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Insurance and income growth: The case of Sweden 1830-1950
Umeå universitet, Samhällsvetenskaplig fakultet, Ekonomisk historia.
Umeå universitet, Samhällsvetenskaplig fakultet, Ekonomisk historia.
Umeå universitet, Samhällsvetenskaplig fakultet, Ekonomisk historia.ORCID-id: 0000-0002-3293-2318
(engelsk)Oppgave
Abstract [en]

In this paper we investigate supply and demand factors that have been put forward to explain the growth of insurance markets during the financial revolution. We conclude that income growth, urbanisation, changes in risk and price are not sufficient to explain Swedish insurance market growth prior to 1900. Instead, we argue that cultural factors, i.e. the dismantling of ideas and business cultures based on the estates of the realms was essential for explaining the growth of insurance markets foremost between 1855 and 1900.

sted, utgiver, år, opplag, sider
Umeå: Institutionen för ekonomisk historia, Umeå universitet.
Emneord [en]
Insurance history, insurance, the financial revolution, Swedish economic history, household budget survey, historical national accounts
HSV kategori
Identifikatorer
URN: urn:nbn:se:umu:diva-19950OAI: oai:DiVA.org:umu-19950DiVA, id: diva2:207800
Presentation
(engelsk)
Uppsök

Tilgjengelig fra: 2009-03-12 Laget: 2009-03-12 Sist oppdatert: 2015-03-05
Inngår i avhandling
1. The Making of the Swedish Life Insurance Market 1855-1914
Åpne denne publikasjonen i ny fane eller vindu >>The Making of the Swedish Life Insurance Market 1855-1914
2008 (engelsk)Licentiatavhandling, med artikler (Annet vitenskapelig)
Abstract [en]

This licentiate thesis examines the development of the life insurance industry during the period 1855-1914. The aim with the study is to recognise dimensions not frequently addressed by previous research on the insurance industry, namely the impact of social dimensions, including the implicit and explicit economic importance of social movements and the diffusion of knowledge in society at large for the development of the life insurance industry. The study shows that income and price had limited importance in explaining the demand for life insurance before the 20th century and that this can be attributed to a lack of sufficient knowledge regarding financial issues and to a far too high access cost in acquiring a life insurance for a large part of society. The development of the life insurance industry must therefore be understood through improved knowledge both on the part of the life insurance companies and on part of the consumers. The licentiate further shows how diffusion of knowledge throughout society also was due to a diffusion of democratic ideas and the rise of social movements, movements that life insurance actors were a part of. These actions helped open up the financial market for the masses and probably also strengthened the trust towards the industry. It is however hard to dismiss the life insurance actors’ engagement in women’s movement as a cover-up for other disguised motives not so honourable, while a direct economic gain for the life insurance industry is hard to establish.

Publisher
s. 96
Serie
Occasional Papers in Economic History, ISSN 1653-7475 ; 15, 2008
Emneord
Economic history, life insurance, demand, price elasticity, income elasticity, married women’s property rights, social movement
HSV kategori
Forskningsprogram
ekonomisk historia
Identifikatorer
urn:nbn:se:umu:diva-19951 (URN)881253 (Lokal ID)881253 (Arkivnummer)881253 (OAI)
Presentation
(svensk)
Opponent
Veileder
Tilgjengelig fra: 2009-03-13 Laget: 2009-03-12 Sist oppdatert: 2019-02-15bibliografisk kontrollert

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