Family Heritage Life Insurance

  www.familyheritagelife.com
  www.familyheritagelife.com

Family Heritage Life Insurance Reviews

33 Reviews
3.7
33 Reviews
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Family Heritage Life Insurance President and CEO Howard Lewis
Howard Lewis
26 Ratings

6 Employee Reviews Back to all reviews

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  1. 5 people found this helpful  

    Unprofessional, bait and switch

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Independent Sales Agent in Colorado Springs, CO
    Current Employee - Independent Sales Agent in Colorado Springs, CO

    I have been working at Family Heritage Life Insurance as a contractor (less than an year)

    Pros

    Make your own schedule
    Unlimited Income

    Cons

    No financial support for anything including marketing materials, basically everything you do is out of your pocket, so only apply if you have a few grand saved up. If you dont sell enough and you quit, they make you pay for sales traning and whatever debts on your account. Really there are too many cons to list about this career. So do your due diligence before signing the contract.I feel like they only get people to sign up with them after brain washing them that this is the best company to work for etc. In a nut shell, this is a pyramid scheme, trust me there are better companies out there!

    Advice to ManagementAdvice

    Provide better hands on training, communication with agents, and the first few months help the agent get leads and not throw them to the wolves! Also please act more professional when giving advice to the agents under you and not treat them like children, we are all adults here!

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  2. 4 people found this helpful  

    Completely deceptive hiring practices and poor management support

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Sales Agent in Houston, TX
    Current Employee - Sales Agent in Houston, TX

    I have been working at Family Heritage Life Insurance full-time (more than an year)

    Pros

    Flexible work schedule or not.

    Cons

    Family Heritage tries to entice potential candidates with the story that they can have a great career by selling 1 policy a day. They go on to say that this goal is not a stretch. The fact is some of their best agents have a tough time meeting this goal. The vast majority of agents don't ever come close. As a result, there is extremely high turnover in agents.

    But high turnover is just part of the game. They make money off of you whether or not you stay because it is a pyramid game. And when you leave, they take the commissions that you've earned. It really is a terrible scam.

    Plus, they market their policies to the poor and ignorant. They don't try selling their policies to middle to upper income folks. Anyone with a little smarts won't buy their policies. I've seen some of their top professionals complete applications while the individual was saying that they couldn't afford it or needed more time to consider the policy---terrible strong arm tactics.

    Advice to ManagementAdvice

    First be honest with potential recruits. Second, get real jobs and stop the scam!!

    Doesn't Recommend
    Negative Outlook
    No opinion of CEO
  3. 4 people found this helpful  

    Family Heritage Life Insurance Company of America is a complete scam, both for the end-consumer and the employee!!!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Sales Agent
    Former Employee - Sales Agent

    I worked at Family Heritage Life Insurance full-time (less than an year)

    Pros

    Potential buyer beware. Potential employee (“independent contractor”) beware. This company solicits overpriced dread-disease policies (cancer, accident, heart-disease, and life insurance) door to door in lower-class areas, often to people who cannot afford traditional major medical health insurance. The only people who are really making money are the CEO, Howard Lewis, and his slimy entourage of upper management. You are merely a slave, given no base salary, no benefits whatsoever, who is encouraged to work from 10am to 9pm, Monday through Saturday to fatten the wallets of your managers while they are out brainwashing more potential sales reps. Why? Because the turnover for this legal pyramid scheme is through the roof – they can’t hire people fast enough to replace all of the turnover (which is probably in the 60-75% range. Seriously).

    Why this is an awful insurance policy to own:
    1) It is overpriced compared to Aflac and other policies available through your employer.
    2) They target people in lower-class neighborhoods, many of which don’t own a major medical policy. They are conned into thinking that “at least they have some coverage.” In reality, they do not – they are only covered if their family deals with cancer, heart disease, or accidents. And poorly covered, at that – the reimbursements hardly cover the money you pay in premium.
    3) The customer service is awful and they, like any other insurance company, will do their best to avoid paying claims whenever possible.
    4) If it was so great, wouldn’t you have called them? They just showed up at your doorstep to sell this thing to you. Doesn’t that sound a bit strange?

    Cons

    Why this is an awful insurance company to work for:
    1) Door to door. Residential.
    2) They place you in lower-class neighborhoods, encouraging you to work from 10am to 9pm at night. Most of these areas are unsafe after dark.
    3) No base salary. No benefits. Nothing. You pay your own gas, your own hotel costs, your own airfare to company functions, even the parties that are held at company functions – those go right on your tab! What a joke!
    4) 100% Commission-based. And the commission is entirely arbitrary – they assign your contract percentage based on how badly they want you to work for them. The directors/managers are on 80% or higher contracts. They give their slave labor contracts ranging from 30-70% of the premium amount. That means, in most cases, your manager makes MORE money than you do on YOUR sales!
    5) They don’t care if you quit – if you quit, your manager still gets paid on your policy for the time that policy stays on the books.
    6) Policy retention – these policies, much like the salesforce, have an incredibly high turnover. Policies are cancelled at a ridiculous clip – somewhere in the 25-30% range. If not higher.
    In summation, you are out of your mind if you are ever convinced that this is a good company to work for or buy a policy from. The polices are terrible, the salesforce is a bunch of kool-aid drinking half-wits who are merely slaves to their manager, who kicks back and makes the majority of the money while you sweat your tail off, selling this crap door to door. Buyer beware. Employee beware. You have been warned.

    Advice to ManagementAdvice

    Put on blindfolds, run around in traffic, and leave the general public alone.

    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO
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  5. 3 people found this helpful  

    Sink or swim - they don't care. You sell, they make money, you don't, no skin off their backs

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Career Opportunities
    Former Employee - Sales Representative
    Former Employee - Sales Representative

    I worked at Family Heritage Life Insurance

    Pros

    Unlimited income -- the more you work, the more you sell, the more you make

    Cons

    Unfair commission structures -- people get paid anywhere from 30-70% and it's all "hush-hush"
    NO salary, NO benefits, NO gas/hotel reimbursement (you have to travel once per month)
    Work 50+ miles away from home on a daily basis in small, podunk towns

    Doesn't Recommend
    Disapproves of CEO
  6. 4 people found this helpful  

    Deceptive hiring process

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Career Opportunities
    Former Employee - Sales Professional
    Former Employee - Sales Professional

    I worked at Family Heritage Life Insurance

    Pros

    Insurance program is good if it matches sales pitch

    Cons

    Group interviews with deceptive information - job not as stated.
    Employee pays for training, travel and hotels if resigning.
    Micromanagement

    Advice to ManagementAdvice

    Be honest with applicants about the position. If you want door to door salesreps, don't hire business to business reps. Charging a professional sales person for their training if they don't stay in the position, after being deceived, says it all. Quality employers do not need to deceive to hire, do not do group interviews and invest in their sales staff.

    Doesn't Recommend
    Disapproves of CEO
  7. 5 people found this helpful  

    Don't drink the Kool-aid

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Career Opportunities
    Former Employee - Licensed Agent
    Former Employee - Licensed Agent

    I worked at Family Heritage Life Insurance

    Pros

    Training on sales process is unique and works well

    Cons

    Management keeps administrative expenses charged to the agent a secret and if you leave the company you will be charged for all the forms, brochures, etc. that you used while working

    Advice to ManagementAdvice

    Be absolutely upfront with all new agents about costs that they will incur while working for the company

    Doesn't Recommend
    Disapproves of CEO

Family Heritage Life Insurance Photos

Family Heritage Life Insurance Company of America
Howard Lewis, CEO and Founder
Family Heritage Life Insurance Company of America

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