Salaried Agent Program: made very little money, and Life Insurance sales campaigns were ridiculous - Anonymous employee Shelter Insurance Employee Review

2.0
Jun 13, 2014
Anonymous employee
Recommend
CEO approval
Business Outlook

Pros

I liked that there was some independence

Cons

The salaried agent program was a joke. They made me believe that I would be making a small base salary and then commission on sales I brought in. However, they forgot to mention that you only make commission the first year. Which I expected for Life Insurance, but not property and casualty. They also expect agents in rural areas to make the same goals during life campaigns as those in larger cities, which I don't think makes a lot of sense. Another thing that was discouraging was the fact quotas for life sales run quarterly, and sometimes we would have a life campaign start the next day, so even if I had just gotten a policy issued, it was no help in the campaign. Overall, it was stressful and a terrible job! Underwriters also waited weeks before declining properties, so customer thought they were in the clear, and then they would cancel on them.

Explore other reviews about Shelter Insurance

5.0
Jun 1, 2026
Recommend
CEO approval
Business Outlook

Pros

Very easy internship at a good company

Cons

Low pay, not very structured

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Shelter Insurance Response
4w
Thank you for sharing your experience with us. We’re glad to hear you enjoyed your time at Shelter and found the internship to be a positive introduction to the company. We also appreciate your candid feedback regarding pay and structure—this insight is valuable as we continue to evaluate and enhance our internship program to better support and develop our interns.
2.0
Apr 10, 2026
Recommend
CEO approval
Business Outlook

Pros

Amazing team members, some of the kindest, smartest and most resourceful people I've ever met. There are people at this company that have worked here for decades, the amount of company/business knowledge you can pull from this is absolutely beautiful/inspiring.

Cons

I’ve always disliked when companies describe themselves as “like a family,” but for a long time that actually felt accurate here until about a year ago. Since then, the culture has noticeably deteriorated. The environment has become increasingly corporate, cold, and transactional. Employees, including long-tenured staff, are treated as interchangeable resources rather than experienced contributors. There is an unspoken expectation of consistently working beyond 40 hours, with weekend availability treated as normal rather than exceptional. The return-to-office mandate was handled in a rigid and dismissive way. Employees who were barely outside commuting thresholds were given no flexibility or meaningful consideration. At the same time, there appeared to be a growing cultural preference against remote workers, despite clear evidence that remote employees were still delivering strong results. In contrast, relocating to the office was quietly rewarded with promotions, raising legitimate concerns about fairness and consistency in advancement. Work is frequently assigned without regard for existing workload or operational reality. Teams are overloaded with competing priorities, leading to confusion, duplicated effort, and avoidable system instability. New tools and processes are often introduced before older ones are fully stabilized, resulting in constant disruption rather than improvement. Overall, the company has shifted from a collaborative and people-focused culture to one that feels reactive, poorly coordinated, and increasingly indifferent to employee experience.

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Shelter Insurance Response
2mo
Thank you for sharing such a thoughtful and candid reflection on your five years with us. We’re glad you found a strong community here, but it’s disheartening to hear that our culture has recently felt cold and transactional. Your feedback on workload, the return-to-office transition, and the need for better work-life balance is invaluable. We are committed to ensuring our long-tenured experts feel valued as people, not just resources. If you have any concerns, or would like to discuss further, please don't hesitate to contact our People Resources Team.
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