It seems everything old really is new again, making vintage and retro all the rage. People are in love with classic cars, antique furniture and golden oldies. The same can't be said for technology, however. Even though many insurers still are struggling to maintain legacy systems, there is nothing "cool" about them.

Think back just a few years to that flip phone that you carried in your pocket. It was cutting-edge. Just like a Star Trek communicator, right? Now, think about trying to answer an e-mail, send a text or buy something online using that phone. Not a pretty picture is it? Do you remember how many clicks it took just to make a lower case "o"?

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