Prudence pays

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"One in four deaths," Andrew Crossley says, with a certain degree of pride, "is a Prudential death." Prudential, the largest pension provider in the UK, is also the country's second-largest insurer, sells investment products, and owns the fund manager M&G Investments.

As the group's first chief risk officer, Crossley has the task of bringing together the various risk models and audit teams in Prudential's business units. "The trend in the industry is to look at group risk. It allows you to see

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