Question: 1. Why has insurance changed from local salespeople to an Internetprovided universal product? 2. Why was Swedish-based Skandia so successful in the US market? 3.

1. Why has insurance changed from local salespeople to an Internetprovided “universal” product?
2. Why was Swedish-based Skandia so successful in the US market?
3. Was CEO Jan Carendi “Swedish” or “global” in his management style?

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