Most, if not all candidates are brought in through college sales program. There's typically a phone screen/skype interview before getting asked to come into the office. If you're offered to come into one of the local offices, you spend a day or two following the sales people and you really get to see them in action. This allows you to have a real glimpse of what an actual day is like in their shoes. At the end of your follow days you'll sit down at some point with a hiring manager for the formal interview.

3 meetings, 1 meeting 4 hrs. Initial call, 2nd call. Final call. They recruit. Not likely to apply and hear from them. The scout the talent mostly on LinkedIn. They base their decision on how many yes/no you get from the four panelist. They promise good health care coverage, then they say “well you should make enough to cover your own”.