World wide there are a large number of mutual organisations (member owned, democratic, member led organisations) that provide insurance. Indeed for a couple of

World wide there are a large number of mutual organisations (member owned, democratic, member led organisations) that provide insurance. Indeed for a couple of hundred years this was the biggest segment of the insurance industry. If you don't want to hand over the gains to a private (or publicly) owned insurer then join an insurance mutual, or if one doesn't exist then start one.