1.

1706 by the Bishop of Oxford and the financier Thomas Allen in

London, England. The company, called the Amicable Society for a
Perpetual Assurance Office, collected annual premiums from
policyholders and paid the nominees of deceased members from
a common fund.

2.

Jump up^ Amicable Society, The charters, acts of Parliament,

and by-laws of the corporation of the Amicable Society for a
perpetual assurance office, Gilbert and Rivington, 1854, p. 4

3.

Jump up^ "Today and History:The History of Equitable Life".

2009-06-26. Retrieved 2009-08-16.

4.

Jump up^ Howstuffworks: How Health Insurance Works.

5.

Jump up^ "Encarta: Health Insurance". Archived from the

original on 2009-11-01.

6.

^ Jump up to:a b E. P. Hennock, The Origin of the Welfare State in

England and Germany, 18501914: Social Policies
Compared (2007)

7.

Jump up^ Hermann Beck, Origins of the Authoritarian Welfare

State in Prussia, 1815-1870 (1995)

8.

Jump up^ The Cabinet Papers 1915-1982: National Health

Insurance Act 1911. The National Archives, 2013. Retrieved 30
June 2013.

9.

Jump up^ Bentley B. Gilbert, British social policy, 19141939 (1970)

10. Jump up^ Gollier C. (2003). To Insure or Not to Insure?: An

Insurance Puzzle. The Geneva Papers on Risk and Insurance
Theory.
11. Jump up^ This discussion is adapted from Mehr and Camack
"Principles of Insurance", 6th edition, 1976, pp 34 37.
12. Jump up^ Irish Brokers Association. Insurance Principles.
13. ^ Jump up to:a b C. Kulp & J. Hall, Casualty Insurance, Fourth
Edition, 1968, page 35
14. Jump up^ However, bankruptcy of the insured with a
"reimbursement" policy does not relieve the insurer. Certain types
of insurance, e.g., workers' compensation and personal
automobile liability, are subject to statutory requirements that
injured parties have direct access to coverage.
15. Jump up^ Dembe, A. E., Boden, L. I. (2000). Moral hazard: A
question of morality?. New Solutions.
16. Jump up^ Kunreuther H. (1996). Mitigating Disaster Losses
Through Insurance. Journal of Risk and Uncertainty.

17. Jump up^ Brown RL. (1993). Introduction to Ratemaking and

Loss Reserving for Property and Casualty Insurance. ACTEX
Publications.
18. Jump up^ Feldstein, Sylvan G.; Fabozzi, Frank J. (2008). The
Handbook of Municipal Bonds.Wiley. p. 614. ISBN 978-0-47010875-8. Retrieved February 8, 2010.
19. Jump up^ What we do ABI. Abi.org.uk. Retrieved on 2013-07-18.
20. Jump up^ Fitzpatrick, Sean, Fear is the Key: A Behavioral Guide
to Underwriting Cycles, 10 Conn. Ins. L.J. 255 (2004).
21. Jump up^ Berger, Allen N.; Cummins, J. David; Weiss, Mary A.
(October 1997). "The Coexistence of Multiple Distribution Systems
for Financial Services: The Case of Property-Liability
Insurance.". Journal of Business. 70 (4): 515
46. doi:10.1086/209730. (online draft)
22. Jump up^ Insurance Information Institute. "Business insurance
information. What does a businessowners policy cover?".
Retrieved 2007-05-09.
23. Jump up^ "Builder's Risk Insurance: Specialized Coverage for
Construction Projects". Adjusting Today. Adjusters International.
Retrieved 2009-10-16.
24. Jump up^ US application 20,060,287,896 "Method for providing
crop insurance for a crop associated with a defined attribute"
25. Jump up^ Insurance Information Institute. "What is homeowners
insurance?". Retrieved2008-11-11.
26. Jump up^ Seaman, S. M.; Kittredge, C. (Spring 1997). "Excess
Liability Insurance: Law and Litigation". Tort & Insurance Law
Journal. 32 (3): 653714. JSTOR 25763179.
27. Jump up^ Types of Business Insurance | SBA.gov. Business.gov.
Retrieved on 2013-07-18.
28. Jump up^ Blitz, Gary; Schoenberg, Daniel. "Private REITs:
Facilitating a Cleaner Exit with Tax Insurance". Transaction
Advisors. ISSN 2329-9134.
29. Jump up^ Margaret E. Lynch, Editor, "Health Insurance
Terminology", Health Insurance Association of America,
1992, ISBN 1-879143-13-5
30. Jump up^ Marcos Antonio Mendoza, "Reinsurance as
Governance: Governmental Risk Management Pools as a Case
Study in the Governance Role Played by Reinsurance
Institutions", 21 Conn. Ins. L.J. 53, 55-60
(2014) http://papers.ssrn.com/sol3/papers.cfm?
abstract_id=2573253
31. ^ Jump up to:a b c d e f g h i j Excess and Surplus Lines FAQ's.
AAMGA. Retrieved on 2013-07-18.
32. Jump up^ 15 U.S.C. 8201 and 8202

