Last year, the government and courts moved against tools such as split dollar that have been used, perhaps abused, for years. If the regulation frenzy that reigned in 20031 sometimes made insurance a painful subject, 2004 threatens to be even more difficult as Congress considers many compensation-related bills. The pending legislation, proposed in reaction to myriad corporate scandals, could significantly alter the way life insurance is handled in America. But the uncertainty about
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