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135-539: Its eight operating companies offer individual life , disability , and long-term care insurance , and annuities . For businesses, they offer employee benefits , retirement plans , and group insurance . They operate throughout the United States except in New York. OneAmerica Companies maintain "superior" financial ratings from A.M. Best and Standard and Poor's . Started as a life insurance group in 1877 by

270-414: A cash value up to its date of maturation. The owner can access the money in the cash value by withdrawing money, borrowing the cash value, or surrendering the policy and receiving the surrender value. The three basic types of permanent insurance are whole life , universal life , and endowment . Whole life insurance provides lifetime coverage for a set premium amount. Universal life insurance (ULl)

405-626: A classical republic and then to an increasingly autocratic military dictatorship during the Empire. Ancient Rome is often grouped into classical antiquity together with ancient Greece , and their similar cultures and societies are known as the Greco-Roman world . Ancient Roman civilisation has contributed to modern language, religion, society, technology, law, politics, government, warfare, art, literature, architecture, and engineering. Rome professionalised and expanded its military and created

540-511: A rider . If a rider is purchased, the policy generally pays double the face amount if the insured dies from an accident. This was once called double indemnity insurance . In some cases, triple indemnity coverage may be available. Ancient Rome In modern historiography , ancient Rome is the Roman civilisation from the founding of the Italian city of Rome in the 8th century BC to

675-455: A "brand refresh", including an updated logo and the company's first national advertising campaign doing business as OneAmerica Financial. OneAmerica Financial has served as the 500 Festival Mini-Marathon 's title sponsor since 2004; the sponsorship is set to expire in 2024. In 2015, the company signed a four-year naming-rights partnership to become the title sponsor of Indianapolis Colts gameday radio broadcasts. OneAmerica Financial sponsored

810-416: A $ 100,000 policy in the competitive US life insurance market. Most of the revenue received by insurance companies consists of premiums, but revenue from investing the premiums forms an important source of profit for most life insurance companies. Group insurance policies are an exception to this. In the United States, life insurance companies are never legally required to provide coverage to everyone, with

945-738: A Gallic army under the leadership of tribal chieftain Brennus , defeated the Romans at the Battle of the Allia and marched to Rome. The Gauls looted and burned the city, then laid siege to the Capitoline Hill, where some Romans had barricaded themselves, for seven months. The Gauls then agreed to give the Romans peace in exchange for 1000 pounds of gold. According to later legend, the Roman supervising

1080-406: A Republic. Augustus ( r.  27 BC – AD 14 ) gathered almost all the republican powers under his official title, princeps , and diminished the political influence of the senatorial class by boosting the equestrian class . The senators lost their right to rule certain provinces, like Egypt, since the governor of that province was directly nominated by the emperor. The creation of

1215-507: A banquet for its notable citizens, after which his soldiers killed all the guests. From the security of the temple of Sarapis, he then directed an indiscriminate slaughter of Alexandria's people. In 212, he issued the Edict of Caracalla , giving full Roman citizenship to all free men living in the Empire, with the exception of the dediticii , people who had become subject to Rome through surrender in war, and freed slaves. Mary Beard points to

1350-425: A baseline for the cost of insurance, but the health and family history of the individual applicant is also taken into account (except in the case of Group policies). This investigation and resulting evaluation is termed underwriting . Health and lifestyle questions are asked, with certain responses possibly meriting further investigation. Specific factors that may be considered by underwriters include: Based on

1485-459: A certain age limit. Some policies also pay out in the case of critical illness. Policies are typically traditional with-profits or unit-linked (including those with unitized with-profits funds). Endowments can be cashed in early (or surrendered) and the holder then receives the surrender value which is determined by the insurance company depending on how long the policy has been running and how much has been paid into it. Accidental death insurance

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1620-777: A combination of treaties and military strength. It eventually controlled the Italian Peninsula, assimilating the Greek culture of southern Italy ( Magna Grecia ) and the Etruscan culture, and then became the dominant power in the Mediterranean region and parts of Europe. At its height it controlled the North African coast, Egypt , Southern Europe, and most of Western Europe, the Balkans , Crimea , and much of

1755-483: A free path to reestablish his own power. In 83 BC he made his second march on Rome and began a time of terror: thousands of nobles, knights and senators were executed. Sulla held two dictatorships and one more consulship, which began the crisis and decline of Roman Republic. In the mid-1st century BC, Roman politics were restless. Political divisions in Rome split into one of two groups, populares (who hoped for

1890-672: A half century after these events, Carthage was left humiliated and the Republic's focus was now directed towards the Hellenistic kingdoms of Greece and revolts in Hispania . However, Carthage, having paid the war indemnity, felt that its commitments and submission to Rome had ceased, a vision not shared by the Roman Senate . The Third Punic War began when Rome declared war against Carthage in 149 BC. Carthage resisted well at

2025-516: A hundred days. These games included gladiatorial combats , horse races and a sensational mock naval battle on the flooded grounds of the Colosseum. Titus died of fever in 81 AD, and was succeeded by his brother Domitian . As emperor, Domitian showed the characteristics of a tyrant . He ruled for fifteen years, during which time he acquired a reputation for self-promotion as a living god. He constructed at least two temples in honour of Jupiter,

2160-628: A large proletariat often of impoverished farmers. The latter groups supported the Catilinarian conspiracy —a resounding failure since the consul Marcus Tullius Cicero quickly arrested and executed the main leaders. Gaius Julius Caesar reconciled the two most powerful men in Rome: Marcus Licinius Crassus , who had financed much of his earlier career, and Crassus' rival, Gnaeus Pompeius Magnus (anglicised as Pompey), to whom he married his daughter . He formed them into

2295-463: A life insurance company would have to collect approximately $ 50 a year from each participant to cover the relatively few expected claims. (0.35 to 0.66 expected deaths in each year × $ 100,000 payout per death = $ 35 per policy.) Other costs, such as administrative and sales expenses, also need to be considered when setting the premiums. A 10-year policy for a 25-year-old non-smoking male with preferred medical history may get offers as low as $ 90 per year for

2430-405: A loan secured by real property and usually features a level premium amount for a declining policy face value because what is insured is the principal and interest outstanding on a mortgage that is constantly being reduced by mortgage payments. The face amount of the policy is always the amount of the principal and interest outstanding that are paid should the applicant die before the final installment

2565-538: A long time to reach the north west coast, and in 60 AD he finally crossed the Menai Strait to the sacred island of Mona ( Anglesey ), the last stronghold of the druids . His soldiers attacked the island and massacred the druids: men, women and children, destroyed the shrine and the sacred groves and threw many of the sacred standing stones into the sea. While Paulinus and his troops were massacring druids in Mona,

