It’s amazing what you can do when you aren’t accountable to shareholders

I haven't heard of this. What's this benefit called?

Edit: I should take one minute before asking questions.

Member-Owned Structure: Unlike a publicly traded company that pays dividends to stockholders, USAA is a reciprocal interinsurance exchange, meaning its members are also its owners. Profits, after expenses and reserve requirements are met, are returned to members.

Subscriber Savings Account (SSA): A small percentage of the property and casualty insurance premiums paid by an eligible member is retained by USAA and allocated to an SSA in their name.

Annual Distributions: The USAA Board of Directors decides each year how much capital is needed for reserves. Any excess is distributed back to members from their SSA. This distribution amount can vary annually based on factors like the company's financial performance and the member's longevity and account balance.

Payout Options: Members typically have the option to: Apply the distribution to their insurance premiums. Receive the funds via direct deposit or check

There are a lot of them like that called "mutuals" which are just insurance cooperatives. If you're American you can probably get your insurance through one, although they aren't as popular.