Family Heritage Life Insurance

www.familyheritagelife.com
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Family Heritage Life Insurance Reviews

Updated February 12, 2015
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3.0
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Family Heritage Life Insurance President and CEO Howard Lewis
Howard Lewis
9 Ratings

11 Employee Reviews

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  1. Good job

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

    I worked at Family Heritage Life Insurance

    Doesn't Recommend
    Positive Outlook
    Approves of CEO
    Doesn't Recommend
    Positive Outlook
    Approves of CEO

    Pros

    Great money making opportunities, good leadership in making sure your on target

    Cons

    You have to stay motivated and not get discouraged when getting turned down by customers

    Advice to Management

    N/a

  2. Helpful (4)

    Family Heritage commission Life

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Sales Manager in Kennesaw, GA
    Current Employee - Sales Manager in Kennesaw, GA

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

    Doesn't Recommend
    Neutral Outlook
    Approves of CEO
    Doesn't Recommend
    Neutral Outlook
    Approves of CEO

    Pros

    Family Heritage views its employees as family. There are countless incentives for meeting or exceeding sales quotas. You are given the freedom to run your business that suites your personality while receiving helpful hints and suggestions from directors and coworkers.

    Cons

    You are expected to build your own business without having a foothold in your local territory. You have to explain the history of the company, the products offered, and the reasons why it would be beneficial for the potential client to sign up to every customer in a cold market. You become accustomed to doing those tasks, but what affects you the most is the commission based pay scale. If your not generating sales on a daily basis then you're not making any money. The lack of base pay and the commitment of 50 hour plus work weeks makes being a permanent member of Family Heritage unappealing. If you like commission sales it's great fit for you, if you want more of a structured pay scale then it definitely is not.

  3. Agent

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at Family Heritage Life Insurance

    Recommends
    Approves of CEO
    Recommends
    Approves of CEO

    Pros

    -Be your own boss.
    -Great earning potential.
    -Fantastic support.
    -Great product.

    Cons

    -just another insurance sales reputation

  4. Is this helpful? The community relies on everyone sharing – Add Anonymous Review


  5. Helpful (1)

    Great place to start

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Contractor - Anonymous Contractor in Austin, TX
    Current Contractor - Anonymous Contractor in Austin, TX

    I have been working at Family Heritage Life Insurance as a contractor (More than 8 years)

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    Pros

    You will get as much support as you want

    Cons

    The contracts are not in favor of the sales professional. You will need to mass recruit to make it here.

    Advice to Management

    Give better contracts to your loyal agents, not to people that quit and come back.

  6. Work, Work, Play

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Contractor - Agent/Recruit in Jacksonville, FL
    Current Contractor - Agent/Recruit in Jacksonville, FL

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

    Recommends
    Positive Outlook
    Approves of CEO
    Recommends
    Positive Outlook
    Approves of CEO

    Pros

    Own your own business, Help people, leadership and management opportunities, unlimited income, incentive trips, awesome training, fun people to work with

    Cons

    Commission only compensation, Takes an owners mentality, A lot of pressure to sell to make a living.

    Advice to Management

    consider coming into the 21st century where customers are buying insurance online

  7. Helpful (1)

    Good for the right person

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

    I worked at Family Heritage Life Insurance full-time (Less than a year)

    Recommends
    Positive Outlook
    Approves of CEO
    Recommends
    Positive Outlook
    Approves of CEO

    Pros

    Great training program. Managers are very helpful, and want to see you succeed. Mine even gave me a gas card when I was having trouble closing my first sale so that I could continue to work. High commissions, and you receive residuals whether you're still with the company or not. Most importantly, the product you are selling truly is great, and I still believe everyone should have it.

    Cons

    Door to door sales are HARD. All cold calling to start with. Most people don't want to make big decisions like this on the spot without doing their own research first.

    Advice to Management

    Its the age of internet. I think if the sales agents could direct their leads to a website where they could sign up after they've had time to think about it you would get more sales. I know I don't shell out money without doing internet research.

  8. Helpful (1)

    A great salary if you are prepared to sacrifice your personal life

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

    I worked at Family Heritage Life Insurance full-time (More than a year)

    Doesn't Recommend
    Positive Outlook
    Approves of CEO
    Doesn't Recommend
    Positive Outlook
    Approves of CEO

    Pros

    Good commission with lots of incentive trips, residual income and bonuses. If you are willing to work long, unsociable hours and travel long distances, then the pay can be fantastic.

    Cons

    Limited leadership, however this varies from group to group. 100% commission means if you are snowed in, stuck in a thunder storm or sick - you do not get paid. You are expected to find and pay for your own medical benefits. You have to travel hundreds of miles a week and stay away from your family for one week a month on a trainmore which you have to fund entirely but do end up making more money than a normal week. You are in debt to the company 2-3 years before receiving residuals.

    Advice to Management

    Treat agents as individuals and more than just a number.

  9. Helpful (2)

    Great stepping stone if looking to get into sales

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

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

    Doesn't Recommend
    Negative Outlook
    Approves of CEO
    Doesn't Recommend
    Negative Outlook
    Approves of CEO

    Pros

    Ability work and manage your own schedule
    Great training provided at a 1 week Sales School
    Positive support from team
    $1000 cash bonus your first 10 weeks in the business
    You're taught a proven cycle of sales talk
    Great opportunity to learn the hardest form of sales-the cold one-call close
    Awesome incentive trips
    The product is something that REALLY does help families
    You can start building a team right out of sales school

    Cons

    100% commission
    Independent Contractor ( all gas, food, car maintenance is on your tab)
    Takes some people longer to ramp up and start selling
    Commission rate is lower than other insurance industries
    You're selling a good that is for people who have a disposable income but the company wants you to sell in middle/low income neighborhoods
    Cold call
    No leads provided; you must master the art of lead generation (this could also be a pro)

    Advice to Management

    Provide a base or increase the commission schedule

  10. Helpful (1)

    Completely Neutral

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

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

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    Pros

    You do have the opportunity to make a lot of money. It's strength in numbers the more see a day the more opportunities you will have to sale.

    Cons

    You have to invest a lot of time into this career. You will not sale 50% of the time like they say you would. 6 Demos a day will not cut it, you will have to aim for more.

    Advice to Management

    Tell new recruits the truth. Omitting information to them is still lying.

  11. Helpful (5)

    Great opportunity if you have money to spend

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee

    I have been working at Family Heritage Life Insurance full-time

    Recommends
    Neutral Outlook
    Approves of CEO
    Recommends
    Neutral Outlook
    Approves of CEO

    Pros

    The product is something that one can believe in. A great product, in fact. There's a good potential for a good income if you can make it through all the negative parts of the job.

    Cons

    It's a 1099 contract labor, no compensation for gas. Everything is on your shoulders, so if you don't have any money to start out with, it's a bit tough. You get $100 for the first 10 weeks as a bonus, but it's a drop in a bucket comparing to what u spend working.
    You only get 60% of 35% of an AP, so it's not a lot of money for what kind of work and time you invest into selling a policy. An average policy is $50.

    Advice to Management

    Eliminate door-to-door approach because nowadays people buy their policies online.

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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