Insurance · Wealth · Advice
Looking after our members for the long run.
Stillwater Mutual is owned by the 1.2 million members we serve across Australia and New Zealand — not by shareholders. That changes who we answer to, and how we make every decision.
Our storyWhat we do
A full house of protection and advice, built around the people who own us.
General insurance
Home, contents, motor and commercial cover assessed and settled by our own claims teams — not outsourced offshore.
Life & health
Income protection, life and trauma cover designed to pay when members need it, with advice that stays in plain language.
Advice & managed funds
Personal financial advice and member-first managed funds, overseen by an investment team that reports to members.
Proof, not promises
Illustrative figures shown for this demo brand.
“We don’t have shareholders waiting on a dividend. The surplus goes back into cover, into advice, and into the people who answer the phone.”
— Illustrative member statement