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Don Tang

Who Owns Mutual Insurance Companies?

I often encounter confusion about the ownership structure[^1] of insurance companies, especially mutual insurers. Mutual insurance companies are owned by their policyholders, not shareholders. When

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Car Insurance
Don Tang

Why Is Car Insurance A Waste Of Money?

Many of my clients express frustration about paying monthly premiums without seeing immediate benefits. Car insurance isn’t a waste of money – it’s financial protection

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