WVC 33 - 5 - 11
§33-5-11. Mutual membership.
Each holder of one or more insurance policies or contracts
issued by a domestic mutual insurer, other than a contract of
reinsurance, is a member of the insurer with all the rights and
obligations of such membership and each such policy or contract
so issued shall so specify. Any person, government or
governmental agency, state or political subdivision thereof,
public or private corporation, board, association, firm, estate,
trustee or fiduciary may be a member of a domestic, foreign, or
alien mutual insurer.