The essence of insurance is to gather everyone's strength. If one person is in trouble, everyone will help each other. It is also what people often say, "I am for everyone and everyone is for me."
Insurance in the modern sense originated from the need of maritime transportation.
As early as 2000 BC, when merchants sailing in the Mediterranean were shipwrecked, in order to avoid the mutual destruction of ships and goods, they often abandoned some goods, and the losses were shared by all parties, forming the principle of "one person owns all, one person owns all" and becoming the bud of marine insurance.
The earliest insurance policy was issued by Luc Willen, a Genoese businessman, on 1347, 10/23 October to undertake the voyage of the ship "Santa Clara" from Genoa to Macciocca.
Hamburg Fire Insurance Association, founded in 1676, is the earliest organization specializing in insurance.
/kloc-after the 0/8th century, the insurance industry developed rapidly and the types of insurance increased. /kloc-in the 0/9th century, insurance entered a modern period, and the scope of insurance not only included traditional property losses and personal injuries, but also extended to life insurance, liability insurance, credit insurance and reinsurance.
The earliest insurance institution in China is Guangzhou Insurance Company, which was established in Guangzhou by British businessmen on 1805.
The earliest insurance companies of national capital in China are Renhe and Jihe, which were established by China Merchants 1885.
The first life insurance company established by China people was Hua 'an Hequn Life Insurance Co., Ltd. operated by former president Li Hongyuan.
Today, when mankind is about to enter the 2 1 century, insurance companies, like banks, have become an indispensable part of people's lives. Among them, life insurance provides a clear guarantee for people's life safety. In the sense of ensuring people's life safety, insurance companies are more important than banks.