Insurance executives incessantly pecking away at the problem of innovation—knowing its value but at the same time grounded by the engines of what they know how to do—may not cross the innovation threshold, Consultant Karen Morris suggests. Among her reminders: 1. The hen reminds us that evaluating a competitive portfolio of options is far better than leaping on the first good-looking idea that comes along. 2. When leading incumbent industry players are disrupted, it is almost always by products or services that at first were relatively inferior and cheaper.