This absolutely boggles my mind. My last insurance company let me create a 20 character PW but limited the password field on the login screen to 16 chars. I did

This absolutely boggles my mind. My last insurance company let me create a 20 character PW but limited the password field on the login screen to 16 chars. I didn't think to futz around with the code so I just recreated a less secure password. I suspect many other less technical people either did that too or just called support. There is zero excuse for that though. 16 chars is just way too short for a proper secure pass phrase, but at least make it consistent with password creation!