Take out life insurance before you enter

DEMOCRACY has replaced dictatorship, guerrilla wars are mostly over--but everyday life for Latin Americans has become far less secure. An explosive increase in murders since the mid-1980s has turned Latin America into the world's most criminally violent conti nent. In the big cities, fear of crime has pushed the rich into the segregated world of walled condominiums. Most of the murders, often of teenagers, occur in the shanty towns on the periphery.