Insurance Operations is behind the times, but slowly implementing a new system and making strides toward a new service model. One Executive does not meet with his entire division (at all). The CEO and COO will not look past people with weight issues. Effective June 2016 the new HR leadership offered an "Employee Agreement", followed by a "Voluntary" Retirement Incentive (VRI) to 20+% of the staff. While the VRI it was "voluntary" for some who jumped on it right away, many others who delayed or rejected the VRI were later told "it would be in their best interest to take it because their position was being eliminated". Between 10-15% of the oldest and most tenured people (and all of their intellectual capital) left the organization and there were talks about "eliminating more positions". There is no longer balance between ministry and business. One senior leader said that if we just hired some more millennials we could get things done a lot faster. On 6/6/16, the CEO was heard saying we have been around 98 years and will be around for many more, "if we can remain solvent".