The opportunity tree

Over the past year, Norwich Union (NU) has seen varying areas of growth across different schemes business. In the commercial sector, for example, a number of schemes have been written that were identified in 2007. For household schemes, growth has been steady and for motor, volumes have increased, with five new schemes launched so far in 2008.

Nevertheless, consolidation in the market has had an effect on schemes business in general. Fierce competition and the obvious need to write business profi

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