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Security in an uncertain world: Lif...

Murphy, Sharon Ann.

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Security in an uncertain world: Life insurance and the emergence of modern America.

Record Type:	Electronic resources : Monograph/item
Title/Author:	Security in an uncertain world: Life insurance and the emergence of modern America./
Author:	Murphy, Sharon Ann.
Description:	454 p.
Notes:	Source: Dissertation Abstracts International, Volume: 66-01, Section: A, page: 0313.
Contained By:	Dissertation Abstracts International66-01A.
Subject:	History, United States. -
Online resource:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3161249
ISBN:	0496948660

Security in an uncertain world: Life insurance and the emergence of modern America.
Murphy, Sharon Ann.

Security in an uncertain world: Life insurance and the emergence of modern America. - 454 p.

Source: Dissertation Abstracts International, Volume: 66-01, Section: A, page: 0313.

Thesis (Ph.D.)--University of Virginia, 2005.

This dissertation analyzes the creation and expansion of the life insurance industry through the eyes of the people who both directly and indirectly influenced its growth. On the one hand, I examine the businessmen who created this new industry: how they took an existing British model, reinvented it, and adapted it to a new environment in the United States. In the process, they were forced to combat moral hazards such as gambling policies, murder, suicide, and insurance fraud, confront legal barriers to the industry's growth, expand their limited actuarial knowledge, respond to external shocks such as economic recessions, the Civil War, and emancipation, meet the challenges of competition both from within the industry as well as from other industries such as savings banks, and---most importantly---gain public acceptance. At the same time, I also examine life insurance through the eyes of those outside the industry---the regulators who saw practices that needed to be controlled, potential rivals such as savings bank entrepreneurs, and the people actually choosing to buy or not to buy life insurance. By the second half of the nineteenth century middle-income Americans would form the core of the life insurance market, and life insurance would become a defining characteristic of what it meant to be a member of the middle class.

ISBN: 0496948660Subjects--Topical Terms:

1017393
History, United States.

Security in an uncertain world: Life insurance and the emergence of modern America.
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245 1 0 $a Security in an uncertain world: Life insurance and the emergence of modern America.
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500 $a Source: Dissertation Abstracts International, Volume: 66-01, Section: A, page: 0313.
500 $a Adviser: Mark F. Thomas.
502 $a Thesis (Ph.D.)--University of Virginia, 2005.
520 $a This dissertation analyzes the creation and expansion of the life insurance industry through the eyes of the people who both directly and indirectly influenced its growth. On the one hand, I examine the businessmen who created this new industry: how they took an existing British model, reinvented it, and adapted it to a new environment in the United States. In the process, they were forced to combat moral hazards such as gambling policies, murder, suicide, and insurance fraud, confront legal barriers to the industry's growth, expand their limited actuarial knowledge, respond to external shocks such as economic recessions, the Civil War, and emancipation, meet the challenges of competition both from within the industry as well as from other industries such as savings banks, and---most importantly---gain public acceptance. At the same time, I also examine life insurance through the eyes of those outside the industry---the regulators who saw practices that needed to be controlled, potential rivals such as savings bank entrepreneurs, and the people actually choosing to buy or not to buy life insurance. By the second half of the nineteenth century middle-income Americans would form the core of the life insurance market, and life insurance would become a defining characteristic of what it meant to be a member of the middle class.
520 $a Insurance promoters recognized that the main appeal of their product was in compensating for the breakdown of traditional community safety nets that occurred as a by-product of urbanization. Life insurance companies thus marketed protection of a lifestyle to the emerging middle class---people with economic and social aspirations but who were dependent on the existence of a regular income. The industry understood that this growing segment of the population faced opportunities and anxieties that made them unique among Americans. Life insurance thus appealed not to their status consciousness, but to their fears. And it doing so, it allowed the middle class to take more risks during their lifetimes since their families were now protected from the risk of death.
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