Estonia offers a generally open and attractive investment environment. Though small, the insurance sector does offerhealthy growth potential. The country is set to prove a regional economic outperformer compared to other eurozone states,benefiting from a stable political environment and the ongoing shift towards a higher value added production and services-basedgrowth model. This growth should translate to steady improvements to employment and income rates, in turn creating higherdemand for a range of insurance products. While the emphasis will remain largely on the non-life market, the small life sector couldgrow rapidly from a low base.
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