[entwisi]

I think if you read other posts and look into this further you will find that some branches of insurance lose money. There is always teh competitive aspect of the market to take into account. Companies will go through phases of offering 'cheaper' insurance to certain demographic groups depending on their view of risk at that time. this naturally keeps prices down as there are legal protections in place to stop cartels forming to fix prices. therefore its a free market that if there was such 'profit' that you seem to think there was then a company would cut its prices to gain a greater market share which would trigger other companies etc

You need to start quoting actual figures from companies if you want to start pontificating about X profit vs Y payouts.