This is the perfect company for people who want to stay at one company, not be overly challenged, stay there FORVEVER and retire. The average employee has been there 10-20 years. And it's not because Chubb is the best company in the world. It's because no one is overly challenged and employees are allowed to stay - whether they are significant contributors or not. Technology is from the 1970s. There are very few millennials. 50% of Chubb's workforce will be retiring in the next 5 years. If you aspire to Google, Yahoo, Amazon or Bloomberg, want to be innovative in a highly energetic environment, this is not your place. As an investor, I don't know how you would ever invest in a company this far behind the times.