The underwriting is lengthy and highly intrusive. I guess that's why their financial ratings are good, they have a safe portfolio. The advantage to SF is that you can always deal with a live person, face-to-face at an independently owned office. If it's a relationship you like, then they are very good. You pay for it though. Premiums seem higher than average.
After two weeks' of purchasing their policy, the policy is still pending, and I still keep receiving mail and email asking me to provide additional information, from their different local agent. So I was tired, cancled their policy and purchased from another insurance company. Then I received my new insruance card within five days.