2700-655: A military leader to defeat the Cimbri and the Teutones , who were threatening Rome. After Marius's retirement, Rome had a brief peace, during which the Italian socii ("allies" in Latin) requested Roman citizenship and voting rights. The reformist Marcus Livius Drusus supported their legal process but was assassinated, and the socii revolted against the Romans in the Social War . At one point both consuls were killed; Marius

2835-658: A new informal alliance including himself, the First Triumvirate ("three men"). Caesar's daughter died in childbirth in 54 BC, and in 53 BC, Crassus invaded Parthia and was killed in the Battle of Carrhae ; the Triumvirate disintegrated. Caesar conquered Gaul , obtained immense wealth, respect in Rome and the loyalty of battle-hardened legions. He became a threat to Pompey and was loathed by many optimates . Confident that Caesar could be stopped by legal means, Pompey's party tried to strip Caesar of his legions,

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2970-519: A pair of tribunes who attempted to pass land reform legislation that would redistribute the major patrician landholdings among the plebeians. Both brothers were killed and the Senate passed reforms reversing the Gracchi brother's actions. This led to the growing divide of the plebeian groups ( populares ) and equestrian classes ( optimates ). Gaius Marius soon become a leader of the Republic, holding

3105-538: A period of turbulence. Archaeological evidence implies some degree of large-scale warfare. According to tradition and later writers such as Livy , the Roman Republic was established c.  509 BC , when the last of the seven kings of Rome, Tarquin the Proud , was deposed and a system based on annually elected magistrates and various representative assemblies was established. A constitution set

3240-405: A policy is the policy owner, while the insured is the person whose death will trigger payment of the death benefit. The owner and insured may or may not be the same person. For example, if Joe buys a policy on his own life, he is both the owner and the insured. But if Jane, his wife, buys a policy on Joe's life, she is the owner and he is the insured. The policy owner is the guarantor and they will be

3375-580: A prelude to Caesar's trial, impoverishment, and exile. To avoid this fate, Caesar crossed the Rubicon River and invaded Rome in 49 BC. The Battle of Pharsalus was a brilliant victory for Caesar and in this and other campaigns, he destroyed all of the optimates leaders: Metellus Scipio , Cato the Younger , and Pompey's son, Gnaeus Pompeius . Pompey was murdered in Egypt in 48 BC. Caesar

3510-453: A premium, either regularly or as one lump sum. The benefits may include other expenses, such as funeral expenses. Life policies are legal contracts and the terms of each contract describe the limitations of the insured events. Often, specific exclusions written into the contract limit the liability of the insurer; common examples include claims relating to suicide , fraud, war, riot, and civil commotion. Difficulties may arise where an event

3645-441: A profit. The cost of insurance is determined using mortality tables calculated by actuaries . Mortality tables are statistically based tables showing expected annual mortality rates of people at different ages. As people are more likely to die as they get older, the mortality tables enable insurance companies to calculate the risk and increase premiums with age accordingly. Such estimates can be important in taxation regulation. In

3780-619: A revolt in Mauretania and the Bar Kokhba revolt in Judea. This was the last large-scale Jewish revolt against the Romans, and was suppressed with massive repercussions in Judea. Hundreds of thousands of Jews were killed. Hadrian renamed the province of Judea " Provincia Syria Palaestina ", after one of Judea's most hated enemies. He constructed fortifications and walls, like the celebrated Hadrian's Wall which separated Roman Britannia and

3915-458: A rich Arabian city. Severus killed his legate, who was gaining respect from the legions; and his soldiers fell victim to famine. After this disastrous campaign, he withdrew. Severus also intended to vanquish the whole of Britannia. To achieve this, he waged war against the Caledonians . After many casualties in the army due to the terrain and the barbarians' ambushes, Severus himself went to

4050-646: A sea voyage to found a new Troy after the Trojan War . They landed on the banks of the Tiber River and a woman travelling with them, Roma, torched their ships to prevent them leaving again. They named the settlement after her. The Roman poet Virgil recounted this legend in his classical epic poem the Aeneid , where the Trojan prince Aeneas is destined to found a new Troy. Literary and archaeological evidence

4185-675: A series of checks and balances , and a separation of powers . The most important magistrates were the two consuls , who together exercised executive authority such as imperium , or military command. The consuls had to work with the Senate , which was initially an advisory council of the ranking nobility, or patricians , but grew in size and power. Other magistrates of the Republic include tribunes , quaestors , aediles , praetors and censors . The magistracies were originally restricted to patricians , but were later opened to common people, or plebeians . Republican voting assemblies included

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4320-1148: A signboard in downtown Indianapolis, a tradition that has continued to the present. In 1982, AUL moved into the AUL Tower , the tallest building completed in Indianapolis at the time. A longtime supporter of downtown Indianapolis redevelopment, OneAmerica was an investor in Circle Centre Mall . In 1994, the State Life Insurance Company joined AUL, as did the Pioneer Mutual Life Insurance Company in 1998. In 2000, AUL reorganized to form American United Mutual Insurance Holding Company and OneAmerica Financial Partners Inc. In 2010, OneAmerica purchased McCready and Keene, Inc. In 2014, OneAmerica purchased City National Bank's retirement services division. In 2015, OneAmerica purchased Bank of Montreal 's BMO Retirement Services. In 2024, OneAmerica announced

4455-740: A similar fund in 1769. Between 1787 and 1837 more than two dozen life insurance companies were started, but fewer than half a dozen survived. In the 1870s, military officers banded together to found both the Army ( AAFMAA ) and the Navy Mutual Aid Association (Navy Mutual), inspired by the plight of widows and orphans left stranded in the West after the Battle of the Little Big Horn , and of the families of U.S. sailors who died at sea. The person responsible for making payments for

4590-697: A statue of Apollo and the temple of Divus Claudius ("the deified Claudius"), both initiated by Nero. Buildings destroyed by the Great Fire of Rome were rebuilt, and he revitalised the Capitol . Vespasian started the construction of the Flavian Amphitheater, commonly known as the Colosseum . The historians Josephus and Pliny the Elder wrote their works during Vespasian's reign. Vespasian

4725-546: A system of government called res publica , the inspiration for modern republics such as the United States and France . It achieved impressive technological and architectural feats, such as the empire-wide construction of aqueducts and roads , as well as more grandiose monuments and facilities. Archaeological evidence of settlement around Rome starts to emerge c.  1000 BC . Large-scale organisation appears only c.  800 BC , with

