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HAUGHTON BELL* AND HARoLD G. FRAINEt Changes have taken place, as the title indicates, and are still taking place, both in the laws governing the investment of life insurance funds and in the practices of the companies in making such investments. The changes in practice, in turn, not only result from the changes in laws but are also, possibly to an even more important extent during the past 25 years, changes which have been made by the companies within the framework of existing statutory provisions. It will be the purpose of this article to trace these changes, especially those which have occurred since the late twenties, and also to assess them in the light of what appears to be the interest of the public, and, particularly, the interest of life insurance policyholders. The policyholders are presently estimated to number approximately 55 per cent of the people in the United States,' and with their beneficiaries cover a

Legal Framework, Trends, and Developments in Investment Practices of Life Insurance Companies