A" Stock insurance companies
B" Mutual insurance companies
Stock insurance companies have financial pressures that are shorter term than their mutual counterparts.
Mutual insurance companies, on the other hand, have the longer term focus of their policyholders as their priority.
Since anyone can buy stock of a publicly traded company, these stockholders may or may not own a life or disability insurance policy from the insurance company. This can set up an interesting dynamic for the long term philosophy of the company. Commercial Truck Scales