33. Jump up^ David Ransom (2011). IF1 Insurance, Legal &
Regulatory. Chartered Insurance Institute. p. 2/5. ISBN 978 0
85713 094 5.
34. Jump up^ http://www.thecityuk.com/assets/Uploads/Insurance2011-F2.pdf PDF (365 KB) p. 2
35. Jump up^ Sam Radwan, "China's Insurance Market: Lessons
Learned from Taiwan", Bloomberg Businessweek, June 2010.
36. Jump up^ Randall S. (1998). Insurance Regulation in the United
States: Regulatory Federalism and the National Association of
Insurance Commissioners. FLORIDA STATE UNIVERSITY LAW
REVIEW.
37. Jump up^ J Schacht, B Foudree. (2007). A Study on State
Authority: Making a Case for Proper Insurance Oversight. NCOIL
38. Jump up^ C. J. Campbell, L. Goldberg, A. Rai. (2003). The
Impact of the European Union Insurance Directives on Insurance
Company Stocks. The Journal of Risk and Insurance.
39. Jump up^ Haurant S. (2005). FSA takes on insurance
regulation. The Guardian.
40. Jump up^ Adams J. (2012). The impact of changing regulation on
the insurance industry.Financial Services Authority.
41. Jump up^ Lloyds. (2012). Reforming UK insurance contract law.
42. Jump up^ Insurance Law of the People's Republic of China
1995. Lehman, Lee & Xu.
43. Jump up^ Thomas JE. (2002). The role and powers of the
Chinese insurance regulatory commission in the administration of
insurance law in China. Geneva Papers on Risk and Insurance.
44. Jump up^ "Regulations Section". fmcsa.dot.gov. Retrieved 28
August 2015.
45. Jump up^ O'Hare, Paul; White, Iain; Connelly, Angela (2015-0901). "Insurance as maladaptation: Resilience and the 'business as
usual' paradox". Environment and Planning C: Government and
Policy:
0263774X15602022. doi:10.1177/0263774X15602022.ISSN 0263774X.
46. Jump up^ Schindler, R. M. (1994). Consumer Motivation for
Purchasing Low-Deductible Insurance. In Marketing and Public
Policy Conference Proceedings, Vol. 4, D. J. Ringold (ed.),
Chicago, IL: American Marketing Association, 147155.
47. Jump up^ Gregory D. Squires (2003) Racial Profiling, Insurance
Style: Insurance Redlining and the Uneven Development of
Metropolitan Areas Journal of Urban Affairs Volume 25 Issue 4 pp.
391410, November 2003

48. Jump up^ Credit-Based Insurance Scores: Impacts on

Consumers of Automobile Insurance, Federal Trade Commission
(July 2007)
49. Jump up^ Consumers Dispute FTC Report on Insurance Credit
Scoringwww.consumeraffairs.com (July 2007)
50. Jump up^ Insurance Information Institute. "Issues Update:
Regulation Modernization". Retrieved2008-11-11.
51. Jump up^ (Source: Insurance IP Bulletin, December 15, 2006)
52. Jump up^ Mark Nowotarski "Patent Q/A: Peer to Patent",
Insurance IP Bulletin, August 15, 2008
53. Jump up^ US6922720 "SYSTEMS AND METHODS FOR
INSURING DATA OVER THE INTERNET"
54. Jump up^ Bakos, Nowotarski, "An Experiment in Better Patent
Examination", Insurance IP Bulletin, December 15, 2008.
55. Jump up^ "Islam Question and Answer The true nature of
insurance and the rulings concerning it". Retrieved 2010-01-18.
56. Jump up^ "Life Insurance from an Islamic Perspective".
Retrieved 2010-01-18.
57. Jump up^ "Jewish Association for Business Ethics Insurance".
Retrieved 2008-03-25.
58. Jump up^ Rubinkam, Michael (October 5, 2006). "Amish
Reluctantly Accept Donations". The Washington Post.
Retrieved 2008-03-25.
59. Jump up^ Donald B. Kraybill. The riddle of Amish culture.
p. 277. ISBN 0-8018-3682-4.
60. Jump up^ "Global Anabaptist Mennonite Encyclopedia Online,
Insurance". Retrieved 2010-01-18.

Bibliography[edit]

External links[edit]
Find more about
Insurance

Dickson, P. G. M. (1960). The Sun Insurance Office 17101960:

The History of Two and a half Centuries of British Insurance.
London: Oxford University Press. p. 324.

Zeckhauser, Richard (2008). "Insurance". In David R.

Henderson (ed.). Concise Encyclopedia of Economics (2nd ed.).
Indianapolis: Library of Economics and Liberty.ISBN 9780865976658. OCLC 237794267.

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