Why has insurance changed from local salespeople to an Internet provided “universal” product?

Why has insurance changed from local salespeople to an Internet provided “universal” product?

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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