Subscriber Savings Accounts
A valuable benefit of membership with PURE.
Last Updated: April 30, 2026
PURE is different
PURE was founded as a reciprocal insurer, which means it has no outside shareholders. That structure shapes many things about how we operate, including how we manage capital—and enables us to share PURE's organic capital growth with its members.
Subscriber Savings Accounts | The PURE Insider
What is a Subscriber Savings Account?
A Subscriber Savings Account (SSA) is a notional account held for each active PURE member, reflecting their individual share of PURE's policyholder surplus.1 When strong operating performance increases surplus, a portion of that growth may be allocated to active members through SSAs. Individual allocation amounts are calculated as a percentage of a member’s earned premium in the previous year. SSAs remain on PURE’s balance sheet, available to pay claims if necessary.
PURE Gold membership & cash distributions
Active members who have been with PURE for 10 years or more earn PURE Gold status.2 Gold members may be eligible to receive an annual cash distribution from their SSA—allowing long-standing members to realize value while remaining actively insured with PURE.
Why this matters
Subscriber Savings Accounts reflect PURE’s commitment to the power of membership. When strong operating performance drives surplus growth, we can share that value with members through SSA allocations.
Our members who work to proactively mitigate risk and value doing the right thing are what helps drive this strong operating performance. This is just one way in which PURE's reciprocal structure creates alignment with its membership, and SSAs are a tangible expression of that alignment.
Frequently asked questions
Key questions about your SSA allocation
Individual allocation amounts are proportionate to premiums earned in the prior year. Members must meet a minimum earned premium threshold of $1,265 to qualify for an allocation.
SSA funds are not accessible on demand and remain on PURE’s balance sheet, available to pay claims if necessary.
Beginning in year 10, when you reach PURE Gold status, you may receive cash distributions from your SSA. If you leave PURE and have a balance in your SSA, it may be returned to you less any amount owed to PURE.
Upon leaving PURE, if there is a balance in your SSA, it may be returned to you less any amount owed to PURE.
SSA allocations and distributions are generally considered a return of premium so, unless you have a unique circumstance that enabled you to deduct the original cost of your PURE policies from your taxable income, the SSA allocation should not create a taxable event. However, PURE is not a tax advisor and suggests you consult your financial planner or tax preparer for advice.
No, SSA balances do not earn interest.
You may not have received an allocation because you did not have an active policy in 2025 or because your allocation would have been less than our minimum requirement of $25.
Members must meet a minimum earned premium threshold of $1,265 to qualify for an allocation.
Log in to your account online or on the mobile app and click on "Subscriber Savings Account" located under Member Perks.
Understanding SSAs
PURE was founded as a reciprocal insurer, which means it has no outside shareholders. That structure shapes how we manage capital. Our goal is to charge members the right premium to cover claims and expenses, not the highest premium possible.
When claims costs are low and PURE’s surplus grows, SSAs enable individual PURE members to directly participate in the strong performance of their insurance company.
SSAs remain on PURE’s balance sheet, available to pay claims if necessary. Because of this, SSA balances could decrease.
Since inception and including this latest allocation, PURE has allocated $168 million to members’ SSAs.
Each year, we review financial results. If PURE’s surplus grows, management may elect to allocate a portion of this growth to members’ SSAs.
While PURE has made an allocation in 11 of our past 20 years in business, allocations are not the goal. Accurate pricing is.
Insurance is unique in that the true cost of claims is not known when a policy is issued, and results can be volatile. SSAs provide a way for members to share in the outcome when results are better than expected.
About PURE Gold and cash distributions
After 10 years of membership with PURE, you earn Gold status and become eligible for an annual cash distribution from your SSA—a small way we recognize the loyalty of our long-standing members.
- Allocation: Funds added to your SSA that remain on PURE’s balance sheet.
- Distribution: Funds paid out from your SSA to you in the form of cash or a credit to your premium balance. Distributions are only available to PURE Gold members.
Distributions are based on PURE’s financial performance and are subject to management discretion and regulatory approval.
Eligible PURE Gold members can choose to apply the distribution to an outstanding premium balance or receive a check. To request a check, members must log in to their online account and make that selection in advance.
Distribution amounts are based on overall performance and may be up to 20% of an individual member’s total SSA balance in a given year. This year’s distribution is 5% of a Gold member's 2025 year-end SSA balance. Like SSA allocations, distributions are determined based on performance, management discretion and regulatory approval.
By default, your distribution will be applied to any outstanding premium balance on your account.
If you prefer to receive your distribution as a check, you can make that selection by logging in to your online account before the stated deadline.
If no premium is due, your distribution will be issued as a check automatically.
You may not have received a distribution because it was less than our minimum requirement of $10.
Distributions, like allocations, are based on the company’s performance in the prior year. For example, 2025 distributions reflect 2025 performance and are issued in 2026, typically in the spring.
Still have questions?
Contact us at 888.813.7873 or [email protected].
SSA allocations and distributions are not guaranteed. They are made at the discretion of management, based on the performance of the business and require regulatory approval.
1. The precise handling of SSA’s is subject to PURE’s Subscriber’s Agreement and Power of Attorney, with oversight from the Florida Office of Insurance Regulation. PURE’s operating results depend substantially upon the Company’s loss experience. Actual experience may deviate from expected results due to factors including frequency of losses or multiple large losses.
2. PURE Gold is the marketing name used to refer to Senior Members, a designation given to PURE members (policyholders) who have been a part of the membership for 10 years or more.
