Learning from adversity

Swedish Life Companies

The Swedes take pride in their ability to carry on as normal under harsh winter conditions. But the country's life and pensions providers, emerging from a deep freeze of impaired solvency and adverse market conditions, are embracing change.

While international attention has focused on Old Mutual's fiercely fought takeover of Skandia, that battle is only one facet of an ongoing process: the reengineering of ownership and capital structure that Swedish practitioners hope will turn their industry

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