Today, the contributions can be transferred either annually, quarterly or monthly. (Similarly see: Dropbox). In addition, the contributions to the insurance are within a few days on the account of the insurer. The risk can be estimated effectively with the health issues. You should also bear in mind when comparing that health examination in ancient times has played only a minor role. First and foremost applications were rejected of course, harmful could go out for the cash. These include requests from sterbenskranken people but also people who are often exposed to a greater risk. Also here chose insurance companies or funds already aware between healthy and low-risk members and members, which could possibly drive the Association to ruin. Most insurers, differentiated and ruled the contributions for the corresponding risk.
In the 5th century at the latest, she leaned Roman rule over the Mediterranean toward the end. Many death funds died a natural death either by missing members or by a large number of insurance cases. Often, the fall of Rome is represented particularly dramatic. “Ultimately, Rome fell in a day and therefore are concepts such as decline” or end “of the Roman Empire with caution to enjoy. These terms were only marked by the later history of the early modern period, a time in which one looked down and repeatedly stressed the achievements of the Romans and Greeks to the middle ages.
But what are the achievements in the area of life insurance? Basically, it is not wrong if it is said that the death registers of antiquity and Greek in the development of the insurance industry have played only a minor role in the 19th century. However, shows already in ancient times, there were great efforts among the people, to spread the risk of the individual on the shoulders of many. This is probably also the reason why the life insurance or comparable organisations never could lose importance. In ancient times, what were the death registers, the guilds were the Fruhmitttelalter and in the high middle ages the guilds. At the end can be said however, that several centuries after the end of the Roman Empire-no evidence of death funds be found. The first primary sources on this subject appear only in the early Middle Ages to the time of Charlemagne in the 9th century. At that time, the Emperor wrote to the guilds and they warned a merger, so that the two large pillars were not endangered then belief, Church, and State. In particular, the Church should play an important role in the development of life insurance in the middle ages.