Yes, most life insurance companies are for-profit businesses. As with other insurance companies, life insurers are in the business to make money. They collect premium payments from policyholders and invest that money to generate returns. A portion of the returns is used to pay out death benefits and other claims, while the remaining profits are kept by the company. Some life insurers are publicly traded companies with shareholders, while others are privately held. However, all life insurance companies must be licensed and regulated by the states in which they operate to ensure policies are priced appropriately and claims are paid out properly.
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