4860-497: A territory of some 780 square kilometres (300 square miles) with a population perhaps as high as 35,000. A palace, the Regia , was constructed c.  625 BC ; the Romans attributed the creation of their first popular organisations and the Senate to the regal period as well. Rome also started to extend its control over its Latin neighbours. While later Roman stories like the Aeneid asserted that all Latins descended from

4995-653: Is a relatively new insurance product, intended to combine permanent insurance coverage with greater flexibility in premium payments, along with the potential for greater growth of cash values. There are several types of universal life insurance policies, including interest-sensitive (also known as "traditional fixed universal life insurance"), variable universal life (VUL) , guaranteed death benefit , and has equity-indexed universal life insurance . Universal life insurance policies have cash values. Paid-in premiums increase their cash values; administrative and other costs reduce their cash values. Universal life insurance addresses

5130-565: Is a type of limited life insurance that is designed to cover the insured should they die as a result of an accident. "Accidents" run the gamut from abrasions to catastrophes but normally do not include deaths resulting from non-accident-related health problems or suicide. Because they only cover accidents, these policies are much less expensive than other life insurance policies. Such insurance can also be accidental death and dismemberment insurance or AD&D . In an AD&D policy, benefits are available not only for accidental death but also for

5265-784: Is any coverage that determines benefits based on actual losses whereas "assurance" is coverage with predetermined benefits irrespective of the losses incurred. Life insurance may be divided into two basic classes: temporary and permanent; or the following subclasses: term, universal, whole life , and endowment life insurance. Term assurance provides life insurance coverage for a specified term (usually 10–30 years). Term life insurance policies do not accumulate cash value, but are significantly less expensive than permanent life insurance policies with equivalent face amounts. Policyholders can save to provide for increased term premiums or decrease insurance needs (by paying off debts or saving to provide for survivor needs). Mortgage life insurance insures

5400-448: Is clear on there having been kings in Rome, attested in fragmentary 6th century BC texts. Long after the abolition of the Roman monarchy, a vestigial rex sacrorum was retained to exercise the monarch's former priestly functions. The Romans believed that their monarchy was elective, with seven legendary kings who were largely unrelated by blood. Evidence of Roman expansion is clear in the sixth century BC; by its end, Rome controlled

5535-520: Is not clearly defined, for example, the insured knowingly incurred a risk by consenting to an experimental medical procedure or by taking medication resulting in injury or death. Modern life insurance bears some similarity to the asset-management industry, and life insurers have diversified their product offerings into retirement products such as annuities . Life-based contracts tend to fall into two major categories: An early form of life insurance dates to Ancient Rome ; "burial clubs" covered

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5670-439: Is paid. Group life insurance (also known as wholesale life insurance or institutional life insurance ) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in its underwriting. Rather, the underwriter considers the size, turnover, and financial strength of

5805-432: Is reserved only for the healthiest individuals in the general population. This may mean, that the proposed insured has no adverse medical history, is not under medication, and has no family history of early-onset cancer , diabetes , or other conditions. Preferred means that the proposed insured is currently under medication and has a family history of particular illnesses. Most people are in the standard category. People in

5940-410: Is typically determined at the time the policy is purchased, and it is based on factors such as the policyholder's age, health, and occupation. The death benefit is only payable if the policyholder dies while the policy is in effect. If the policyholder outlives the policy, the death benefit is not paid, and the policy will typically expire. Some policies may allow the policyholder to receive a portion of

6075-507: Is usually taken by historians as the beginning of Roman Empire. Officially, the government was republican, but Augustus assumed absolute powers. His reform of the government brought about a two-century period colloquially referred to by Romans as the Pax Romana . The Julio-Claudian dynasty was established by Augustus . The emperors of this dynasty were Augustus, Tiberius , Caligula , Claudius and Nero . The Julio-Claudians started

6210-689: The Historia Augusta give many accounts of his notorious extravagance. Elagabalus adopted his cousin Severus Alexander , as Caesar, but subsequently grew jealous and attempted to assassinate him. However, the Praetorian guard preferred Alexander, murdered Elagabalus, dragged his mutilated corpse through the streets of Rome, and threw it into the Tiber. Severus Alexander then succeeded him. Alexander waged war against many foes, including

6345-519: The comitia centuriata (centuriate assembly), which voted on matters of war and peace and elected men to the most important offices, and the comitia tributa (tribal assembly), which elected less important offices. In the 4th century BC, Rome had come under attack by the Gauls , who now extended their power in the Italian peninsula beyond the Po Valley and through Etruria. On 16 July 390 BC,

6480-612: The Knights of Pythias , it became American Central Life Insurance Company in 1899. In 1904, American Central Life Insurance Company established its Reinsurance Division, which as of 2015 is the oldest life reinsurance company in the U.S. In 1930, Knights of Pythias separated the insurance program, creating United Mutual Life Insurance Company Inc. Then, in 1936, American Central and United Mutual merged to form American United Life Insurance Company (AUL). In 1957, American United Life Insurance Company started posting puns and funny sayings on

6615-665: The Praetorian Guard and his reforms in the military, creating a standing army with a fixed size of 28 legions, ensured his total control over the army. Compared with the Second Triumvirate's epoch, Augustus' reign as princeps was very peaceful, which led the people and the nobles of Rome to support Augustus, increasing his strength in political affairs. His generals were responsible for the field command, gaining such commanders as Marcus Vipsanius Agrippa , Nero Claudius Drusus and Germanicus much respect from

6750-649: The Roman naming conventions ) tried to align himself with the Caesarian faction. In 43 BC, along with Antony and Marcus Aemilius Lepidus , Caesar's best friend, he legally established the Second Triumvirate . Upon its formation, 130–300 senators were executed, and their property was confiscated, due to their supposed support for the Liberatores . In 42 BC, the Senate deified Caesar as Divus Iulius ; Octavian thus became Divi filius ,

6885-776: The collapse of the Western Roman Empire in the 5th century AD. It encompasses the Roman Kingdom (753–509 BC), the Roman Republic (509–27 BC), and the Roman Empire (27 BC–476 AD) until the fall of the western empire. Ancient Rome began as an Italic settlement, traditionally dated to 753 BC, beside the River Tiber in the Italian Peninsula . The settlement grew into the city and polity of Rome, and came to control its neighbours through

