Insurance and concentration: The change of concentration in the Swedish and Finnish insurance market 1989-1993

This paper investigates the concentration in the Swedish and Finnish insurance market. It considers the development of concentration over time and the differences between the two countries. The insurance industry is divided into life and non-life insurance companies. The concentration is computed for both parts separately and for the differences between them. Moreover the oligopolistic structure is explored by means of dominance measures and the oligopolistic group is defined.