Here is a link to a recent Dallas News story that exemplifies how insurance companies profits are guaranteed by the state insurance board regulators.
http://www.dallasnews.com/news/politics/headlines/20140402-texas-home-insurers-profits-rise-as-do-their-premiums.ece
File this under the category: Socialism for Capitalists and Capitalism for everyone else. Welcome to the not so brave future.
Voted for by 97-98% of American Voters, every election. Guaranteed! B)