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7020-807: The "five good emperors" Nerva , Trajan , Hadrian , Antoninus Pius and Marcus Aurelius . Trajan, Hadrian, Antoninus Pius and Marcus Aurelius were part of Italic families settled in Roman colonies outside of Italy: the families of Trajan and Hadrian had settled in Italica ( Hispania Baetica ), that of Antoninus Pius in Colonia Agusta Nemausensis ( Gallia Narbonensis ), and that of Marcus Aurelius in Colonia Claritas Iulia Ucubi (Hispania Baetica). The Nerva-Antonine dynasty came to an end with Commodus , son of Marcus Aurelius. Nerva abdicated and died in 98 AD, and

7155-504: The 1980s and 1990s, the SOA 1975-80 Basic Select & Ultimate tables were the typical reference points, while the 2001 VBT and 2001 CSO tables were published more recently. As well as the basic parameters of age and gender, the newer tables include separate mortality tables for smokers and non-smokers, and the CSO tables include separate tables for preferred classes. The mortality tables provide

7290-715: The 2nd century BC, the Romans became the dominant people of the Mediterranean Sea . The conquest of the Hellenistic kingdoms brought the Roman and Greek cultures in closer contact and the Roman elite, once rural, became cosmopolitan. At this time Rome was a consolidated empire—in the military view—and had no major enemies. Foreign dominance led to internal strife. Senators became rich at the provinces ' expense; soldiers, who were mostly small-scale farmers, were away from home longer and could not maintain their land; and

7425-496: The CQV for the proceeds), was found liable in court for contributing to the wrongful death of the victim ( Liberty National Life v. Weldon , 267 Ala.171 (1957)). Special exclusions may apply, such as suicide clauses, whereby the policy becomes null and void if the insured dies by suicide within a specified time (usually two years after the purchase date; some states provide a statutory one-year suicide clause). Any misrepresentations by

7560-603: The Capitoline and expanding to the Forum Boarium located between the Capitoline and Aventine Hills . The Romans themselves had a founding myth , attributing their city to Romulus and Remus , offspring of Mars and a princess of the mythical city of Alba Longa . The sons, sentenced to death, were rescued by a wolf and returned to restore the Alban king and found a city. After a dispute, Romulus killed Remus and became

7695-544: The Carthaginian intercession, Messana asked Rome to expel the Carthaginians. Rome entered this war because Syracuse and Messana were too close to the newly conquered Greek cities of Southern Italy and Carthage was now able to make an offensive through Roman territory; along with this, Rome could extend its domain over Sicily . Carthage was a maritime power, and the Roman lack of ships and naval experience made

7830-675: The Directors tried to ensure that policyholders received a fair return on their investments. Premiums were regulated according to age, and anybody could be admitted regardless of their state of health and other circumstances. The sale of life insurance in the U.S. began in the 1760s. The Presbyterian Synods in Philadelphia and New York City created the Corporation for Relief of Poor and Distressed Widows and Children of Presbyterian Ministers in 1759; Episcopalian priests organized

7965-427: The Eastern part of the Roman territories. However, Marius's partisans managed his installation to the military command, defying Sulla and the Senate . To consolidate his own power, Sulla conducted a surprising and illegal action: he marched to Rome with his legions, killing all those who showed support to Marius's cause. In the following year, 87 BC, Marius, who had fled at Sulla's march, returned to Rome while Sulla

8100-413: The Empire in 165–180 AD. From Nerva to Marcus Aurelius, the empire achieved an unprecedented status. The powerful influence of laws and manners had gradually cemented the union of the provinces. All the citizens enjoyed and abused the advantages of wealth. The image of a free constitution was preserved with decent reverence. The Roman senate appeared to possess the sovereign authority, and devolved on

8235-463: The Flavian period was the siege and destruction of Jerusalem in 70 AD by Titus . The destruction of the city was the culmination of the Roman campaign in Judea following the Jewish uprising of 66 AD. The Second Temple was completely demolished, after which Titus' soldiers proclaimed him imperator in honour of the victory. Jerusalem was sacked and much of the population killed or dispersed. Josephus claims that 1,100,000 people were killed during

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8370-444: The Italian Alps , causing panic among Rome's Italian allies. The best way found to defeat Hannibal's purpose of causing the Italians to abandon Rome was to delay the Carthaginians with a guerrilla war of attrition, a strategy propounded by Quintus Fabius Maximus Verrucosus . Hannibal's invasion lasted over 16 years, ravaging Italy, but ultimately Carthage was defeated in the decisive Battle of Zama in October 202 BC. More than

8505-411: The Mediterranean, Italy maintained a special status which made it domina provinciarum ("ruler of the provinces"), and – especially in relation to the first centuries of imperial stability – rectrix mundi ("governor of the world") and omnium terrarum parens ("parent of all lands"). The Flavians were the second dynasty to rule Rome. By 68 AD, the year of Nero's death, there

8640-406: The Middle East, including Anatolia , Levant , and parts of Mesopotamia and Arabia . That empire was among the largest empires in the ancient world, covering around 5 million square kilometres (1.9 million square miles) in AD 117, with an estimated 50 to 90 million inhabitants, roughly 20% of the world's population at the time. The Roman state evolved from an elective monarchy to

8775-416: The Senate, they were severely restricted in political power. The Senate squabbled perpetually, repeatedly blocked important land reforms and refused to give the equestrian class a larger say in the government. Violent gangs of the urban unemployed, controlled by rival Senators, intimidated the electorate through violence. The situation came to a head in the late 2nd century BC under the Gracchi brothers,

8910-421: The US population male mortality rates of 1.3 per 1,000 at age 25 and 19.3 at age 65 (without regard to health or smoking status). Upon the insured's death, the insurer requires acceptable proof of death before it pays the claim. If the insured's death is suspicious and the policy amount is large, the insurer may investigate the circumstances surrounding the death before deciding whether it has an obligation to pay

9045-413: The above and additional factors, applicants will be placed into one of several classes of health ratings which will determine the premium paid in exchange for insurance at that particular carrier. Life insurance companies in the United States support the Medical Information Bureau (MIB), which is a clearing house of information on persons who have applied for life insurance with participating companies in

9180-439: The agreement of the original beneficiary. In cases where the policy owner is not the insured (also referred to as the celui qui vit or CQV), insurance companies have sought to limit policy purchases to those with an insurable interest in the CQV. For life insurance policies, close family members and business partners will usually be found to have an insurable interest. The insurable interest requirement usually demonstrates that

