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Daniel Hartley, Anna Paulson, and Katerina Powers look at recent patterns of life insurance and convey the puzzle of its decline into sharper definition in “What explains the decline in life insurance ownership?” in Economic Perspectives, published by the Federal Reserve Bank of Chicago (41:8, 2017). The story of shifting attitudes toward life insurance in the 19th century US is told by Viviana A. Zelizer in a wonderfully thought-scary 1978 article, “Human Values and the Market: The Case of Life Insurance and Death in nineteenth-Century America,” American Journal of Sociology (November 1978, 84:3, pp. The main focus of Hartley, Paulson, and Powers is to discover the extent to which shifts in socioeconomic and demographic components can explain the fall in life insurance coverage: that is, have socioeconomic or demographic groups that have been much less possible to purchase life insurance become larger over time? With regard to current patterns, Hartley, Paulson, and Powers write: “Life insurance possession has declined markedly over the previous 30 years, continuing a development that began as early as 1960. In 1989, 77 % of households owned life insurance (see determine 1). By 2013, that share had fallen to 60 %.” In the determine, the blue line shows any life insurance, the crimson line shows the decline in time period life, and the grey line shows the decline in cash value life insurance.

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