Turning now to the next three years, we are committed to organic growth of the business, through the provision of innovative, leading cover in our core markets.
Strategic mergers and acquisitions with organisations who have a similar ethos to our own, with the clear goal of delivering greater benefits to members, is still a key priority.
We will continue to develop and refine our distribution strategy, working closely with our business partners to ensure that our products are relevant, competitive and meet the changing needs of current and prospective members.
It is a given that we will provide the best customer service we possibly can, building on our already strong reputation.
We expect to deliver these objectives using the best IT infrastructure possible and taking advantage of the innovations that new technology within the insurance sector has to offer.
We have excellent people and it is our aim that we remain supportive of them by providing the right tools and training to help them deliver their best.
We enter 2019 with a strong capital position, which the Board believes puts us in good stead to continue our growth strategy as we move forward.