Disruption,” “innovation” and “analytics” are three of the trendiest words in the popular press today. PwC’s “18th Annual Global CEO Survey” shows that nearly 70 percent of insurance CEOs are concerned about changing customer behavior and distribution channels disrupting their industry. The insurance industry is often accused of not being innovative or seeing when and from where disruption is coming. However, there are three primary individual and organizational biases that typically hinder us—regardless of employer—from seeing or acting on disruptive ideas:...