Jeffrey Wade
Family First Life is a licensed insurance agency that offers multiple types of insurance and represents dozens of insurance providers. They are an insurance broker that partners with insurance companies such as Mutual of Omaha, John Hancock, and AIG. Family First Life has received mixed reviews, with some people calling it a scam and others praising the company for its training and high compensation. The company has been accused of making false income claims and selling overpriced, low-quality leads to its agents. However, it is a legitimately licensed insurance agency authorized to sell insurance nationwide, and each sales agent holds the proper state license.
| Characteristics | Values |
|---|---|
| Legitimacy | Family First Life is a legitimate company authorised to sell insurance across the USA. |
| Business Model | Family First Life is an insurance broker that partners with dozens of insurance providers. |
| Products | Final expense insurance, mortgage protection insurance, indexed universal life, fixed index annuities. |
| Training | Training is free and comprehensive, but some say it is inadequate. |
| Work/Life Balance | Varies depending on the agent's work ethic and upline. |
| Pay | Commission-based, with some employees reporting high pay. |
| Culture | Some say the culture is great, others say it is toxic. |
| Customer Service | Some customers have complained about pushy and misleading sales tactics. |
| Lawsuits | Family First Life has been involved in multiple lawsuits. |
What You'll Learn
Family First Life is a scam according to some sources
Family First Life: Scam or Not?
Family First Life (FFL) is one of the largest insurance agencies in the USA, offering life insurance, health insurance, Medicare products, and annuities. However, some sources claim that the company is a scam, with allegations of lawsuits, false advertising, and a multi-level marketing (MLM) structure that takes advantage of its agents.
The Scam Allegations
On online forums and review sites, numerous individuals have shared their negative experiences with FFL, warning others that the company is a scam. Common complaints include:
- Misleading recruitment tactics: FFL allegedly makes exaggerated income claims to lure new recruits, promising high earnings that are not realistic for most agents.
- Expensive and low-quality leads: FFL agents are expected to purchase their own leads, which can be costly and often result in low conversion rates. The company is accused of selling recycled and low-quality leads to its agents.
- Chargebacks and debt: Agents report experiencing high chargeback rates, which can lead to significant debt. FFL is accused of profiting from these chargebacks, as agents are required to return commissions on cancelled policies.
- Pushy sales tactics: There are reports of FFL agents being encouraged to push certain policies due to bonuses, even if they may not be the best option for the client.
- Lack of training and support: While FFL provides training, some agents claim that it is inadequate, particularly for new agents. There are also complaints about a lack of support from uplines and management.
- Lawsuits and legal issues: FFL has faced multiple lawsuits, including allegations of business opportunity sales law violations and Do Not Call violations.
The Other Side of the Story
Despite the scam allegations, it's important to note that FFL is a legitimately licensed insurance agency with thousands of licensed agents nationwide. The company has been in business for over ten years and partners with dozens of reputable insurance carriers. Some positive aspects of working with FFL include:
- High compensation: FFL offers competitive commission rates, with some agents reporting earning good incomes.
- Training and resources: FFL provides free training, conventions, and a CRM system to support their agents. They also offer licensing schooling and pay for it.
- Flexibility: Agents have the flexibility to work remotely and set their own schedules.
- Opportunity for business growth: FFL allows agents to build their own agencies and earn additional income through overrides and renewals.
Final Thoughts
While there are scam allegations against Family First Life, it is important to consider both sides of the story. The company has a large presence in the insurance industry and offers competitive products. However, prospective agents should carefully consider the concerns raised by former employees and conduct thorough research before joining.
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Family First Life has a BBB rating of 2.19/5
In addition to the BBB rating, there are a number of online reviews from former and current employees of Family First Life, with a range of both positive and negative experiences reported. Some employees praise the company for its training opportunities, high compensation, and flexible work environment, while others criticise the company for its aggressive sales culture, low-quality leads, and lack of support.
Overall, while Family First Life does have a BBB rating of 2.19/5, it is important to consider a range of sources and reviews to get a full picture of the company's reputation.
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Family First Life is a legitimately licensed insurance agency
Family First Life (FFL) is a legitimately licensed insurance agency authorized to sell insurance across the United States. It is an insurance marketing organization with agents and offices spread throughout the nation.
FFL is a licensed insurance agency authorized to sell insurance in all 50 U.S. states, including D.C. They are licensed to sell life insurance, health insurance, Medicare products, and annuities. The primary products they market are final expense insurance and mortgage protection insurance.
The company was started in 2013 by Shawn Meaike, who remains the president and CEO. In October 2019, Family First Life was acquired by Integrity Marketing Group.
Family First Life has received mixed reviews from its employees. While some praise the company for its training, leadership, and compensation, others have criticized it for its lead generation process, work culture, and management.
The company has also faced lawsuits and allegations of being a scam or multi-level marketing scheme. However, it is a legitimately licensed insurance agency with thousands of licensed agents and affiliate offices nationwide.
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Family First Life has a rating of 4.1 out of 5 on Glassdoor
The company has a positive outlook, with 79% of employees saying they would recommend working there to a friend. Employees commonly mention the pros of working at Family First Life to be senior leadership, benefits, career development, and high compensation. The cons are often related to management and the need to buy leads.
Reviews on Glassdoor are mixed, with some employees praising the company's culture, training, and high compensation. Others warn of the high cost of leads and potential chargebacks, which can result in financial loss.
Overall, Family First Life has a relatively positive rating on Glassdoor, but there are some negative reviews and concerns about artificially inflated ratings, so it is essential to exercise judgment when evaluating this employer.
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Family First Life has an average rating of 3.5 out of 5 on Indeed
Family First Life (FFL) is a legitimate, nationally licensed insurance agency that offers multiple types of insurance and represents dozens of insurance providers. They are an insurance broker that partners with dozens of insurance providers such as Mutual of Omaha, John Hancock, AIG, and many more.
Indeed.com, a website that provides information about companies and their employee reviews, gives Family First Life an average rating of 3.5 out of 5 stars. Out of 433 reviews, the company received ratings of 3.7 for work-life balance, 3.6 for job security and advancement, 3.5 for management, and 3.7 for culture.
The reviews on Indeed are mixed, with some employees praising the company for its high pay, flexible hours, and supportive work environment, while others criticise it for its expensive and low-quality leads, lack of training, and high chargebacks. Some reviewers mention that the company pushes certain policies due to bonuses, which may not always be in the best interest of the customers.
Glassdoor, another website that provides insights into companies and employee reviews, gives Family First Life an overall rating of 4.1 out of 5 stars, with 79% of employees recommending the company to a friend. The reviews on Glassdoor are also mixed, with some praising the company for its high compensation, free training, and supportive leadership, while others criticise it for its overpriced and low-quality leads, toxic culture, and misleading income claims.
Overall, Family First Life has received average to positive reviews from employees, with some reporting high earnings and a supportive work environment, while others express concerns about the quality of leads, high chargebacks, and misleading income claims.
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Frequently asked questions
Family First Life is a legitimately licensed insurance agency authorized to sell insurance nationwide. Each sales agent holds the proper state license to sell their insurance products.
Family First Life is an insurance marketing organization that has agents and offices throughout the nation. They sell life insurance, health and Medicare products, and annuities.
There are two ways to buy insurance from Family First Life. First, you can speak to one of their sales agents who can fully process the application over the phone. If you prefer to do business in person, the other option would be to meet with one of their agents physically.
