It is obvious that many members do not understand how USSA is set up. It is owned by its members. Your percentage of ownership is determined by the amount of products paid for and amount paid. The check received at the end of the year and the amount put on your SSA is not a return of premium, but your share of the profits...USAA Members own the association just like HM stockholders own GM and received a distribution based on profits. Legacy members are actually insured by a subsidiary company and are not owners, therefore there is no profit sharing.