The faces may change through the w...

The faces may change through the whole extent of the years, but when life insurance pea pie secure together, the buzz is always the same: "Why do the regulators have it in for life insurance?"

If not the regulators, substitute "Congress" or "consumer activists," and the paranoia boils athwart Clearly, the bad guys are revealed to get the good guys--that's us, of course. At least that's by what means we like to see it.

In principle this may be revisionist history. The facts recount a different story. A small in number examples may help clarify the issue that perhaps regulators, Congres and consumer activists have