this post was submitted on 10 Dec 2025
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One car insurance company where I live operates kinda like this. USAA.
Every subscriber is a member. Every year, after they pay operating costs, they take the money left over from premiums and put it into accounts distributed across all the members. When you reach a certain age you can withdraw the money accumulated in your account.
...i don't know man, i've been with USAA for fourty years and my dividends always amount to just a discount on my december premium...