Excruciatingly boring...
...it was hard to make it through this even though I was surfing the internet to give me a distraction.
It was pretty much average across the board. Not bad enough to laugh at (except the final scene's special effects which are truly LOL worthy). Not good enough to actually like. Isabella Rosalini was kinda fun to see onscreen for a few minutes. And there was one "WTF???" moment when I realized Judd Nelson was in this! The "best" thing I can say about it is I was actually able to (barely) make it through the whole thing before deleting it from my hard drive. This is more than I can say about the previous 3 low budget horror flicks I tried to watch.
I'm sure there are more exciting insurance seminars out there. Download those instead. 3/10.