under £6 per month through to the mid 1980's

You can still invest with us today with Junior ISA contributions starting from just £10 a month

Our guaranteed acceptance life insurance products don't require medical underwriting and have offered a simple way for members to protect themselves and their families for almost 20 years

Our ethical and sustainable roots:

We have a long history of providing ethical and sustainable investments.

  • Our Family Charities Ethical fund launched in 1982. It aims to avoid investing in things such as ozone-depleting chemicals, intensive farming and cosmetic testing on animals
  • We’ve provided a wide variety of ethical and sustainable investment products over the years, including Child Trust Funds, ISAs PEPs and Unit Trusts
  • In 2020, we launched our new climate-friendly investment ISAs that help to make a difference to the environment

We've always believed it's important to provide products that invest your money in the right way - in companies that are working towards more sustainable business practices.

Find out more about our climate friendly investments.

Ethical and sustainable roots

Over 45 years of mutual history with our members



Family Assurance Friendly Society begins


Family Bond launched


Homeowners Friendly Society is established



Family Charities and Ethical Fund launched


Awarded both regional and national ‘Employees in the Community Award’


Our first ISA product is launched

Family Investments is formed


Recognised with a national award by Business in the Community - Community Investment Programme ‘Working Together’ for The Neighbourhood Renewal Award


Family Charities Ethical Trust Won Lipper Leaders 2000 high performers award


Family Investments is formed - Family Assurance is renamed as Family Investments

Family Investments is formed


Engage Mutual Assurance is formed - Homeowners Friendly Society is renamed Engage Mutual Assurance.


Ethical Child Trust Fund launched - providing the only actively managed ethical stakeholder Child Trust Fund on the market


Over 500,000 Child Trust Fund accounts managed


Over 2 million customers with policies

Engage Mutual further recognised for outstanding commitment to its staff by achieving Investors in People (IIP) Champion status.


Peer Awards for Excellence (Engage Mutual) – won four awards, including Customer Engagement, Voice of the Customer, overall winner of the Financial Services Sector and the overall ‘impact’ award

OneFamily is formed in 2015


OneFamily is formed - Family Investments and Engage Mutual merge to become Onefamily

OneFamily is formed in 2015