Conduction. 1  Conduction is the transfer of thermal energy through direct contact between particles of a substance, without moving the particles to a new location. 2  Usually occurs in solids. 3  When heat is supplied to one end, molecules at that end start to move more quickly.
Episcopalian ministers organized a similar fund a decade later. (The first insurance company in the American colonies was formed before this, in Charleston, S.C., in 1735, but it offered only fire insurance at first. It didnât add life insurance until 1760.). (AP Photo/Lefteris Pitarakis).
Health insurance in the United States is a relatively new phenomenon. The first insurance plans began during the Civil War (1861-1865). The earliest ones only offered coverage against accidents related from travel by rail or steamboat. The plans did, however, pave the way more comprehensive plans covering all illnesses and injuries.