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Anglo-American Life Insurance, 18001914

Editors: Timothy Alborn, Lehman College, CUNY and Sharon Ann Murphy, Providence College
3 Volume Set: c.1200pp: July 2013 978 1 84893 352 1: 234x156mm: 295/$520

The life insurance industry was one of the most important financial institutions of the long nineteenth century, on both sides of the Atlantic. By the eve of the Great Depression, there existed in America the equivalent of a policy for every man, woman and child alive at the time, whilst in Britain the life insurance market grew steadily from its narrow aristocratic base to encompass all social classes at home and throughout the empire. The sources in this edition are collected in three themed volumes. Volume 1 looks at the public face of life insurance: how the industry sought to define and market life insurance to the public through treatises, brochures, prospectuses, and guides; innovations in life insurance products and sales techniques over time; and the exchange of ideas across the Atlantic. Volume 2 addresses the internal workings of the life insurance industry including its organization and architecture, agency system, fund management, competition between companies, fraudulent companies and legislation involving the sale of insurance. Finally, Volume 3 focuses on mortality and risk, from the collection of data and the development of mortality tables, the evolution of the medical exam and the evaluation of risk factors, to gambling, fraud and murder.

Coupon made for Merchants Life Insurance Co., New York City [c.1870] Library of Congress, LC-USZ62-82768

The first comparative international study of its kind A useful resource to scholars of the history of medicine, population geography, the history of insurance and finance, and the social and economic history of the long nineteenth century Sources come from journals, newspapers, magazines, advertisements, prospectuses and addresses given at society meetings Editorial apparatus includes a general introduction, volume introductions, headnotes and endnotes Consolidated index in the final volume

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Contents
Volume 1: What is life insurance? Why should you insure? Selling Life Insurance to the Public
Life Insurance, Connecticut Courant (1833); Richard Morgan, Familiar Observations on Life Insurance (1841)*; Life Insurance in the United States, Hunts Merchants Magazine (1843); Life Insurance Offices, New and Speculative (1846); James W Alexander, Some Prejudices about Life Assurance, Atlantic Monthly (1900); Charter of the Corporation for the Relief of the Widows and Children of Clergymen (1814)*; Life Insurance, Religious Intelligencer (1835); Mutual Life Insurance Company, Christian Register (1835); Prospectus of the Dissenters and General Life and Fire Assurance Company, Ecelctic Review (1839)*; Life Insurance Ministers, Life InsuranceA Scruple and Life Insurance of Ministers, Christian Secretary (1847); Insurance amongst the Working Classes, Economist (1858); Frank Ives Scudamore, Life Insurance by Small Payments: A Few Plain Words Concerning It (1861); George D Eldridge, Assessment Life Insurance, North American Review (1890); B H Meyer, Fraternal Beneficiary Societies in the United States, American Journal of Sociology (1901); John F Dryden, The Social Economy of Industrial Insurance: A Lecture, in Addresses and Papers on Life Insurance and Other Subjects (1909); Frederick Hoffman, Life Insurance of Children (1903); Joseph Burn, Industrial Life Assurance, Journal of Federated Insurance Institutes (1902); J F Williams, Life Insurance of the Poor: An Illumination of Economic Disadvantage (1912); W E Burghardt Du Bois (ed.), Some Efforts of American Negroes for their Own Social Betterment (1898)*; Arthur Wyndham Tarn, Some Notes on Life Assurance in Greater Britain, Journal of the Institute of Actuaries (1899)*; Josiah Clark Nott, Statistics of Southern Slave Population, with especial reference to life insurance, DeBows Commercial Review (1847); William Frend, Rock Life Assurance Company (1806); An Address from the President and Directors of the Pennsylvania Company for Insurances on Lives ... (1814); Standard Life, Prospectus (1833); William Bard, A Letter to David E Evans, Esquire, of Batavia, on Life Insurance (1832); Life Insurance: Its Principles, Operations and Benefits, as presented by the North Carolina Mutual Life Insurance Company (1849)*; Reliance Mutual Life Assurance Society, Life Assurance Explained (1850); John Freestone, Where to Insure: An Impartial and Independent Guide (1890); Life Insurance, Macon Weekly Telegraph (1838); John Neal, Life Assurance, The Columbian Ladys and Gentlemans Magazine (1846); Arthur Scratchley, The Moral Urgency of Life Assurance, from Observations on Life Assurance Societies, and Savings Banks (1851); Arthur Reade, Before the Wedding Ring, Policy-holder (1885); [Pelican], Life Insurance. To Parents, Guardians, and others, desirous of securing a provision against Sudden Death, New-York Evening Post (1808); Equitable of New York [advertisement], Insurance Record (1874); Joseph Allen, There is Dust in Johns Eyes; or, American and British Life Insurance Offices Contrasted (1882); Review and correspondence concerning same, Post Magazine (1882); The Mutuals English Business, The Independent (1906)

