Scottish Mutual Assurance
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Scottish Mutual Assurance
Scottish Mutual Assurance was formed in 1883 as The Scottish Temperance Life Assurance Society, intended as the only life assurance company serving exclusively abstainers. It was renamed Scottish Mutual Assurance in 1951 and acquired by Abbey National in 1991. History Formation The Scottish Temperance Life Assurance was founded in 1883 in Glasgow Glasgow ( ; sco, Glesca or ; gd, Glaschu ) is the most populous city in Scotland and the fourth-most populous city in the United Kingdom, as well as being the 27th largest city by population in Europe. In 2020, it had an estimated popul ... as Scotland’s first insurance company, intended exclusively for total abstainers. Ironically, the founder, Adam Keir Rodger, was a brewer’s son. Rodger, self-taught, became a partner in a local accountancy firm at the age of 21. With his brothers, Rodger was an enthusiastic evangelist and his belief in the value of thrift led him to research the provision of insurance with the same dil ...
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Glasgow
Glasgow ( ; sco, Glesca or ; gd, Glaschu ) is the most populous city in Scotland and the fourth-most populous city in the United Kingdom, as well as being the 27th largest city by population in Europe. In 2020, it had an estimated population of 635,640. Straddling the border between historic Lanarkshire and Renfrewshire, the city now forms the Glasgow City Council area, one of the 32 council areas of Scotland, and is governed by Glasgow City Council. It is situated on the River Clyde in the country's West Central Lowlands. Glasgow has the largest economy in Scotland and the third-highest GDP per capita of any city in the UK. Glasgow's major cultural institutions – the Burrell Collection, Kelvingrove Art Gallery and Museum, the Royal Conservatoire of Scotland, the Royal Scottish National Orchestra, Scottish Ballet and Scottish Opera – enjoy international reputations. The city was the European Capital of Culture in 1990 and is notable for its architecture, cult ...
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Scotland
Scotland (, ) is a country that is part of the United Kingdom. Covering the northern third of the island of Great Britain, mainland Scotland has a border with England to the southeast and is otherwise surrounded by the Atlantic Ocean to the north and west, the North Sea to the northeast and east, and the Irish Sea to the south. It also contains more than 790 islands, principally in the archipelagos of the Hebrides and the Northern Isles. Most of the population, including the capital Edinburgh, is concentrated in the Central Belt—the plain between the Scottish Highlands and the Southern Uplands—in the Scottish Lowlands. Scotland is divided into 32 administrative subdivisions or local authorities, known as council areas. Glasgow City is the largest council area in terms of population, with Highland being the largest in terms of area. Limited self-governing power, covering matters such as education, social services and roads and transportation, is devolved from the Scott ...
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Adam Keir Rodger
Adam Keir Rodger (1855–1946) was Coalition Liberal MP for Rutherglen from 1918 to 1922. At the age of 27 he started the Scottish Temperance Assurance Society Limited (later known as Scottish Mutual Assurance). The business was launched due to Rodger's faith in temperance. The company nearly went bankrupt when its first policy holder died requiring a payment of £1000. The company later sold a policy to David Lloyd George David Lloyd George, 1st Earl Lloyd-George of Dwyfor, (17 January 1863 – 26 March 1945) was Prime Minister of the United Kingdom from 1916 to 1922. He was a Liberal Party politician from Wales, known for leading the United Kingdom during t ... and is now credited to launching the assurance business in Scotland.A History of life as we know it
''The Scotsman'', 21 February 2002. Re ...
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Sir William Collins
Sir William Collins (1817–1895) was a Scottish publisher, prominent in the temperance movement who served as Glasgow's Lord Provost between 1877 and 1880. He was the first fully abstaining Lord Provost of Glasgow and gained the nickname Water Willie. In politics Sir William was an advanced Liberal, and in ecclesiastical matters he was an adherent of the Free Church. Collins Street in Glasgow is named after him. Early life and education He was born in Glasgow on 12 October 1817. His father William Collins, publisher, was a highly respected citizen, well known far and wide by his affective advocacy of the temperance cause, of which he was one of the original promoters in Scotland, and also for his devoted labours in connection with the comprehensive and successful scheme for Church Extension throughout Scotland. His mother was Jane Barclay, and the family, besides William, consisted of a son and daughter, both of whom died in early life. Mr. Collins was educated in his na ...
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Edinburgh
Edinburgh ( ; gd, Dùn Èideann ) is the capital city of Scotland and one of its 32 Council areas of Scotland, council areas. Historically part of the county of Midlothian (interchangeably Edinburghshire before 1921), it is located in Lothian on the southern shore of the Firth of Forth. Edinburgh is Scotland's List of towns and cities in Scotland by population, second-most populous city, after Glasgow, and the List of cities in the United Kingdom, seventh-most populous city in the United Kingdom. Recognised as the capital of Scotland since at least the 15th century, Edinburgh is the seat of the Scottish Government, the Scottish Parliament and the Courts of Scotland, highest courts in Scotland. The city's Holyrood Palace, Palace of Holyroodhouse is the official residence of the Monarchy of the United Kingdom, British monarchy in Scotland. The city has long been a centre of education, particularly in the fields of medicine, Scots law, Scottish law, literature, philosophy, the sc ...
