Insurance Companies & Stock Market

When thinking of Stock Market, I understand with my experience in Options Derivative segment, most people make money in Option Writing

Option Writing / Selling is selling of an asset without owning it by paying the Margin Money

When I sell the option on any particular strike (Normally I go selling the OTM), I collect the Premium money and when my condition is satisfied by end of the contract, I don't need to return that back to the buyer (that's my profit)

When thinking of this concept, I remember and understand how Insurance Companies work. I buy a CAR, need to take the insurance (mandatory) and when I don't have any issue (accident), I lose that money and that's the profit of the insurance company

Here, the main idea is the insurance company is optimistic that the buyer of the insurance will not have an accident or any issue inorder to claim it. So, the insurance company is OPTIMISTIC

Similarly, I be optimistic in selling the asset considering that the spot price of the company will increase in future and the winning chance is higher (Disclaimer: select the company accordingly)

Now, the next step is Insurance Companies make money most of the time, why not trade (Derivative Option Writing) with Insurance Companies ?, By this I own the Insurance Company.

Best Regards,

B G Nareshkumar