Episode June 30, 2025 22 min 35s

Investing in Life: Insurance in Antebellum America (Studies in Early American Economy and Society from the Library Company of Philadelphia)

Explores the history of life insurance in Antebellum America, focusing on its development, societal integration, and regulatory evolution. It details how early companies like New York Life and Trust (NYL&T) and Baltimore Life navigated challenges such as mortality rate uncertainty, the need for agency systems to reach broader populations, and the complexities of insurable interest. The sources also shed light on the industry's efforts to market to the emerging middle class by emphasizing protection for families and addressing religious objections, while also examining the controversial practice of insuring enslaved individuals and the impacts of competition and state regulation on the industry's growth and stability.

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