People's Insurance collected premiums of $5.2 billion last year, up 22 percent from 1993.

So an insurance company can collect premiums for years and never have to pay out anything.

Before the law went into effect, all the funds collected premiums directly from members.

Such companies are collecting premiums more than the amount paid in claims.

That means companies can collect premiums longer and pay fewer death benefits.

It's a very rich company, made its money by collecting premiums and not paying the claims.

Insurance companies set rates, collect premiums and then estimate how much they will need to pay in claims.

Their agents knock on doors and collect premiums each week.

Some agents go to homes to collect monthly premiums in cash.

Insurance companies collect premiums daily - the cash builds up.