Volume 2: Running a Life Insurance Company

Insurance as a Profession, Bankers Magazine (1893); Archibald Hewat, The Actuary in Scotland, Transactions of the Faculty of Actuaries (1902)*; Henry N Kaufman, Some Uses for the Hollerith Machines, Transactions (190910)*; Joel L English, Home Office Management, in Howard P Dunham (ed.), The Business of Insurance (1912); Article on new Prudential office by a lady clerk, Ibis Magazine (1879); Writing Machines, by a Caledonian Typist, Caledonian Jottings (1893); F A McKeans, The Palatial Halls of Insurance, Norwich Union Magazine (1897); Metropolitan Life Insurance Company, The Building, The Metropolitan Life Insurance Company (1914)*; Eagle and Protector Life Assurance Company, Observations for the Use of the Agents (1847); Advice to Insurance Agents, Insurance Gazette (c.1855); The LifeAssurance Agents Appeal [poem], Chamberss Journal of Popular Literature, Science and Art (1860); The Dodges of Life Insurance Agents, Sphinx (1869); E C Browne, Life Agencies: Thoughts and Suggestions concerning their Economic and Efficient Arrangement (1878)*; Bank Officials as Insurance Agents, Bankers Magazine (1888); Edward A Woods, Agency Management, in Howard P Dunham (ed.), The Business of Insurance (1912)*; The Absconding Secretary of the Trust Company, Brother Jonathan (1843); Profits and Premiums of Life Insurance, Hunts Merchants Magazine (1846); The Profits of JointStock Enterprise: Life Insurance, Economist (1869); Some Life Insurance Investments, Bankers Magazine (1896); Valuation of Life Insurance Policies, Hunts Merchants Magazine (1860); Lester William Zartman, The Character of the Investments, The Investments of Life Insurance Companies (1907); Annuities, Life Insurance, Tontines, etc, Hunts Merchants Magazine (1847); H W Andras, Endowment Assurance, Transactions of the Birmingham Insurance Institute (18945)*; Endowment Assurance, Bankers Magazine (1896); The Capabilities of Endowment Assurance and Annuities, English Review (1913); Benefit Societies versus Savings Banks and Insurance Companies: An Address to the Members of Benefit Societies and the Public in General (2nd ed. 1822); The Relative Merits of Life Insurance and Savings Banks, Hunts Merchants Magazine (1851); [response 1] Mr A B Johnson on Life Insurance, New York Times (1851); [response 2] Life Insurance, Hunts Merchants Magazine (1852); Charles Jellicoe, The Life Assurance Controversy, Assurance Magazine (1853); No. 32. An Act in Amendment of An Act Relating to Insurance on Lives by Foreign Corporations, Approved November 23, 1852, The Acts and Resolves Passed by the General Assembly of the State of Vermont, at the October Session, 1854 (1854); Moses L Knapp, Lectures on the Science of Life Insurance (1853)*; A K Rodger, The Race for Records, Transactions of the Insurance and Actuarial Society of Glasgow (1900); Life Insurance, Hallowell Gazette (1826); Life Assurance, Monthly Review (1841)*; Insurance and Assurance, All the Year Round (1865); The Failure of the Albert Insurance Company, Economist (1869); An Insurers Grievance, London Times (1869); The European Assurance Case and the Necessity for Government Inspection, Economist (1869); Life Insurance, Galaxy (1877); Life Assurance, Economist (1853); The First American Life Underwriters Convention, United States Insurance Gazette and Magazine of Useful Knowledge (1859)*; Proceedings of the Life Insurance Convention, Insurance Gazette (1860)*; Paul v. Virginia (1869); W R Malcolm, and R G C Hamilton, Report to

*text is excerpted

the Board of Trade upon the Accounts and Statements of Life Assurance Companies, Journal of the Institute of Actuaries (1875); H R Harding, British Life Assurance Companies and Colonial Legislation, Post Magazine (1895); William Brosmith, State Laws, in Howard P Dunham (ed.), The Business of Insurance (1912); Lester William Zartman, (ed.), Deferred Dividend Policies, Life Insurance (1909); Insurance Probers Seek These Reforms, New York Times (1906); Sydney Brooks, The Big Three, 19051912, North American Review (1912); The Widow and the Fatherless, Catholic Telegraph (1840); Arthur Scratchley, letter to Daily News calling for married womens act in Britain and comment on same in Post Magazine (1863)*; Thomas Bond Sprague, On the Grant of Settlement Policies under the Married Womens Property Acts, 1870 & 1882, Journal of the Institute of Actuaries (1883)

