On the Effect of Intensified Regulation on the Product Strategy of Nordic Life Insurance Companies 1, 2015 EU och internationell försäkring Olli-Pekka Ruuskanen Engelska Abstract Seven big Nordic life insurance companies were interviewed to find out how intensified regulation and especially Solvency II has affected their product strategy. Almost all companies have given up writing new traditional business, and each company uses risk based steering which is a positive side effect of Solvency II. Variable a...