Pros
The only positives about this company are their benefits package and they make sure to remind you of that every chance they get. This is a good company for someone with absolutely no insurance training or experience as you will be exposed to the insurance industry.
Cons
Beware. If something seems too good to be true, then it usually it is. They entice you to work for them by droning on about the great benefits they offer. If it's such a great company, then why did the CEO's two senior level executives leave after 25 years of service? The hours are 9-5, but really they are 8:30 - 6 almost every day and they only pay you for a 35 hour work week and often times expect you to work through your lunch. They will schedule lunch meetings frequently and expect that you forfeit your lunch for the "good of the team". Most teams are extremely understaffed and management works their "underwriters" like data entry monkeys. You are expected to quote as many submissions as you can in a day (minimum of 30) and if you don't hit that number or you make errors you are pulled aside and reprimanded. If you like being micro managed and watched all day long then you might enjoy this company. USLI manages through fear. Even the team leaders are afraid to stand up for their team members and "go to bat" for them because they fear for their own jobs. They do not promote people based on talent and leadership qualities, the basis for promotions is whether or not you have convinced someone in upper management to like you and advocate for you. If you can do that, then you have every chance of becoming the COO or the leader of a regional office with no real training or qualifications. Just look at the credentials of some of their Top Level people. They call the job underwriting, but it's far from it. You cannot amend coverages, amend rates, or make any decisions outside of their "box underwriting guidelines" yet they expect you to write business and grow premium dollars with your customers. It's a joke. Their policies offer no real coverage whatsoever. There are exclusions for almost every real exposure you could have. They have such a great A.M. Best Rating because they never pay real claims. Smart customers who actually know insurance even see it and have stopped placing business with them to protect their E&O. They do not offer flex time and they could really care less about you as an employee. You are not valued, no matter how much you think you are. Every single person in that company is replaceable to them. The pay structure is a joke. Some underwriters make $100K, while others who are just as qualified or even do more are making $60K. The work environment is much better if you are offered a position in the Home Office versus the regional offices. The leadership in regional offices particularly what I have seen is horrific. They do not know how to manage people. I have never worked somewhere where team morale is so low and people truly hate each other. In closing, USLI brainwashes their people to believe that they will never have a better deal anywhere else. This is only true for their health plan and profit sharing, but life after USLI is better than ever. There is no amount money that would ever entice me to go back to that torture.