Currently, insurance companies are not set up to compete on the experience level. When someone has a great experience idea in mind for an insurance company, the technology gap that keeps such an initiative from launching presents a major obstacle.

There's little concern about the damage carriers' always be selling mindset is causing employee policyholders, and even sales reps.

The current investing environment poses a psychological quandary -- it seems like all you need to do to be successful is just buy any stock, because it will inevitably go up. But smart investors dont trade to maximize expected value; they trade to minimize regret.

A review by the U.S. Government Accountability Office has found that about 1,700 people who died in 2014 received at least some subsidy help in 2015 because HealthCare.gov helped those people re-enroll automatically.