The book explores the pivotal role of private insurance in shaping American society and culture post-1945, highlighting its influence on the rise of neoliberalism. Horan examines how actuarial practices and risk management became integral to various sectors, including crime and education. The work argues that a midcentury obsession with security fueled the insurance industry's growth and established frameworks that promote individual responsibility for risk. Ultimately, it critiques how these dynamics have marginalized alternatives to neoliberalism, benefiting insurance companies at the expense of vulnerable populations.
