The beginnings of life and medical insurance are traced to historic practices in the Greek thiasoi and eranoi and the Roman collegia, from about 600 B.C. to the autumn of the Roman Empire. These associations or guilds started as purely religious teams however regularly turned more utilitarian. Funerary advantages were the first established. The early guilds in Italy and England, which were the successors to the Roman collegia, had a few of the characteristics of trade associations, unions, and fraternal societies.

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