Volume 3: Mortality and Risk

John Adams Higham, On the Value of Selection amongst Assured Lives (1850); The First American Life Underwriters Convention, United States Insurance Gazette and Magazine of Useful Knowledge (1859)*; Proceedings of the Life Insurance Convention, Insurance Gazette (1860)*; Vital Statistics. Importance of Registration, Insurance Monitor (1867); Henry Moir, Mortality Tables, in Lester William Zartman (ed.), Life Insurance (1909); John Sandford, Massachusetts Insurance Commission Report, Insurance Record (1869); Samuel Brown, Preface, from The Mortality Experience of Life Assurance Companies (1869)*; The Institute of Actuaries New Mortality Experience Tables, Insurance Record (1903); Lewis Pocock, A Familiar Explanation of the Nature, Advantages, and Importance of Assurances upon Lives, and the Various Purposes to which they may be Usefully Applied (1842)*; Comparative Rates of Domestic and Foreign Life Insurance, Hunts Merchants Magazine (1859); Life Assurance Premiums Charged by Various Companies (1910)*; J Burnett Gibb, Premium Rates: Their Calculation and Relation to Other Elements of the Policy Contract, in Howard P Dunham (ed.), The Business of Insurance (1912)*; Insurance and Assurance, New Monthly Magazine (1825); David Hughes, A Treatise on the Law Relating to Insurance (1833)*; Editorial and correspondence on medical fees, Lancet (1849); William Brinton, On the Medical Selection of Lives for Assurance (1856)*; T Glover Lyon, Some Medical Points of Difference between Life Assurance in the United States of America and in England, Transactions of the Life Assurance Medical Officers Association (1895); Clark W Davis, Medical Examinations, in Howard P Dunham (ed.), The Business of Insurance (1912); Levi G Fouse, The Policy, Howard P Dunham (ed.), ibid.; Form 6 Ordinary Life Policy and Form 8 Medical Application for Life Insurance in Dunham (ed.), ibid.; Mazyck P Ravenel, The Warfare against Tuberculosis, Proceedings of the American Philosophical Society (1903); Consumption and Present Standards in Medical Selection, Abstract of the Proceedings of the Association of Life Insurance Medical Directors of America (1906); James Barr, On Some of the Medical Aspects of Life Insurance, British Medical Journal (1908); Irving Fisher, Economic Aspects of Lengthening Human Life, in Lester William Zartman (ed.), Life Insurance (1909); Rush, To William Bard, Esq, President of the New York Life Insurance and Trust Company, New York Evangelist (1830); J Broomhall, Temperance and Life Assurance, Centennial Temperance

Volume (1877); Norman Kerr, Inebriety and Insurance, Post Magazine (1893); Liquor and Life Insurance, The New Light (1902); Proportionate Longevity of the Two Sexes, Journal of Health (1831); Death Busy among the Bachelors, Insurance Monitor (1867); Travelling and Life Insurance and response from Justitia, London Times (1867); Life Insurance in California, Insurance Monitor (1869); Barrett vs. The Conn. Mutual Life. Counsels Statement of the Case, Insurance Monitor Supplement (1869); C R Francis, Life-Assurance and Residence in Hot Climates, Lancet (1878); Notes on Female Risks, Abstract of the Proceedings of the Association of Life Insurance Medical Directors of America (1906); Harold Edward William Lutt, On Extra Premiums, Journal of the Institute of Actuaries (1907)*; War Risks of Life InsuranceLetter from Elizur Wright, Hunts Merchants Magazine (1861); Mutual Benefit Life Insurance Company of Newark, NJCircular to Southern Agents in Relation to their Operations, Insurance Gazette (1861); Life Insurance War Risks, Insurance Gazette (1862); Abstract of the Ninth Annual Report of the Insurance Commissioners of Massachusetts, Insurance Gazette (1864)*; Officers in the Army and Insurance Companies, Morning Post (1885); Review of Frederick Schooling and Edward A Rusher, The Mortality Experience of the Imperial Forces during the War in South Africa, Journal of State Medicine (1903); Lecture by John Hitchman opposing suicide clause, in Lancet (1848); Important Cases in Life Insurance, from the English Common Law Reports: Borradaile v. Hunter, Bankers Magazine and Statistical Register (1849); Suicide and Dueling, Insurance Monitor (1869)*; Life Assurance, Atlantic Monthly (1866)*; Editorial, Insurance Record (1878); Life Assurance and Suicide, British Medical Journal (1894); Lord v. Dall (1815); Editorial, Bankers Circular and Monetary Times (1830); Assurance and Insurance, London Saturday Journal (1839); Gaming, Betting, Lotteries, and Insurance, Chambers Edinburgh Journal (1852); Abstract of the Ninth Annual Report of the Insurance Commissioners of Massachusetts: Insurable Interest, Insurance Gazette (1864)*; Practical Points. Life Insurance, The New-York Legal Observer (1843); Attempt to Swindle a Life Insurance Company, Insurance Monitor (1867); A Philadelphia Life Ins. Fraud, Insurance Monitor (1867); Union Mutual Life Insurance Co.Fraudulent Representations, Insurance Monitor (1869); Comment on Argus Life case, London Times (1846); Comment on the London Indisputable company, Post Magazine (1851); Novel Life Insurance Case, Hunts Merchants Magazine (1857); Insurance Legal Decision. Life Insurance Important Case, Insurance Gazette (18612); Unjust Toleration. A Warning to Life Insurance Companies, Insurance Monitor (1867); Illustrated Life and Career of William Palmer of Rugeley (1856)*; Does a Man Shorten his Life by Insuring It?, Hunts Merchants Magazine (1856); Henry Mayhews Inquiries into Suspicious Deaths, United States Insurance Gazette and Magazine of Useful Knowledge (1856); Another Life Insurance Horror, Insurance Monitor (1879)

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