USLI Reviews

Pros

The training and professional development program is one of the best. Regarding company culture, USLI practices what they preach. In my experience with leaders on multiple teams, they are consistently helpful, communicative and positive. The workload is what you make it and is manageable. Benefits are great!

Cons

Required to be in office 4 days a week.

Pros

Overall good company. Pay is okay (about industry standard) but bonuses could be better. Benefits are great, including free lunch daily. Health insurance is amazing with no deductibles. Management is good but is inconsistent. My team managers are great but I have heard the opposite of other teams managers. The company is pretty transparent as a whole. We also get half days every other Friday during summer months

Cons

Flexibility is lacking. The CEO keeps preaching we need to go back to the office to “establish our culture” which seems like a load of bs. We worked remotely the past two years and set record highs for revenue but are now expected to go back 4 days per week. The company has had a mass exodus of employees over the last year due to this and is struggling to fill positions which is leading to everyone feeling overworked. Upper management refuses to open their eyes and see that things are changing. There is also little room for advancement unless you are looking to go into management

Pros

I'm well paid and in a low-stress environment. The benefits and on-site perks are great and the team I am on has a great structure. I can't speak to the other underwriting teams.

Cons

We are returning to the office 4 days/week.

Pros

Profit sharing, paid healthcare, supportive peers, job security, company is financially strong

Cons

It is lagging behind the industry standard since the pandemic. Employee retention was outstanding until recently. They pay new hires much higher salaries. Pre-pandemic employees are expected to bring their equipment back and forth to the office or use their own laptops while new hires get surface pros. The mass exodus is putting a strain on the ones who stick around causing burnout and poor morale.

Pros

Good training for those new to the insurance industry but then you need to move on for better pay and opportunities, no cost to employee health insurance including for those who have families, great group of co-workers

Cons

All teams are continuously short staffed. Underwriters are quoting more and more submissions due to the number of people leaving but the company is in denial that there’s a problem. Nothing is ever good enough and you are constantly being told what you are doing wrong without any positive feedback. Pay is below industry standards and the company wants everyone back in the office 4 days a week starting June 2023. Going back into the office was supposed to be optional until then but there is pressure to go in now. Hours are not flexible and it takes way more than 35 hours a week to get the amount of work you are given done. It can be difficult to schedule vacation time because only a certain number of people can be out at the same time. Nepotism runs rampant. It doesn’t matter how hard you work or what qualifications you have. A relative of an executive or friend’s kid from the country club will get ahead over you. There’s no HR department to go to with an issue only a compliance team consisting of managers. You are supposed to give 2 weeks notice but will be gone within a half hour of giving notice and will not even be paid for that day. There’s a reason why there so many open positions.

Pros

Benefits. Good first job. Paid education and learning perks.

Cons

Everything else. I have a lot of integrity and work/business ethics. I require transparency. Neither can be found at USLI. Most obvious, even to you reading this, is that every time a bad review is posted, they give someone an "incentive" to write good reviews, so that the bad review is buried. The company has no diversity. It is a Caucasian, Catholic company, they even have a prayer group. They do have a very small LGBTQIA+, but curiously, they are all outward facing people. Heavy work loads, mundane tasks, people issues are all part of life and expected on the job but . . . but . . . what is not acceptable? Running food drives for your own employees because they are not making a living wage while some staff are millionaires. Making hourly people come in unpaid for meetings. Being afraid to drink water prior and during a meeting because of the ramification if you get up from the meeting to use the restroom. Management indiscretions that the entire company knows about Rampant nepotism. Fat shaming people to go to the office gym.

Pros

–Training and educational resource(s) –Relatively decent benefits, but no 401(k) match –On-site fitness and sports facility –“Free” lunch (included in your total comp so it's not free) –If you have a good leader, you will avoid some of the cons below

Cons

Sort the reviews by “Lowest” and just skim through them. You’ll see vast amounts of common trends and things to be aware of. –Inappropriate, unprofessional, biased behavior/treatment by leaders –Salaries are below industry standard regardless of your discipline. Additionally, annual raises are ~3%, and the quarterly bonuses are comical. There is no transparency or structure for how these increases (if you get one) are calculated. Same with promotions, which leaves room for bias since it’s at your supervisor’s discretion. –Working overtime, without being compensated, is an expectation. You can expect micromanagement as well. –No HR to report any issues –You’re voluntold to do optional programs, activities, fundraisers, or courses with your free time/money.

Pros

Good pay, benefits and work culture

Cons

No longer remote work, culture can be a lot

Pros

Fantastic health benefits with very low exposure; Good work-life balance; Profit-sharing options; On-site cafeteria; On-site gym. USLI takes its work culture very seriously and rigorously interviews potential employees; however, some individuals view the interviewing process as excessive. In my opinion, the fruits of this effort are evident; because the people that work here are pleasant and committed to their jobs. Regarding career opportunities, there is room for both vertical and lateral movement. Annual bonuses are guaranteed, but almost always given. Raises are often above the stereotypical 3%. The CEO genuinely cares about his employees and has a very high standard of ethics. The only thing preventing me from giving senior management 5 stars is the current push for a return to in-office work despite many employees expressing an interest in continuing work remotely. The company is very open about its financial stability with its employees and continues to be highly profitable.

Cons

At the time of this review, fully remote positions are not an option; yet, some employees enjoy this perk due to various circumstances prior to the pandemic. At the time of writing this review, USLI is enforcing up-to-date vaccinations or mask mandates, even though these restrictions are being relaxed around the country. Some individuals may view this stance as a perk. Salaries overall are not as competitive as they could be; however, the absence of expensive healthcare costs significantly offsets this con. If you are a smoker, the catch with the health benefits is that they have a tobacco-free campus and they do ask about your status as a smoker or a non-smoker.

Pros

The training they provide is great! They support continued education. They provide additional time off in the summer. Medical benefits are great and premiums completely paid by the company.

Cons

Not supportive of a remote environment. Not very flexible. It feels like you have to kiss up to leadership and fake a smile to be successful here.