>If we just had a simple common slush fund (like amongst a large family self-insuring), Like a mutual insurance company? https://en.wikipedia.org/wiki/Mutual_

>If we just had a simple common slush fund (like amongst a large family self-insuring), Like a mutual insurance company? https://en.wikipedia.org/wiki/Mutual_insurance https://en.wikipedia.org/wiki/Mutual_insurance >A mutual insurance company is an insurance company owned entirely by its policyholders. It is a form of consumers' co-operative. Any profits earned by a mutual insurance company are either retained within the company or rebated to policyholders in the form of dividend distributions or reduced future premiums.