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Aberdeen
Aberdeen (; sco, Aiberdeen ; gd, Obar Dheathain ; la, Aberdonia) is a city in North East Scotland, and is the third most populous city in the country. Aberdeen is one of Scotland's 32 local government council areas (as Aberdeen City), and has a population estimate of for the city of Aberdeen, and for the local council area making it the United Kingdom's 39th most populous built-up area. The city is northeast of Edinburgh and north of London, and is the northernmost major city in the United Kingdom. Aberdeen has a long, sandy coastline and features an oceanic climate, with cool summers and mild, rainy winters. During the mid-18th to mid-20th centuries, Aberdeen's buildings incorporated locally quarried grey granite, which may sparkle like silver because of its high mica content. Since the discovery of North Sea oil in 1969, Aberdeen has been known as the offshore oil capital of Europe. Based upon the discovery of prehistoric villages around the mouths of the rivers ...
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Dundee
Dundee (; sco, Dundee; gd, Dùn Dè or ) is Scotland's fourth-largest city and the 51st-most-populous built-up area in the United Kingdom. The mid-year population estimate for 2016 was , giving Dundee a population density of 2,478/km2 or 6,420/sq mi, the second-highest in Scotland. It lies within the eastern central Lowlands on the north bank of the Firth of Tay, which feeds into the North Sea. Under the name of Dundee City, it forms one of the 32 council areas used for local government in Scotland. Within the boundaries of the historic county of Angus, the city developed into a burgh in the late 12th century and established itself as an important east coast trading port. Rapid expansion was brought on by the Industrial Revolution, particularly in the 19th century when Dundee was the centre of the global jute industry. This, along with its other major industries, gave Dundee its epithet as the city of "jute, jam and journalism". Today, Dundee is promoted as "One City, ...
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London
London is the capital and largest city of England and the United Kingdom, with a population of just under 9 million. It stands on the River Thames in south-east England at the head of a estuary down to the North Sea, and has been a major settlement for two millennia. The City of London, its ancient core and financial centre, was founded by the Romans as '' Londinium'' and retains its medieval boundaries.See also: Independent city § National capitals The City of Westminster, to the west of the City of London, has for centuries hosted the national government and parliament. Since the 19th century, the name "London" has also referred to the metropolis around this core, historically split between the counties of Middlesex, Essex, Surrey, Kent, and Hertfordshire, which largely comprises Greater London, governed by the Greater London Authority.The Greater London Authority consists of the Mayor of London and the London Assembly. The London Mayor is distinguished fr ...
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Birmingham
Birmingham ( ) is a city and metropolitan borough in the metropolitan county of West Midlands in England. It is the second-largest city in the United Kingdom with a population of 1.145 million in the city proper, 2.92 million in the West Midlands metropolitan county, and approximately 4.3 million in the wider metropolitan area. It is the largest UK metropolitan area outside of London. Birmingham is known as the second city of the United Kingdom. Located in the West Midlands region of England, approximately from London, Birmingham is considered to be the social, cultural, financial and commercial centre of the Midlands. Distinctively, Birmingham only has small rivers flowing through it, mainly the River Tame and its tributaries River Rea and River Cole – one of the closest main rivers is the Severn, approximately west of the city centre. Historically a market town in Warwickshire in the medieval period, Birmingham grew during the 18th century during the Midla ...
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Liverpool
Liverpool is a city and metropolitan borough in Merseyside, England. With a population of in 2019, it is the 10th largest English district by population and its metropolitan area is the fifth largest in the United Kingdom, with a population of 2.24 million. On the eastern side of the Mersey Estuary, Liverpool historically lay within the ancient hundred of West Derby in the county of Lancashire. It became a borough in 1207, a city in 1880, and a county borough independent of the newly-created Lancashire County Council in 1889. Its growth as a major port was paralleled by the expansion of the city throughout the Industrial Revolution. Along with general cargo, freight, and raw materials such as coal and cotton, merchants were involved in the slave trade. In the 19th century, Liverpool was a major port of departure for English and Irish emigrants to North America. It was also home to both the Cunard and White Star Lines, and was the port of registry of the ocean li ...
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World War I
World War I (28 July 1914 11 November 1918), often abbreviated as WWI, was one of the deadliest global conflicts in history. Belligerents included much of Europe, the Russian Empire, the United States, and the Ottoman Empire, with fighting occurring throughout Europe, the Middle East, Africa, the Pacific, and parts of Asia. An estimated 9 million soldiers were killed in combat, plus another 23 million wounded, while 5 million civilians died as a result of military action, hunger, and disease. Millions more died in genocides within the Ottoman Empire and in the 1918 influenza pandemic, which was exacerbated by the movement of combatants during the war. Prior to 1914, the European great powers were divided between the Triple Entente (comprising France, Russia, and Britain) and the Triple Alliance (containing Germany, Austria-Hungary, and Italy). Tensions in the Balkans came to a head on 28 June 1914, following the assassination of Archduke Franz Ferdin ...
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Abbey National
The Abbey National Building Society was formed in 1944 by the merger of the Abbey Road and the National building societies. It was the first building society in the United Kingdom to demutualise, doing so in July 1989. The bank expanded through a number of acquisitions in the 1990s, including James Hay, Scottish Mutual, Scottish Provident and the rail leasing company Porterbrook. Abbey National launched an online bank, Cahoot, in June 2000. In September 2003, the bank rebranded as Abbey, and in November 2004, it became a wholly owned subsidiary of the Spanish Santander Group, with a rebrand following in February 2005. In January 2010, the savings business of Bradford & Bingley was combined with the bank, and Abbey National plc was renamed Santander UK plc. Prior to the takeover, Abbey National plc was a constituent of the FTSE 100 Index. History Pre-merger: The National Building Society The National Building Society had its origins in the freehold land movement, sometimes ca ...
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