Last Updated: April 30, 2026

When you join PURE, you’ll notice that your insurance premiums include surplus contributions for the first five years of membership.

While you may think of surplus contributions as part of the overall cost of your insurance, they are separate from typical premiums because:

• PURE’s independent management company does not make any money off of or take a percentage of these contributions.
• These funds provide extra financial support to PURE, reducing the need for more costly third-party capital and improve our claims paying ability.

In fact, surplus contribution can save members money over time because less reliance on outside capital can result in more competitive pricing.

Not to be confused with Subscriber Savings Accounts (SSAs):  
Surplus contributions are funds you provide to help support PURE’s financial strength. Subscriber Savings Accounts, by contrast, reflect your share of capital the membership builds over time and may grow when PURE’s results are strong.