Insurance Sucks Customer Reviews and Feedback

From Everything.Sucks

Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.


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I certify that this review is based on my own experiece and is my opinion of this person or business. I have not been offered any incentive or payment to write this review.


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"I worked at Standard Insurance Cons: No room for professional growth. All calls are actively being monitored and recorded. The positioning of security cameras are angled to keep a close eye on employees. The owners profess to be a Christian family, however their actions and intentions are hair raising dangerous. They do not provide performance reviews. However, they will verbally say "your not in trouble. There's nothing to worry about. It takes many years to really master all the moving parts of the Company. " In addition, for excellent work performed there's no acknowledgement. They behaved and pretended they genuinely cared when there was a family crises. Actions are so much louder than words."

Former Employee - Claims Adjuster says

"I worked at Standard Insurance full-time for less than a year Cons: To much work; old system... to much gossip and politics"

Former Employee - Claims Adjuster says

"I worked at Standard Insurance full-time for more than 3 years Cons: Technology outdated Will have a workload of 2 to 3 adjusters Files are not easily resolved because too many hands are in the file. Upper Management wants to stall out. A lot of underground sneaky things amongst the managers vs the bottomline Poor work/life balance No room for advancement No room to consider making workflow better for the adjuster."

Former Employee - Anonymous Employee says

"I worked at Standard Insurance full-time Cons: Oh wow where to even start. This company is operating in the most inefficient manner possible. A large contributing reason for this is the outdated doss systems. If you work in claims then you are not really an adjuster, you're more of a glorified receptionist as you will do all the leg work and pass it on for the managers to make a claim decision. Your opinion is irrelevant however they expect you to stamp your name on all claim decisions regardless of how you feel the outcome should be. They have no problem putting your license at risk. They do not trust you to make any actual adjusting decisions. The computers are beyond old some of them are even running windows 98, the fax machine and printers break down on an hourly basis, and the absolute waste of paper is just astonishing. This company loses great employees at a disturbingly consistent basis. The reason they all leave is the same, a combination of bad management from downstairs and a complete lack of pay raises. THIS COMPANY DOES NOT GIVE RAISES. They do not take into account the increase cost of living from each year. They have current employees who have been working here for years and are still making the same. I'm not sure what the last person was talking about with "frequent bonus opportunities" as this is a complete lie. I'm willing to bet the last person to comment is a department manager as the only employees that stay here are those who have made it as department managers. This is because they are the only ones who are compensated fairly and receive perks such as sports tickets or a trip to one of the vacation homes that the owners have. It is beyond frustrating to see the downstairs owners take 2 week long vacations multiple times a year, arrive at work at 10 AM, leave at 3 PM, and take a 2 hour lunch. Meanwhile there is no actual sick time that is given and you must use your PTO for sick days or even family funerals. I've worked for many different companies in the insurance industry and this one is by the far the most mismanaged company I have had the displeasure to work for."

Former Employee - Anonymous Employee says

"I worked at Standard Insurance full-time Cons: Lies. No advancement and no raises more work. To be somebody that matters you can only work downstairs. Btw downstairs is always locked. Lol"


"I worked at Standard Insurance Cons: Horrible culture, rotten management, hypocrites, old Dos systems, gossip, gossip, gossip."

Former Employee - Customer Service Associate says

"I worked at Standard Insurance full-time for less than a year Cons: They only have 3 people to answer the phones and about 4 adjusters TOTAL with a high turnover rate. They intentionally lie to customers who sign up for policies with no renters insurance but they will lie and tell you that you have it, and the claims department intentionally delays or denies claims. They require verbal and written statements for accidents, which causes more calls for customer service for a claims adjuster. They fire people at will, nothing Christian about this place. More deception than truth THERE ARE NO RAISES FYI. But you will see the CEO and family on month long vacations, new cars ,new bars and restaurants they're opening but they dont share with the pheasants aka employees . If you work in sales and are good they will find a reason to fire you or think that youre crunching numbers. This company used to be Rodney D Young. All old money......follow the trail and roots"

Former Employee - Anonymous Employee says

"I worked at Standard Insurance full-time for less than a year Cons: Management acts like 14 year old girls gossiping and shunning employees they believe are ungrateful, HR is unprofessional, attending the Christmas party is more important than meeting goals, new ideas are unwelcome"


"I worked at Standard Insurance Cons: Owner is crazy. Has anger management issues. Performance means nothing. The value those who flatter management over those who work hard."

