The diverse approach

The diverse approach

Aaron Woolner

Insurance is a complex and diverse business with no two firms alike. Even at the multinational level of heavyweight companies, such as Axa and Allianz, the interaction between the type of business sold and its geographic spread means what would be a perfect risk management approach for one could be problematic for another. Move down a size to monolines focusing on buying out pension liabilities or providing long-term asbestos cover, and the differences become even more stark.

Similarly, national

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