Not all insurance companies work the same way. Specifically, mutual self-insurance organizations have substantial differences from for-profit corporations. Those for-profit corporations work in the interest of shareholders. But mutual self-insurance or inter-insurance exchanges are not corporations, but rather where the members are simultaneously insured by each other and, as a group, own all the exchange's assets. Profits are returned to members. USAA is the biggest example of such.
While USAA does not offer insurance for legal expenses, I believe the Armed Citizens Legal Defense Network is similar in that rather than being a for-profit corporation with the goal of profiting off subscriber's premiums or the investment thereof, it is a union of members who themselves own all the assets. This is not meant to imply an endorsement or recommendation of ACLDN, just to call attention to the distinction of what it is in contrast to insurance corporations.
While USAA does not offer insurance for legal expenses, I believe the Armed Citizens Legal Defense Network is similar in that rather than being a for-profit corporation with the goal of profiting off subscriber's premiums or the investment thereof, it is a union of members who themselves own all the assets. This is not meant to imply an endorsement or recommendation of ACLDN, just to call attention to the distinction of what it is in contrast to insurance corporations.