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Customs and Excise Officers, including coastguards, did not have protection in case of death, injury, illness and old age. In response to this the Customs Annuity and Benevolent Fund was established by the Customs Office in 1816. The Fund was formed as a mutual insurance fund, to provide conditional benefit to widows, children and other immediate relatives of civil servants. Any person aged 16-65 was able to effect an Insurance upon their lives, answerable to their respective cases. The Fund was to be raised by subscription, both annual and occasional.
Initially named the 'Civil Fund' but 'Customs Annuity Fund' was substituted shortly after foundation, resulting from extension of the same benefits to all other departments under the Crown. Operated as 'Customs Annuity and Benevolent Fund' from 1879, 'Customs Fund' from 1893 and from 1896 it was incorporated by Act of Parliament as 'The Customs Annuity and Benevolent Fund Incorporated' but referred to as the 'Customs Fund'.
The Fund was based at Customs Office, London initially at City Gate House, Finsbury Square and later at Kings Beam House, Mark Lane, City of London.The organisation continued to operate as a Life Assurance and Pensions Mutual Company until it was acquired by National Friendly (National Deposit Friendly Society (NDFS), established in 1868) in 2004. The Customs Fund Division continued under NDFS.