Friends First is one of IrelandÕs oldest and most established Life Assurance companies, meeting the financial needs of our customers since 1834. We have over 276,000 customers and employ 300 people in Ireland. Friends First provide leading protection, retirement and investment solutions which are tailored to your individual needs and will provide you with the required benefits when needed most. Friends First is a financially strong life company, managing total assets of Û4.7bn and generating total premiums of Û458m in 2014. We are fully owned by the Dutch Insurance Group, Achmea, one of EuropeÕs leading insurance companies. Achmea was founded in the Netherlands in 1811 as a mutual insurance company with strong co-operative roots owned by its customers. It now operates in 5 European countries and Australia. Learn more about Achmea www.friendsfirst.ie/about-achmea/ Friends First are Recognised For Excellence at the 5 Star level by EFQM (European Foundation of Quality and Excellence). We have recently been awarded the 2015 Ireland Excellence Award. Friends First Life Assurance Company is regulated by the Central Bank of Ireland.