The world’s first insurance fund was created in Scotland, in 1744 by ministers Robert Wallace and Alexander Webster. Wallace and Webster were unhappy with the way the families of those who had departed were treated postmortem and therefore came up with a system in which a fund was created by collecting premiums, with the fund then invested, and the widows, widowers, and orphans paid out by the returns and interest generated from the investment, with the principal continuing to remain invested an...
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