
COMING TOGETHER TO ADDRESS COMMON ECONOMIC, SOCIAL AND CULTURAL NEEDS
About Mutuals
A mutual is a co-operative when each member has one vote and the organisation is guided by the seven co-operative principles.
Defining Mutuality explains what co-ops and mutuals are and how they fit together as a unified sector.
Examples

APS Benefits Group
The APS Benefits Group is a mutual which offers financial, legal and insurance products and services to more than 30,000 members and clients Australia-wide.
Year established: 1905
Type: Mutual
Industry: Banking & Financial Services

Australian Unity
Australian Unity is a national healthcare, financial services and independent and assisted living organisation with over 7,000 employees providing services to nearly a million Australians, including around 260,000 members nationwide. Australian Unity’s retirement communities assist over 3,000 older Australians to continue to live as independently as possible in communities with friends and supports. Australian Unity’s history as an independent mutual dates back 175 years.
Year established: 1840
Type: Mutual
Industry: Healthcare, Insurance & Risk Protection, Private Health Insurance

Avant Mutual
Avant has been protecting doctors in Australia since 1893, providing medico-legal advice and defence services for over 78,000 members. Our unshakeable belief in supporting quality, safety and professionalism in medicine, is borne out through advocacy, education and funding members’ research. Products and services in the areas of insurance, wealth, legal and practice management are created exclusively and designed specifically for doctors’ professional and personal needs, and delivered through 400 staff across the country.
Year established: 1893
Type: Mutual
Industry: Insurance & Risk Protection, Private Health Insurance