Perihal Perkembangan Asuransi

Perlindungan Maksimal dari Allianz Allisya Protection Plus Pofika kumapeto kwa zaka zana ndi zisanu ndi ziwiri zapakati pa sevente, kupititsa patsogolo kwa London kwachitukuko kwa malonda kunali kuonjezera kufuna kwa inshuwalansi yamadzi. Chakumapeto kwa zaka za m’ma 1680, Edward Lloyd adatsegula nyumba ya khofi, yomwe inakhala malo osonkhana kwa magulu a malonda ogulitsa mafakitale omwe akufuna kuonetsetsa katundu ndi sitima, ndi omwe akufuna kulemba malondawa. Kuyamba kosavomerezeka kumeneku kunayambitsa kukhazikitsidwa kwa msika wa inshuwalansi Lloyd’s wa London ndi mabungwe ambiri ogulitsa katundu ndi inshuwalansi. Inshuwalansi ya moyo woyamba inshuwalansi inatengedwa kumayambiriro kwa zaka za zana la 18. Kampani yoyamba yopereka inshuwalansi ya moyo inali Amicable Society ku Perpetual Assurance Office, yomwe inakhazikitsidwa ku London mu 1706 ndi William Talbot ndi Sir Thomas Allen.78 Edward Rowe Mores anakhazikitsa Society for Equitable Assurances on Life and Survivorship mu 1762. dziko loyamba la inshuwalansi ndipo linapanga malipiro a zaka zapakati pa chiwerengero cha anthu akufa omwe ali “maziko a inshuwalansi zachithunzi ndi chitukuko” ndi “maziko a chitsimikizo cha moyo wamakono omwe mapulani onse a zokhudzana ndi moyo adakhazikitsidwa.” Perihal Perkembangan Asuransi

Perihal Perkembangan Asuransi 9 Chakumapeto kwa zaka za m’ma 1900 “inshuwalansi yowopsa” inayamba kupezeka.10 Kampani yoyamba kupereka inshuwalansi ya ngozi ndi Railway Passengers Assurance Company, yomwe inakhazikitsidwa mu 1848 ku England kuti iwonetsere kuti chiwerengero cha anthu omwe amwalira pa sitima yapamtunda. Pofika kumapeto kwa maboma a zaka za zana la 19 anayamba kuyambitsa ndondomeko za inshuwalansi za dziko zotsutsa matenda ndi ukalamba. Germany inamangidwa pa mwambo wa mapulogalamu abwino ku Prussia ndi Saxony yomwe inayamba kumayambiriro kwa zaka za m’ma 1840. M’zaka za m’ma 1880, Chancellor Otto von Bismarck anapeza ndalama za penshoni, inshuwalansi ya ngozi komanso chithandizo chamankhwala chomwe chinayambitsa maziko a dziko la Germany.1112 Ku Britain malamulo ochulukirapo adayambitsidwa ndi boma la ufulu mu 1911 National Insurance Act. Izi zinapatsa a British ntchito yoyamba pulogalamu ya inshuwalansi yokhudza matenda ndi umphawi.13 Njirayi inakula kwambiri pambuyo pa nkhondo yachiwiri yapadziko lonse potsatira chidziwitso cha Beveridge, kuti ikhale yoyamba yamtendere. Perihal Perkembangan Asuransi