1. No matter what they tell you, it's an inbound call center. You are expected to be available on the phones from the literal second (that's recorded) you log on, to the literal second (also recorded) you log off. You are given two 10 minute breaks, and a choice between a 30 minute or 60 minute lunch. If you choose the latter, your day is extended to accommodate the lost time on the phone.
2. If you somehow end up in this situation with a degree, you will be reporting to an immediate supervisor whose highest tier of education is high school. This individual is responsible for pulling calls you took, supposedly at random, and critiquing them. If you fail an absurd metric, such as forgetting to provide a canned sequence of information at the end of a call, you will fail. Fail a call and you will forfeit any possibility of seeing a monthly bonus.
3. Monthly bonuses: During my time in this position, my team generated premiums in excess of one million dollars every month for six months straight. If you failed a call, you would not realize any bonus for your contributions. Fear not, for you WILL receive a rubber bracelet similar to the LIVE STRONG bracelets that instead reads "Million Dollar Club." In addition, you will receive a coupon for a cup of soup redeemable at the cafe downstairs in the lobby.
4. Employee Appreciation Days: Other departments are invited and welcome to join outdoor cookouts and half days with a cold beer. It looked very pleasant actually. I would have enjoyed them had we not been required to remain on the phones to continue servicing calls instead.
5. Staff Development: Career development is probably something that is valued in other departments. However if you are one of the unfortunate souls that make up the claims, customer service, or sales departments - you're doomed. During my two years there, I knew of only one person able to break out of these departments in a vertical transition to something like Finance, Underwriting, or Marketing.
6. Weekends & Holidays: If you are in this role, you will be working alternating weekends. I have heard that since I left, you actually are compensated better for the mandatory weekend rotations. That being said, you are also expected to work Holidays. Every time you work a holiday, you accrue points. If you have enough points by the time a major holiday rolls around, say Christmas, there is a lottery system in place that works like a draft. If you do not have enough holiday points, you're working Christmas. While I was there, I worked every major holiday including Easter, Thanksgiving, and Christmas.
7. Hourly Pay: As stated above, I'm aware that there has since been adjustments to the hourly rate of CSR and Sales. When I was there, the base pay for normal business schedule was $13 / hour. If you wanted to see the most pay, you had to be willing to work from 4:00PM until midnight for $15 / hour.
8. PTO: You must accrue the PTO before you can actually use it. You may not take off the same day that someone else on your team has reserved. There must always be enough people on the phones to service calls.
9. The calls: Be prepared to deal with the absolute worst that this planet has to offer in terms of humanity or lack-thereof. You are the front lines for servicing phone calls for disgruntled customers that were foolish enough to fall for the product this company sells in the first place. The majority of your calls will be to either refund people that mistakenly purchased the policy at the time of purchasing tickets, or sell the policy itself, or notify a customer that their claim is not covered by the policy. I unfortunately had to tell numerous cancer patients that their condition was considered pre-existing and likely would not be covered by the policy at the time that they filed. By the end of the day, it was more common that I received some sort of death wish from a cancer patient than not. I can't say that I blame them.
10. Management: They are aware of all of this. They do not care. They will always have a pool of people to draw from that hold a high school diploma, or are under employed with a bachelor's degree.