9315-500: The aid of Pyrrhus of Epirus in 281 BC, but this effort failed as well. The Romans secured their conquests by founding Roman colonies in strategic areas, thereby establishing stable control over the region. In the 3rd century BC Rome faced a new and formidable opponent: Carthage , the other major power in the Western Mediterranean. The First Punic War began in 264 BC, when the city of Messana asked for Carthage's help in their conflicts with Hiero II of Syracuse . After

9450-427: The architect Apollodorus of Damascus . He remodelled the Pantheon and extended the Circus Maximus . When Parthia appointed a king for Armenia without consulting Rome, Trajan declared war on Parthia and deposed the king of Armenia. In 115 he took the Northern Mesopotamian cities of Nisibis and Batnae , organised a province of Mesopotamia (116), and issued coins that claimed Armenia and Mesopotamia were under

9585-415: The arts and sciences, and bestowed honours and financial rewards upon the teachers of rhetoric and philosophy . On becoming emperor, Antoninus made few initial changes, leaving intact as far as possible the arrangements instituted by his predecessor. Antoninus expanded Roman Britannia by invading what is now southern Scotland and building the Antonine Wall . He also continued Hadrian's policy of humanising

9720-549: The authority of the Roman people. In that same year, he captured Seleucia and the Parthian capital Ctesiphon (near modern Baghdad ). After defeating a Parthian revolt and a Jewish revolt , he withdrew due to health issues, and in 117, he died of edema . Trajan's successor Hadrian withdrew all the troops stationed in Parthia, Armenia and Mesopotamia (modern-day Iraq ), abandoning Trajan's conquests. Hadrian's army crushed

9855-537: The changes to the calendar promoted by Caesar , and the month of August is named after him. Augustus brought a peaceful and thriving era to Rome, known as Pax Augusta or Pax Romana . Augustus died in 14 AD, but the empire's glory continued after his era. The Julio-Claudians continued to rule Rome after Augustus' death and remained in power until the death of Nero in 68 AD. Influenced by his wife, Livia Drusilla , Augustus appointed her son from another marriage, Tiberius , as his heir. The Senate agreed with

9990-471: The character Aeneas , a common culture is attested to archaeologically. Attested to reciprocal rights of marriage and citizenship between Latin cities—the Jus Latii —along with shared religious festivals, further indicate a shared culture. By the end of the 6th century, most of this area had become dominated by the Romans. By the end of the sixth century, Rome and many of its Italian neighbours entered

10125-472: The city's sole founder. The area of his initial settlement on the Palatine Hill was later known as Roma Quadrata ("Square Rome"). The story dates at least to the third century BC, and the later Roman antiquarian Marcus Terentius Varro placed the city's foundation to 753 BC. Another legend, recorded by Greek historian Dionysius of Halicarnassus , says that Prince Aeneas led a group of Trojans on

10260-403: The claim. Payment from the policy may be as a lump sum or as an annuity , which is paid in regular installments for either a specified period or for the beneficiary's lifetime . Death benefits are the primary feature of life insurance policies, and they provide a lump sum payment to the beneficiaries of the policyholder in the event of the policyholder's death. The amount of the death benefit

10395-728: The cost of members' funeral expenses and assisted survivors financially. In 1816, an archeological excavation in Minya, Egypt (under an Eyalet of the Ottoman Empire ) produced a Nerva–Antonine dynasty -era tablet from the ruins of the Temple of Antinous in Antinoöpolis , Aegyptus that prescribed the rules and membership dues of a burial society collegium established in Lanuvium , Italia in approximately 133 AD during

10530-785: The death of Tiberius, and, with belated support from the senators, proclaimed his uncle Claudius as the new emperor. Claudius was not as authoritarian as Tiberius and Caligula. Claudius conquered Lycia and Thrace ; his most important deed was the beginning of the conquest of Britannia . Claudius was poisoned by his wife, Agrippina the Younger in 54 AD. His heir was Nero , son of Agrippina and her former husband, since Claudius' son Britannicus had not reached manhood upon his father's death. Nero sent his general, Suetonius Paulinus , to invade modern-day Wales , where he encountered stiff resistance. The Celts there were independent, tough, resistant to tax collectors, and fought Paulinus as he battled his way across from east to west. It took him

10665-406: The destruction of republican values, but on the other hand, they boosted Rome's status as the central power in the Mediterranean region. While Caligula and Nero are usually remembered in popular culture as dysfunctional emperors, Augustus and Claudius are remembered as successful in politics and the military. This dynasty instituted imperial tradition in Rome and frustrated any attempt to reestablish

10800-592: The edict as a fundamental turning point, after which Rome was "effectively a new state masquerading under an old name". Macrinus conspired to have Caracalla assassinated by one of his soldiers during a pilgrimage to the Temple of the Moon in Carrhae, in 217 AD. Macrinus assumed power, but soon removed himself from Rome to the east and Antioch. His brief reign ended in 218, when the youngster Bassianus, high priest of

10935-470: The emperors all the executive powers of government. Gibbon declared the rule of these "Five Good Emperors" the golden era of the Empire. During this time, Rome reached its greatest territorial extent. Commodus , son of Marcus Aurelius, became emperor after his father's death. He is not counted as one of the Five Good Emperors, due to his direct kinship with the latter emperor; in addition, he

11070-526: The end of the Triumvirate, Antony was living in Ptolemaic Egypt , ruled by his lover, Cleopatra VII . Antony's affair with Cleopatra was seen as an act of treason, since she was queen of another country. Additionally, Antony adopted a lifestyle considered too extravagant and Hellenistic for a Roman statesman. Following Antony's Donations of Alexandria , which gave to Cleopatra the title of " Queen of Kings ", and to Antony's and Cleopatra's children

11205-498: The exception of Civil Rights Act compliance requirements. Insurance companies alone determine insurability, and some people are deemed uninsurable. The policy can be declined or rated (increasing the premium amount to compensate for the higher risk), and the amount of the premium will be proportional to the face value of the policy. Many companies separate applicants into four general categories. These categories are preferred best , preferred , standard , and tobacco . Preferred best

11340-492: The field. However, he became ill and died in 211 AD, at the age of 65. Upon the death of Severus, his sons Caracalla and Geta were made emperors. Caracalla had his brother, a youth, assassinated in his mother's arms, and may have murdered 20,000 of Geta's followers. Like his father, Caracalla was warlike. He continued Severus' policy and gained respect from the legions. Knowing that the citizens of Alexandria disliked him and were denigrating his character, Caracalla served

11475-678: The first graves in the Esquiline Hill 's necropolis, along with a clay and timber wall on the bottom of the Palatine Hill dating to the middle of the 8th century BC. Starting from c.  650 BC , the Romans started to drain the valley between the Capitoline and Palatine Hills, where today sits the Roman Forum . By the sixth century BC, the Romans were constructing the Temple of Jupiter Optimus Maximus on

