Actually, not quite true in this case.

I believe USAA was formed back in the day when service people could not obtain life insurance. They are not really a for-profit business, they are a member association. That's why they send me a check when they have money left over at the end of the year. They should operate to please the members...whatever we want that to mean.

Hmmm. Maybe I should do something with that proxy material they send us every year