Former Employee - Anonymous Employee says

"I worked at Standard Insurance full-time Cons: DRAMA DRAMA DRAMA! EVERYONE is always talking about each other. ESP the department managers!"

Agent (Former Employee) says

"Customer service is a 0-1 Rating. Rates too high to sell products. They put demands of production at unattainable rates. Company Is not trustworthy. Managers lie and tow the company line. Cons: Rates are not competitive"

Executive Office Assistant (Former Employee) says

"It really depends on which agent you work for. Some are amazing and some are not. Which most of them own their own agencies, so corporate has no say so in what they do."

Insurance Agent (Former Employee) says

"Goals are not set based on area logistics. Company opened a 2nd office within 10 miles and still expected same goal. It seems based on conversations with other agents their goal is for agents to bring in clients and then let you go."

Insurance Specialist (Former Employee) says

"Very unethical in a particular agency and lack morals. Based on the fact the District Manager was part of the corruption I would steer clear. Rebating, falsifying documents to get on the books for homeowners and sending pictures of another house to misrepresent on purpose."


"I did not have a good experience working for this company. I guess I just did not fit in with the group. They seem to be a tight nit bunch. Maybe it will be a better fit for someone else."

Adjuster (Former Employee) says

"Shelter is a great if you want to ruin your career. Give it a year. Don't work there long term. Most around you will quit. Your current job is better. Cons: Company is never fully staffed., No work life balance., No overtime to perform neccessary job function., Older technology., Management takes more vacation time off than employees., Manager and supervisors give comflicting directions and advice., Hardwork not appreciated., Revolving door of coworkers quiting."

Insurance Agent (Former Employee) says

"Good place to work if you want to get screwed. I worked there for 12 years as an agent. They terminated my contract before I was benefit eligible. No reason was ever given to me, so good luck with your Fantastic Shelter Insurance career. Cons: too many to list"

Agent (Former Employee) says

"This Midwest City Agency has turned over many times in the last couple of years. Clients are not happy. Many rate increases. Not competitive in P&C, Writing Life Insurance is the way to make up for that. The existing clients have been beat up with Life Insurance. Cons: get 300 xdates each month. constantly being asked to write more life insurance. not competitive"

Manager (Former Employee) says

"I learned I can do anything I truly set my mind on doing because I was the only employee for over a year at my agent's office while he was selling medical grade pain cream instead. I opened and closed every day and was great at my job."

Agent-Career (Current Employee) says

"It is a difficult job with little name recogntion, no leads, expensive career health insurance, small marketing budget and solo job as agent. I almost starved as salaried agent, if your spouse/significant other does not work, forget it. In comparison to my friends, which are Farmers and Farm Bureau agents-this career path is weak.I have been for while, now and am captive and could not take book with me, so I stay. Almost everyone I know would leave if they could. Cons: benefits, no name recognition"

Agent (Former Employee) says

"poor leadership/management (always made promises of additional training, but never followed through). Stressful environment also due to poor management. Cons: poor management"