11610-521: The first of his seven consulships (an unprecedented number) in 107 BC by arguing that his former patron Quintus Caecilius Metellus Numidicus was not able to defeat and capture the Numidian king Jugurtha . Marius then started his military reform: in his recruitment to fight Jugurtha, he levied the very poor (an innovation), and many landless men entered the army. Marius was elected for five consecutive consulships from 104 to 100 BC, as Rome needed

11745-576: The first persecutor of Christians and for the Great Fire of Rome , rumoured to have been started by the emperor himself. A conspiracy against Nero in 65 AD under Calpurnius Piso failed, but in 68 AD the armies under Julius Vindex in Gaul and Servius Sulpicius Galba in modern-day Spain revolted. Deserted by the Praetorian Guards and condemned to death by the senate, Nero killed himself. As Roman provinces were being established throughout

11880-471: The first strike but could not withstand the attack of Scipio Aemilianus , who entirely destroyed the city, enslaved all the citizens and gained control of that region, which became the province of Africa . All these wars resulted in Rome's first overseas conquests (Sicily, Hispania and Africa) and the rise of Rome as a significant imperial power. After defeating the Macedonian and Seleucid Empires in

12015-474: The frontier legions to save them. The legions of three frontier provinces— Britannia , Pannonia Superior , and Syria —resented being excluded from the " donative " and replied by declaring their individual generals to be emperor. Lucius Septimius Severus Geta, the Pannonian commander, bribed the opposing forces, pardoned the Praetorian Guards and installed himself as emperor. He and his successors governed with

12150-427: The group. Contract provisions will attempt to exclude the possibility of adverse selection . Group life insurance often allows members exiting the group to maintain their coverage by buying individual coverage. The underwriting is carried out for the whole group instead of individuals. Permanent life insurance is life insurance that covers the remaining lifetime of the insured. A permanent insurance policy accumulates

12285-477: The imperial dignity. Pertinax, a member of the senate who had been one of Marcus Aurelius's right-hand men, was the choice of Laetus, and he ruled vigorously and judiciously. Laetus soon became jealous and instigated Pertinax's murder by the Praetorian Guard, who then auctioned the empire to the highest bidder, Didius Julianus, for 25,000 sesterces per man. The people of Rome were appalled and appealed to

12420-433: The increased reliance on foreign slaves and the growth of latifundia reduced the availability of paid work. Income from war booty, mercantilism in the new provinces, and tax farming created new economic opportunities for the wealthy, forming a new class of merchants, called the equestrians . The lex Claudia forbade members of the Senate from engaging in commerce, so while the equestrians could theoretically join

12555-410: The insured on the application may also be grounds for nullification. Most US states, for example, specify a maximum contestability period, often no more than two years. Only if the insured dies within this period will the insurer have a legal right to contest the claim on the basis of misrepresentation and request additional information before deciding whether to pay or deny the claim. The face amount of

12690-487: The last seven years. As part of the application, the insurer often requires the applicant's permission to obtain information from their physicians. Automated Life Underwriting is a technology solution which is designed to perform all or some of the screening functions traditionally completed by underwriters, and thus seeks to reduce the work effort, time and data necessary to underwrite a life insurance application. These systems allow point of sale distribution and can shorten

12825-798: The laws. He died in 161 AD. Marcus Aurelius , known as the Philosopher, was the last of the Five Good Emperors . He was a stoic philosopher and wrote the Meditations . He defeated barbarian tribes in the Marcomannic Wars as well as the Parthian Empire . His co-emperor, Lucius Verus , died in 169 AD, probably from the Antonine Plague , a pandemic that killed nearly five million people through

12960-693: The legions' support. The changes on coinage and military expenditures were the root of the financial crisis that marked the Crisis of the Third Century . Severus was enthroned after invading Rome and having Didius Julianus killed. Severus attempted to revive totalitarianism and, addressing the Roman people and Senate, praised the severity and cruelty of Marius and Sulla, which worried the senators. When Parthia invaded Roman territory, Severus successfully waged war against that country. Notwithstanding this military success, Severus failed in invading Hatra ,

13095-558: The loss of limbs or body functions such as sight and hearing. Accidental death and AD&D policies pay actual benefits only very rarely, either because the cause of death is not covered by the policy or because death occurs well after the accident, by which time the premiums have gone unpaid. Various AD&D policies have different terms and exclusions. Risky activities such as parachuting, flying, professional sports, or military service are often omitted from coverage. Accidental death insurance can also supplement standard life insurance as

13230-665: The mainstage at the Indiana Repertory Theatre for the 2017–18 season. Life insurance Life insurance (or life assurance , especially in the Commonwealth of Nations ) is a contract between an insurance policy holder and an insurer or assurer , where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person. Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policyholder typically pays

13365-550: The name actuary to the chief official—the earliest known reference to the position as a business concern. The first modern actuary was William Morgan , who served from 1775 to 1830. In 1776 the Society carried out the first actuarial valuation of liabilities and subsequently distributed the first reversionary bonus (1781) and interim bonus (1809) among its members. It also used regular valuations to balance competing interests. The Society sought to treat its members equitably and

13500-405: The number of shares the heirs owned. The Amicable Society started with 2000 members. The first life table was written by Edmund Halley in 1693, but it was only in the 1750s that the necessary mathematical and statistical tools were in place for the development of modern life insurance. James Dodson , a mathematician and actuary, tried to establish a new company aimed at correctly offsetting

13635-549: The path to the victory a long and difficult one for the Roman Republic . Despite this, after more than 20 years of war, Rome defeated Carthage and a peace treaty was signed. Among the reasons for the Second Punic War was the subsequent war reparations Carthage acquiesced to at the end of the First Punic War. The war began with the audacious invasion of Hispania by Hannibal , who marched through Hispania to

13770-448: The perceived disadvantages of whole life—namely that premiums and death benefits are fixed. With universal life, both the premiums and death benefit are flexible. With the exception of guaranteed-death-benefit universal life policies, universal life policies trade their greater flexibility for fewer guarantees. "Flexible death benefit" means the policy owner can choose to decrease the death benefit. The death benefit can also be increased by

13905-504: The person to pay for the policy. The insured is a participant in the contract, but not necessarily a party to it. The beneficiary receives policy proceeds upon the insured person's death. The owner designates the beneficiary, but the beneficiary is not a party to the policy. The owner can change the beneficiary unless the policy has an irrevocable beneficiary designation. If a policy has an irrevocable beneficiary, any beneficiary changes, policy assignments, or cash value borrowing would require

