### Comment:
&gt;  margins are insane 
  
 Progressive is doing fucking amazing, but have an 8% return. 
  
 Edit- you made me look them up and realize they are an amazing stock! so good job brutha

### REPLY:
I used to work in the life insurance and annuities industry, but all insurance companies operate roughly the same.  It's amazing how well actuaries are able to predict risk factors that can then be turned into profitable products.

### END.