My observation has been that employee tenure is a huge drag on the insurance side. These are generally jobs for life, with all the organizational problems and i

My observation has been that employee tenure is a huge drag on the insurance side. These are generally jobs for life, with all the organizational problems and inertia that spawns. Consequently, the internal thinking goes, why work to wring blood from a stone when there's a zero chance the company or your job disappears if you don't? They optimize for stability, not efficiency. I'd chalk the failure of tech to penetrate up to the lack of standard interfaces. The entire insurance-provider industry, after you pry the lid off and look closer, is essentially bespoke person-person for almost any transaction. It's gotten better, but it's still a far cry away, compared to the industries tech is used to disrupting. And you can't Uber-ize everything because (a) labor supply is a high-skill position with credentialing and negotiating power & (b) regulation prohibits overly disruptive moves (thank god).