14040-440: The policy is the initial amount that the policy will pay at the death of the insured or when the policy matures , although the actual death benefit can provide for greater or lesser than the face amount. The policy matures when the insured dies or reaches a specified age (such as 100 years old). The insurance company calculates the policy prices (premiums) at a level sufficient to fund claims, cover administrative costs, and provide

14175-420: The policy owner, usually requiring new underwriting. Another feature of flexible death benefit is the ability to choose option A or option B death benefits and to change those options over the course of the life of the insured. Option A is often referred to as a "level death benefit"; death benefits remain level for the life of the insured, and premiums are lower than policies with Option B death benefits, which pay

14310-458: The policy's cash value—i.e., a face amount plus earnings/interest. If the cash value grows over time, the death benefits do too. If the cash value declines, the death benefit also declines. Option B policies normally feature higher premiums than option A policies. The endowment policy is a life insurance contract designed to pay a lump sum after a specific term (on its 'maturity') or on death. Typical maturities are ten, fifteen, or twenty years up to

14445-770: The populace and the legions. Augustus intended to extend the Roman Empire to the whole known world, and in his reign, Rome conquered Cantabria , Aquitania , Raetia , Dalmatia , Illyricum and Pannonia . Under Augustus' reign, Roman literature grew steadily in what is known as the Golden Age of Latin Literature . Poets like Virgil , Horace , Ovid and Rufus developed a rich literature, and were close friends of Augustus. Along with Maecenas , he sponsored patriotic poems, such as Virgil's epic Aeneid and historiographical works like those of Livy . Augustus continued

14580-541: The premiums paid if they outlive the policy. The specific uses of the terms "insurance" and "assurance" are sometimes confused. In general, in jurisdictions where both terms are used, "insurance" refers to providing coverage for an event that might happen (fire, theft, flood, etc.), while "assurance" is the provision of coverage for an event that is certain to happen. In the United States, both forms of coverage are called "insurance" for reasons of simplicity in companies selling both products. By some definitions, "insurance"

14715-449: The purchaser will actually suffer some kind of loss if the CQV dies. Such a requirement prevents people from benefiting from the purchase of purely speculative policies on people they expect to die. With no insurable interest requirement, the risk that a purchaser would murder the CQV for insurance proceeds would be great. In at least one case, an insurance company that sold a policy to a purchaser with no insurable interest (who later murdered

14850-400: The regal titles to the newly conquered Eastern territories, war between Octavian and Antony broke out . Octavian annihilated Egyptian forces in the Battle of Actium in 31 BC. Antony and Cleopatra committed suicide . Now Egypt was conquered by the Roman Empire. In 27 BC and at the age of 36, Octavian was the sole Roman leader. In that year, he took the name Augustus . That event

14985-643: The reign of Elagabalus (218–222) that was included in the Digesta seu Pandectae (533) codification ordered by Justinian I (527–565) of the Eastern Roman Empire . The earliest known life insurance policy was made in Royal Exchange, London on 18 June 1583. A Richard Martin insured a William Gybbons, paying thirteen merchants 30 pounds for 400 if the insured dies within one year. The first company to offer life insurance in modern times

15120-642: The reign of Hadrian (117–138) of the Roman Empire . In 1851, future U.S. Supreme Court Associate Justice Joseph P. Bradley (1870–1892), once employed as an actuary for the Mutual Benefit Life Insurance Company , submitted an article to the Journal of the Institute of Actuaries detailing an historical account of a Severan dynasty -era life table compiled by the Roman jurist Ulpian in approximately 220 AD during

15255-551: The revitalised Persia and also the Germanic peoples , who invaded Gaul. His losses generated dissatisfaction among his soldiers, and some of them murdered him during his Germanic campaign in 235 AD. A disastrous scenario emerged after the death of Alexander Severus : the Roman state was plagued by civil wars, external invasions , political chaos, pandemics and economic depression . The old Roman values had fallen, and Mithraism and Christianity had begun to spread through

15390-803: The risks of long-term life assurance policies, after being refused admission to the Amicable Life Assurance Society because of his advanced age. He was unsuccessful in his attempts at procuring a charter from the government . His disciple, Edward Rowe Mores , was able to establish the Society for Equitable Assurances on Lives and Survivorship in 1762. It was the world's first mutual insurer and it pioneered age based premiums based on mortality rate laying "the framework for scientific insurance practice and development" and "the basis of modern life assurance upon which all life assurance schemes were subsequently based". Mores also gave

15525-753: The siege, of whom a majority were Jewish. 97,000 were captured and enslaved , including Simon bar Giora and John of Giscala . Many fled to areas around the Mediterranean. Vespasian was a general under Claudius and Nero and fought as a commander in the First Jewish-Roman War . Following the turmoil of the Year of the Four Emperors , in 69 AD, four emperors were enthroned in turn: Galba , Otho , Vitellius , and, lastly, Vespasian, who crushed Vitellius' forces and became emperor. He reconstructed many buildings which were uncompleted, like

15660-497: The son of the deified. In the same year, Octavian and Antony defeated both Caesar's assassins and the leaders of the Liberatores , Marcus Junius Brutus and Gaius Cassius Longinus , in the Battle of Philippi . The Second Triumvirate was marked by the proscriptions of many senators and equites : after a revolt led by Antony's brother Lucius Antonius , more than 300 senators and equites involved were executed, although Lucius

15795-520: The succession, and granted to Tiberius the same titles and honours once granted to Augustus: the title of princeps and Pater patriae , and the Civic Crown . However, Tiberius was not an enthusiast for political affairs: after agreement with the Senate, he retired to Capri in 26 AD, and left control of the city of Rome in the hands of the praetorian prefect Sejanus (until 31 AD) and Macro (from 31 to 37 AD). Tiberius died (or

15930-429: The support of the people) and optimates (the "best", who wanted to maintain exclusive aristocratic control). Sulla overthrew all populist leaders and his constitutional reforms removed powers (such as those of the tribune of the plebs ) that had supported populist approaches. Meanwhile, social and economic stresses continued to build; Rome had become a metropolis with a super-rich aristocracy, debt-ridden aspirants, and

16065-485: The supreme deity in Roman religion . He was murdered following a plot within his own household. Following Domitian's murder, the Senate rapidly appointed Nerva as Emperor. Nerva had noble ancestry, and he had served as an advisor to Nero and the Flavians. His rule restored many of the traditional liberties of Rome's upper classes, which Domitian had over-ridden. The Nerva–Antonine dynasty from 96 AD to 192 AD included

