Why is it important for insurance companies to have a large pool of people paying premiums? if a large pool of people pay premiums, insurance company employees will get more bonuses included in their next paycheck. The premium payments of all the insured clients will cover the costs for the emergencies of the few who need it. The more people that pay premiums, the less likely each insured client will experience an emergency. A large pool of people paying premiums yields insurance companies to have a larger social media following.