Description: This article identifies why insurance innovations take so much effort and digs deeper into the underlying causes. It shows and explains the importance of taking an efficient, tactical, and intentional approach when innovating to avoid over-building and over-investing.

Description: This is a summary of a multi-faceted research project focusing on how to help people better manage money when they no longer can. Article includes interviews with the three co-researchers. Research is focused on understanding when people need help and what actions will encourage them to make proper arrangements. Research includes focus on words and actions that lead to implementation of plans. The team is multi-disciplinary and the research included interviews with experts and individuals, focus groups, and a survey. The research was sponsored by the Society of Actuaries Aging and Retirement strategic research initiative.