As Dungeon & Dragons turns 40 years old, here is a look back at
the history of how this game came to be.
Gary Gygax (pronounced GHEE-Gax) was an insurance underwriter living in Lake Geneva, Wisconsin, in the late 1960s. He made his living calculating the probabilities that an individual seeking to buy insurance would become sick or disabled or die, and he used these estimates to set the premiums and payouts on the policies he reviewed. Every policy was like a roll of the dice: If Gygax calculated correctly, the individual received sufficient coverage at a fair price, and the insurance company had a good shot at earning a fair profit. If he was incorrect, either the individual or the insurance company would lose.