Which type of insurance is primarily provided by mutual insurers?

Mutual insurers are organizations that are owned by their policyholders, meaning that the profits generated are typically returned to policyholders in the form of dividends or reduced future premiums. This structure is particularly common in the life and health insurance sectors.

Life insurance involves pooling the risk of death among many individuals, which allows mutual insurers to effectively manage risks and create products tailored for the needs of their policyholders. Health insurance also falls under this category as mutual insurers can provide a range of health-related products, benefiting from the shared risk of healthcare costs among members.

In contrast, while commercial, property, and liability insurances are important types of coverage, they are often provided by stock insurers and other types of entities that operate on different business models focused primarily on profit. Therefore, the primary association of mutual insurers lies strongly with life and health insurance products, making this the correct answer.