16200-448: The temple of the Sun at Emesa, and supposedly illegitimate son of Caracalla, was declared Emperor by the disaffected soldiers of Macrinus. He adopted the name of Antoninus but history has named him after his Sun god Elagabalus , represented on Earth in the form of a large black stone. An incompetent and lascivious ruler, Elagabalus offended all but his favourites. Cassius Dio , Herodian and

16335-423: The time frame for issuance from weeks or even months to hours or minutes, depending on the amount of insurance being purchased. The mortality of underwritten persons rises much more quickly than the general population. At the end of 10 years, the mortality of that 25-year-old, non-smoking male is 0.66/1000/year. Consequently, in a group of one thousand 25-year-old males with a $ 100,000 policy, all of average health,

16470-407: The tobacco category typically have to pay higher premiums due to higher mortality. Recent US mortality tables predict that roughly 0.35 in 1,000 non-smoking males aged 25 will die during the first year of a policy. Mortality approximately doubles for every additional ten years of age, so the mortality rate in the first year for non-smoking men is about 2.5 in 1,000 people at age 65. Compare this with

16605-464: The tribes of modern-day East Anglia staged a revolt led by queen Boadicea of the Iceni . The rebels sacked and burned Camulodunum , Londinium and Verulamium (modern-day Colchester , London and St Albans respectively) before they were crushed by Paulinus . Boadicea, like Cleopatra before her, committed suicide to avoid the disgrace of being paraded in triumph in Rome. Nero is widely known as

16740-490: The tribes of modern-day Scotland. Hadrian promoted culture, especially the Greek. He forbade torture and humanised the laws. His many building projects included aqueducts, baths, libraries and theatres; additionally, he travelled nearly every province in the Empire to review military and infrastructural conditions. Following Hadrian's death in 138 AD, his successor Antoninus Pius built temples, theatres, and mausoleums, promoted

16875-575: The weighing noticed that the Gauls were using false scales. The Romans then took up arms and defeated the Gauls. Their victorious general Camillus remarked "With iron, not with gold, Rome buys her freedom." The Romans gradually subdued the other peoples on the Italian peninsula, including the Etruscans . The last threat to Roman hegemony in Italy came when Tarentum , a major Greek colony, enlisted

17010-657: Was Josephus' sponsor and Pliny dedicated his Naturalis Historia to Titus, son of Vespasian. Vespasian sent legions to defend the eastern frontier in Cappadocia , extended the occupation in Britannia (modern-day England, Wales and southern Scotland ) and reformed the tax system. He died in 79 AD. Titus became emperor in 79. He finished the Flavian Amphitheater, using war spoils from the First Jewish-Roman War, and hosted victory games that lasted for

17145-476: Was appointed to command the army together with Lucius Julius Caesar and Lucius Cornelius Sulla . By the end of the Social War, Marius and Sulla were the premier military men in Rome and their partisans were in conflict, both sides jostling for power. In 88 BC, Sulla was elected for his first consulship and his first assignment was to defeat Mithridates VI of Pontus , whose intentions were to conquer

17280-506: Was campaigning in Greece. He seized power along with the consul Lucius Cornelius Cinna and killed the other consul, Gnaeus Octavius , achieving his seventh consulship. Marius and Cinna revenged their partisans by conducting a massacre. Marius died in 86 BC, due to age and poor health, just a few months after seizing power. Cinna exercised absolute power until his death in 84 BC. After returning from his Eastern campaigns, Sulla had

17415-497: Was killed) in 37 AD. The male line of the Julio-Claudians was limited to Tiberius' nephew Claudius , his grandson Tiberius Gemellus and his grand-nephew Caligula . As Gemellus was still a child, Caligula was chosen to rule the empire. He was a popular leader in the first half of his reign, but became a crude and insane tyrant in his years controlling government. The Praetorian Guard murdered Caligula four years after

17550-532: Was militarily passive. Cassius Dio identifies his reign as the beginning of Roman decadence : "(Rome has transformed) from a kingdom of gold to one of iron and rust." Commodus was killed by a conspiracy involving Quintus Aemilius Laetus and his wife Marcia in late 192 AD. The following year is known as the Year of the Five Emperors , during which Helvius Pertinax , Didius Julianus , Pescennius Niger , Clodius Albinus and Septimius Severus held

17685-570: Was no chance of a return to the Roman Republic , and so a new emperor had to arise. After the turmoil in the Year of the Four Emperors , Titus Flavius Vespasianus (anglicised as Vespasian) took control of the empire and established a new dynasty. Under the Flavians, Rome continued its expansion, and the state remained secure. Under Trajan, the Roman Empire reached the peak of its territorial expansion. Rome's dominion now spanned 5.0 million square kilometres (1.9 million square miles). The most significant military campaign undertaken during

17820-554: Was now pre-eminent over Rome: in five years he held four consulships, two ordinary dictatorships, and two special dictatorships, one for perpetuity. He was murdered in 44 BC, on the Ides of March by the Liberatores . Caesar's assassination caused political and social turmoil in Rome; the city was ruled by his friend and colleague, Marcus Antonius . Soon afterward, Octavius , whom Caesar adopted through his will, arrived in Rome. Octavian (historians regard Octavius as Octavian due to

17955-557: Was spared. The Triumvirate divided the Empire among the triumvirs: Lepidus was given charge of Africa , Antony, the eastern provinces, and Octavian remained in Italia and controlled Hispania and Gaul . The Second Triumvirate expired in 38 BC but was renewed for five more years. However, the relationship between Octavian and Antony had deteriorated, and Lepidus was forced to retire in 36 BC after betraying Octavian in Sicily . By

18090-482: Was succeeded by the general Trajan . Trajan is credited with the restoration of traditional privileges and rights of commoner and senatorial classes, which later Roman historians claim to have been eroded during Domitian's autocracy. Trajan fought three Dacian wars , winning territories roughly equivalent to modern-day Romania and Moldova . He undertook an ambitious public building program in Rome, including Trajan's Forum , Trajan's Market and Trajan's Column , with

18225-531: Was the Amicable Society for a Perpetual Assurance Office , founded in London in 1706 by William Talbot and Sir Thomas Allen . Each member made an annual payment per share on one to three shares with consideration to age of the members being twelve to fifty-five. At the end of the year a portion of the "amicable contribution" was divided among the wives and children of deceased members, in proportion to

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