re: #220 FFL (GOP Delenda Est)
Yep. Got an email about that from my insurer (USAA) yesterday. Rebating 20% of two months of premiums as a credit to future charges. USAA also usually sends out rebate checks of some sort if their payouts for a year are less than they projected.
USAA is a brilliant insurance company. More than 30 years with them and never had a reason to complain about their service or rates.