Stepping up to the challenge

While multi-national life companies are successfully addressing the technological challenges of economic valuation, things are more difficult for smaller institutions. How are Swiss insurance companies coping with the demands of solvency requirements? Clive Davidson reports

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Wielding knives, cleavers and saws all day makes a butcher's trade a risky one, so insurance against injury is essential. In Switzerland, butchers tend to be independently-minded small businessmen, and just over 100 years ago they set up their own mutual insurance society - Metzger-Versicherungen. More recently, the company has extended the cover it offers to less risk prone workers - florists, opticians and chemists - but it still remains a small organisation. Metzger-Versicherungen has only 3

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