Some policies offer the policyholder a share in the profits of the insurance company - they are called for-profit policy. Other policies provide no right to a share in the profits of the company - these are the conditions nonprofit.
Policies for profit are used as a form of collective investment to achieve capital growth. Other policies offer a guaranteed return not dependent on the performance of the underlying investment of the company, which are known as political and non-profit organizations that may be construed as a misnomer often.
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