Customer Service Rep (Current Employee) says

"Very disappointed to see that the Supervision in Shelter Customer Services does not care about their employees. When I interviewed I was happy to be part of the team until I started working there. There is no team. Very disorganized. Very out of touch/Not current/Old fashioned mentalities. They say that they "expect high turnover" and it is apparent. There are great employees/people that they are loosing at a very fast rate and they do not care. They post positions because they are replacing, not because they are growing. People are not getting fired, they are leaving. You are not a asset to their company you are there to fill a seat. You are bottom of the barrell and unappreciated. You will never hear that you are doing a good job, no pats on the back, you will only hear from a Supervisor if they have something negative to tell you. You are not promoted to the next level because you are good at what you do, it is only if there is a "need" to promote you. There is little (one step up) to no advancement in the Kansas City (Lee's Summit) call center. Upper level management, Management, Supervision, Human Resources are not aware how unhappy anyone is because they never take the time to ask us. Clueless. Unless someone gets lucky, finds other employment and just so happens to get a exit interview will anyone get heard and changes are never made. Other departments are happy with very little turn over, so it is probably a good company, just a horribly run department. Worst place I have ever worked. It's convenient to home and looking from the outside-in, I would have never expected Cons: low morale, little to no advancement, no set schedules, uncompetitive pay"

Heavy property adjuster (Former Employee) says

"They want you to complete 100 claims per month and not approve any OT. They pay well below industry standard. They do not provide fair goals and when you achieve these goals, they do not acknowledge your achievements. Cons: Below industry salaries, over worked and branch manager is not able to manage people, branch plays favorites with friends on work load and advancement"

Agent, Licensed Life/Health Property/Casualty (Former Employee) says

"Agents are put in the field after having to attend 2 10 day training camps in Columbia Missouri. No product knowledge is given at training and is like going to a Mickey Mouse Club show with people actually dressing up in skits. Absolutely ridiculous. If you are fresh out of high school and have absolutely no idea about sales in the work place this might be the training for you. Company is incestual - meaning husbands and wifes, sisters, uncles, aunts cousins all work here. If you are related to someone at Shelter (corporate) in Missouri you have a job, Even if your background or skill does not warrant it. And trust me there are many people in positions that have no idea what they are doing or zero skill in Management or Sales or Underwriting Then, Management in the field is NEGATIVE and UNPROFESSIONAL and there is absolutely no positive feedback or constructive criticism to help you build an agency. In fact if you are struggling to succeed and working 60 hours a week, They (manager) will literally tell you to leave and find another job! Any promise of a contract is a joke and the requirements are mostly unatainable so good luck there. There have been people who worked without a contract, (no renewals) for over 8 to 10 years, some were fired after putting in the time to the company and the field and a few were finally contracted after threatening to leave. They simply DO NOT support agents in the field and do not care how long an agency is sitting vacant. I would not recommend this company on any level. There is no comraderie, zero motivation from management and you Cons: Too many to list."

Agency Owner (Former Employee) says

"Spend the day prospecting for new clients. Cons: Did not have competitive rates."

Material Damage Adjuster (Former Employee) says

"It went from a small company feel to large corporation feel in past few years. All decisions are made by Home Office and not local. They set you up for failure by assigning more work than you can handle and then give you grief for overtime request. Numbers are hard to hit due to the “you work all types of claims and no specializing” atmosphere. There is no trust by upper management and they track every movement you make. They do not care about employees lives, only about keeping work off of your managers desk. The changes in the 15 years I spent there are very sad."

Insurance Agent (Former Employee) says

"They tell you that it's your own business, but it's not. You're a W2 employee. They can fire you at any time. You put in way too many hours for the amount of work you put in. The company is a good company, the structure just needs to be different. The manager I had, lied to me about a lot of things. I was way too trusting. I should have got things in writing."

Facilities Maintenance (Former Employee) says

"I would NOT advise anyone to work Facilities Maintenance at Shelter Insurance. It is a very uncomfortable environment to work in due to the supervisor being horrible. There are two sets of rules for people. His favorites get away with not doing their job while the ones who do work get harrassed on a regular basis."

Customer Services Supervisor (Current Employee) says

"This is a very slow paced office setting with terrible leadership and limited people skills. It is similar to being in high school again, only with adults."

CSR - Customer Service Representative (Former Employee) says

"Not ideal I did not enjoy working here at all. There was always something going on and I was the only one there that did any work. I worked on a seconds notice with no extra pay."