The origins of life insurance dates all the way back to the ancient Romans back in 100 B.C, however, in the
United States, life insurance can be traced back to 1759. In the period between 1787 and 1837, twenty-
six companies offered life insurance to the public, where the industry took form and evolved into what we
have today. The life insurance industry has since flourished and tried to accomplish many things over the
centuries, such as protecting loved ones, gaining from tax benefits, enabling wealth transfer, and for
financial planning purposes. These core reasons continue to persist today and drive the life insurance
industry.
This report will take a multi-dimensional look at the insurance industry for those seeking an
understanding. Matters such as why people buy life insurance, the type of products that exist in the
marketplace, the technology ecosystem that has been developed, and other critical matters.
This is the first in a multi-part series looking across the industry from these perspectives. The series will
address topical areas such as the Industry, Life Insurance Technology, Distribution Models, and the
Future. We recommend the series be read in its entirety.
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