Sigh. There is no possible way to advise how bad it is to work at NJM. Many of the other reviews list the basics - micromanagement, incompetent management, lack of caring, treats employees like robots, pushes people out, you can do no right, cliques (LITERALLY like high school, which is pretty messed up being encouraged by and participated in by MANAGEMENT), and so on. A lot of the reviews here talk about millennials. If you are a millennial starting here, listen to me - you are a warm body to fill a seat, and as soon they either a) figure out you don't fit in their clique, b) figure out you are intelligent (i.e., you will question them if something doesn't make sense), and c) realize they cannot boss you around, they will be gunning for you. Much of upper management is not well educated, and they certainly have very little, if any, grasp on current trends in management practices, what millennial and z generation workers expect from the workplace, or how to treat employees for retention. Since I've left, I've worked at a few other places (twice as an intern while getting my Masters, and now full time in Washington, DC), and it is a world of difference. NJM likes to make employees think and feel like they are worthless, because that is the only way they can get you to submit. Current employees, if you are thinking about leaving, make a plan and have the courage to leave. It is so much better out there than you think (get out of insurance too, bad growth (see occupational outlook handbook). This kind of behavior by employers is systemic in the insurance culture, although no stories I've heard for elsewhere are as bad as what I and others have lived through at NJM).
Seriously, run as fast as you can. NJM is essentially a prison - maybe not for the body, but certainly for the mind.