Why did Mahatma Gandhi adopt Feroze Khan

The thesis deals with the development of life insurance in India since its earliest establishment. It turns out that the first transfer of knowledge from Great Britain was carried out by a group of Scottish business people. It was only with the establishment of mortality classes that were not shaped by racial criteria that the insurance of locals became possible. The Oriental Governmental Security Life Assurance Company was the defining insurance company until the 1950s. Evidence for this are the mortality tables she has drawn up, as well as the special importance that was attached to the Cowasjee Jehangir's report. Up until the inter-war period, Indian insurance companies had ousted British insurance offers from the market. The Insurance Act of 1938, which was closely based on the Canadian model, gave India an autonomous legislative framework. Economic decolonization had already taken place here before the Second World War. The nationalization of life insurance in 1956 did not take place in order to exclude foreign competition from the market, rather it was a reaction to the dubious business conduct of a minority of Indian life insurance companies. As a result, the nationalization led to the lack of necessary renewal and expansion steps in the Indian life insurance industry. Notable are the non-introduction of new types of insurance (health insurance), the failure to expand life insurance to other target groups (people at particularly high risk, poor social classes, women) and the failure to establish computers. The Life Insurance Corporation of India, which was founded after the nationalization, did not succeed in achieving a lasting balance between the needs of the market, the expectations of politicians and the interests of their employees. When in doubt, the management followed the expectations of the politicians and avoided confrontations with the employees. It was not until the 1980s that the needs of the market came to the fore again. Only outwardly did the Life Insurance Corporation of India appear to be a unified structure; internally, the individual levels developed a considerable degree of autonomy. Although a goal of nationalization was to expand life insurance to more rural areas, it did not succeed. Although the state insurance company opened numerous branches, the share of rural regions in the overall business gradually decreased. The private life insurance companies had pushed the rural business less, but had been more successful in this. For the majority of Indian policyholders, the provision for their sons' education was an essential reason to insure themselves. At first, life insurance could not do justice to this special precautionary concept. For the first time, the 'money-back scheme' of the 1970s, which combined life and survival insurance, offered a type of insurance specially tailored to this Indian need. The liberalization of the insurance industry in the 1990s did not come about as a reaction to efforts by the IMF, but rather as a result of pressure from the industry itself. A stronger orientation towards the United States was a major trigger for the reforms.

The work deals with the development of life insurance in India from its earliest establishment. It turns out that the first transfer of knowledge from the UK was done by a group of Scottish businessmen. The establishment of mortality classes, which were not influenced by racial criteria, enabled the insurance of natives. Leading insurance company was up to the 1950s the Oriental Life Assurance Company Governmental Security. Indications are their market share, threads of their mortality tables, as well as the special importance was attached by the report of their chairman Cowasjee Jehangir. Indian insurance companies had superseded British and international insurance companies in India at the inter war period. By the Insurance Act of 1938, which is based heavily on the model of Canada, India got an autonomous legislative framework. Here an economic decolonization had taken place already before the Second World War. The nationalization of the life insurance in 1956 was not sufficient to exclude foreign competitors from the market; rather it was a reaction to the dubious business practices of a minority of Indian life insurance companies. In its follow-up the nationalization led to the absence of necessary renewal and extension steps of the Indian life insurance industry. Examples are the non-implementation of new types of insurance (health insurance), the lack of expansion of life insurance to other target groups (people with a particularly high risk, poor social classes, or women) and non-establishment of computers. The Life Insurance Corporation of India (LIC), which was founded after the nationalization, had to balance between the needs of the market, the expectations of the politic and the interests of their employees. If in doubt, the LIC follow the expectations of the politic and avoided confrontations with employees. Merely in the 1980s, the needs of the market were again moved increasingly to the fore. Only at the outside of the LIC seemed to be a single entity. At the inside the individual levels developed a considerable degree of autonomy. It had been a goal of nationalization to spread life insurance to more rural areas. Although the LIC opened many branch offices, the proportion of rural regions in the overall business seceded. The private life insurance companies before nationalization had been pushing their rural business less, but were here more successful. For a large part of India's policyholders their pension and the care for the education of the children were major reasons to assure. Immediately after the nationalization life insurance was not able to fulfill these insurance needs. For the first time the "Money back scheme" of the 1970s, which combined death and endowment insurance, enabled insurance for that. Here Indian life insurance technology took its own way for the first time. The liberalization of the insurance industry in the 1990s was not in response to efforts by the IMF, but was a result of pressure from within the industry. A stronger orientation of the management towards the United States was a key trigger of the reforms. Today India’s insurance industry unifies the tradition of its specific Indian insurance history as well as the methods of the international insurance companies which have entered the market since liberalization.

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