You're not a customer - you're a MEMBER
Who’s profiting from your E & O insurance premiums? Stockholders in a major insurance brokerage corporation? Or you?
The Advocis Protective Association is a not-for-profit membership association that is part of Advocis - the oldest and most respected association for financial advisors and planners in Canada.
For-profit corporations, on the other hand, are chiefly concerned with maximizing shareholder value; this is most often accomplished by providing dividend payments to public stock holders of the corporation.
While the APA also believes in "maximizing shareholder value," the benefits of this are directed back into program development, which ultimately works in your favour.