My wife worked in Insurance for a while. The companies tend to follow two two business models:

1. Advertise like crazy to get new business in. Then refuse to payout claims and pay substandard rates. Lose customers as quickly as you gain them. Mitigate these losses by having 100's of brand names/shell companies to mask your activities.

2. Do minimal advertising and rely on word of mouth and sales distribution network. Pay out fairly and give decent customer service.

Generally any company that you recognize the name from advertising is going to fuck you over. Most of the other company names you've never heard of are the same companies trying to fuck you over.