Community & Culture
What is the name of our shared value system here at USLI?
The CARE2 Values
How many branches of insurance are there?
4 major branches
What is the first step in the policy lifecycle?
Submission
What is Reinsurance?
Insurance for insurance carriers
What platform would you use to log your hours, or request time off?
ADP
What is the name of our Leadership Model at USLI?
Leadership With Heart
Which risk management technique is the following:
"A retail store purchases liability insurance"
'risk transfer'
The Underwriting Teams handle which portion of the lifecycle primarily?
Quoting
What are the 3 ways we receive submissions?
Phone, Email & Web
What do you set in Outlook when you are Out of Office?
Out of Office Automatic replies
What is our definition of 'winning' here at USLI
Goal #1- achieve a combined ratio of 90% or less!
What is the combined Ratio Formula?
Loss Ratio + Expense Ratio = Combined Ratio
What do we call the 'temporary contract of insurance coverage issued by the insurance company (us) to the insured'
The Binder
What are the 4 major branches of insurance?
1. Life 2. Health & Disability 3. Property 4. Casualty
Name one Community-Wide Service Promise
Examples: answer on first ring, set VM each day, never share pain, etc...
Name each of the CARE2 values in order
Caring, Attitude, Respect, Energy, Empathy
What are the 2 main profit sources for an insurance carrier?
Underwriting Net Income & Investment Net Income
What do we send when a submission does not meet our UW guidelines?
Declination Letter
What are the two types of service promises?
Community Wide Promises, and Team Specific Promises
Name one Team-Specific Service Promise
Examples: Rolling 3 hours for Quotes & Binders, 2 business days for policy issuance, etc...
List the 5 Community Goals
1.Combined ratio of 90% or less
2.Get what we want...and have our customers love giving it to us
3.Be the #1 service company within the insurance industry
4.Make people feel #1
5.Keep it simple, give 100% effort, win and have fun doing it!
List 2 major differences between admitted vs. non-admitted policies
Admitted is backed by state guarantee fund, non- admitted is not
Admitted is heavily regulated by state, non- admitted is not
What are the 4 components of an insurance policy?
Declarations, Insuring Agreement, Conditions, and Exclusions
What is our 'AM Best' Rating?
A++ Superior
What is our current combined ratio *as of end of 2025?
75.4%