Guess that's what you get when you throw a bunch of insurance commissioners in a room and tell 'em to figure what Congress meant when they passed health care reform.

Experts at MetLife say workers are in a state of shift with how they approach saving for retirement. Research shows employees in defined contribution plans are now focused on preserving lifetime income, rather than a singular focus on asset accumulation.

A grocery store is an ideal place for comparison shopping, allowing consumers to select from multiple versions of similar products. As consumers peruse the aisles, each product's package is an attempt to entice them to buy.

So, why have the rates doubled over the last 10 years? And why are they expected to double again in the next six?