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Discussion

Law requires insurance companies to make profit.

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Shareholders fund the company. It is the responsibility of the board of director's to create an adequate return on investment.

This is done by charging premiums high enough to cover costs, managing risk, & controlling costs.

Pretty much the same way every business, and every household is run.

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I'm sorry. I meant with this law, how would it be possible to have universal insurance?

Thanks

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Refund investments?

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