Unit link in Sweden

The launch in 1990 of unit link, or unit-linked insurance, as a consequence of the removal of legislative barriers was a milestone for the Swedish life assurance industry. Due to rigid regulations, the Swedish assurance industry had for long been static, deprived of change and new products. The paper is organised as follows. Firstly, an introduction to unit link is presented. Secondly, an outline of the Swedish life assurance market with specific emphasis on the unit link market is conducted. Thirdly, our expectations for the future of unit link are presented. Finally, conclusions are provided.

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