Integration Without Decentralization: The Financial Geography of U.S. Life Insurance, 1880–1940 -- by Pawel Janas

I would like to thank the Linde Institute at Caltech and the Economic History Association (Cole Grant) for generous financial support. I have benefited greatly from conversations with Tracy Dennison, Phil Hoffman, Sarah Quincy, Jean-Laurent Rosenthal, Andrew Sinclair, Laura Taylor, as well as seminar participants at Caltech, Yale, and the WEAI, ASSA, and SEA annual meetings. The views expressed herein are those of the author and do not necessarily reflect the views of the National Bureau of Economic Research.