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Provide a brief context for an insurer or reinsurer,or a division of either,with which you are familiar.For this insureror reinsurer,or division of either: Describe briefly the three most significant recent changes in the legislative and regulatory environment affecting underwriting policy and practice. Analyse how these three changes influence underwriting policy and practice. Make recommendations,based on your analysis,to improve underwriting policy and practice,whilstremaining compliant with legislative and regulatory requirements
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