<p>How hard is it to create an insurance monopoly in todays market?</p>
<p>Virtually impossible. Even AIG and the other huge names out there never own more than 10% of an insurance sector. To have market-setting power you’d need more than 90% probably, given that the costs of switching providers are so low.</p>
<p>How did Rockefeller do it then?</p>
<p>Economies of scale, before the advent of electronic data and systems.</p>
<p>what kind of “gotcha” game are you trying to play here?</p>