Viviana Zelizer

That's the way inventions are and so a lot of insurance policies today have cash values.

The third thing I was going to report was sociologist Viviana Zelizer wrote a book about life insurance sales in the nineteenth century.

She found that there was a lot of resistance to purchase of life insurance in the nineteenth century.

She tried to study it and tried to figure out how it was that life insurance became more and more important over that century.