National Insurance number
The National Insurance number is used as a reference number in the Pay As You Earn system, and also by the self-employed. It is also used in applications for Individual Savings Accounts (ISAs), to check that an individual has opened only one ISA in a tax year.
NFU Mutual
The National Farmers Union Mutual Insurance Society Limited, trading as NFU Mutual, is a UK registered mutual insurance composite. It underwrites more than £1 billion (2008) in annual premium in life and general insurance lines for rural communities within the UK. NFU Mutual is based in Stratford-upon-Avon, Warwickshire. In contrast to insurance companies owned by their shareholders, NFU Mutual is owned by its policyholders.
Unlike most other UK insurers, NFU Mutual sells its policies predominantly through a network of tied agents which are located mainly in rural areas. At the end of 2014 NFU Mutual had 639 (2013: 655) NFU Mutual Agents working out of 319 (2013: 323) offices. NFU Mutual employs around 3,800 people throughout the UK. This network enjoys a close relationship with the National Farmers Union (NFU). In 1909 the NFU Mutual was formed to offer insurance as an inducement for farmers to join the NFU. Many of the agents double as local union representatives. Many agents are self-employed and all are tied to NFU Mutual products.