AS READERS OF ICP well know, the insurance industry is on the hot seat. Since October 14, when New York State Attorney General Eliot Spitzer filed a civil suit against Marsh & McLennan Cos. for allegedly cheating customers with such practices as bid-rigging and kickbacks, investigations of wrongdoing have rocked the industry. After the mutual-fund debacles of the past few years, and continuing SEC and NASD investigations of ethically questionable practices, some pundits say

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