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Postmodernism: The Basis of Insurance

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Insurance practices are often depicted as being based on objective, “scientific” knowledge, and informed by carefully modeled rational actor theories that are embedded in clearly written contracts. This article seeks to displace these notions with a more realistic account. From underwriting, to the creation of actuarial tables, the structuring of programs, and contract analysis, insurance practices are predicated on stories of risk and responsibility. By acknowledging and examining these stories, we come to a greater understanding of why insurance practices take the various forms that they do, and also realize the potential for changing them in ways that are more profitable for the companies and more inclusive and protective for the public.
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Document Type: Research Article

Publication date: 2003-09-01

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