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Introduction
One of the most significant changes in the financial services sector over the past
few years has been the appearance and development of bancassurance. Banking
institutions and insurance companies have found bancassurance to be an attract-
ive – and often profitable – complement to their existing activities. The successes
demonstrated by various bancassurance operations, although not all of them
have been successful, have attracted the attention of the financial services sector,
and further new operations continue to be set up regularly.












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