We live in an always-connected world. We have computers in our pockets and nformation and news can be shared worldwide within minutes. According to Pew Research, more than 85 percent of Americans have a smartphone.

The world is rapidly changing and frankly, the insurance industry hasn't always kept up. Products, services and business models that have worked for decades are no longer the most efficient option. Sometimes, it feels like the whole industry is behind by a decade or two.

Consumers have more control of their investment choices, want seamless digital experiences, and demand transparency when it comes to their insurance coverage. The days of blindly accepting what is available and choosing between two to three insurance policies no longer works for many employees. They expect options that fit their unique situations and they want them presented where they already live — digitally.