Family Heritage Life Insurance

  www.familyheritagelife.com
  www.familyheritagelife.com
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Family Heritage Life Insurance Reviews

Updated June 29, 2014
Updated June 29, 2014
33 Reviews
3.7
33 Reviews
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Family Heritage Life Insurance President and CEO Howard Lewis
Howard Lewis
26 Ratings

8 Employee Reviews Back to all reviews

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  1.  

    Great place to start

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

    I have been working at Family Heritage Life Insurance as a contractor for more than 8 years

    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 ManagementAdvice

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

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  2.  

    Work, Work, Play

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

    I have been working at Family Heritage Life Insurance as a contractor for less than a year

    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 ManagementAdvice

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

    Recommends
    Positive Outlook
    Approves of CEO
  3. 1 person found this helpful  

    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 for less than a year

    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 ManagementAdvice

    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.

    Recommends
    Positive Outlook
    Approves of CEO
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  5. 1 person found this helpful  

    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 for more than a year

    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 ManagementAdvice

    Treat agents as individuals and more than just a number.

    Doesn't Recommend
    Positive Outlook
    Approves of CEO
  6. 2 people found this helpful  

    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 for more than a year

    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 ManagementAdvice

    Provide a base or increase the commission schedule

    Doesn't Recommend
    Negative Outlook
    Approves of CEO
  7. 1 person found this helpful  

    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 for less than a year

    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 ManagementAdvice

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

    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO
  8. 5 people found this helpful  

    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

    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 ManagementAdvice

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

    Recommends
    Neutral Outlook
    Approves of CEO
  9. 1 person found this helpful  

    Great People but not enough pay!

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Former Employee - Sales Manager  in  Denver, CO
    Former Employee - Sales Manager in Denver, CO

    I worked at Family Heritage Life Insurance full-time for more than 5 years

    Pros

    Great People, some of the best sales training and sales people in the usa, Freedom to work for yourself any day off work any hours

    Cons

    Sadly some of the managers you work under under pay you, kinda like a multi-level marketing company would. The commission can range from 30%-over 70% but almost everyone is started at 30 and only 1or 2 managers will pay over 50% after being there over 3-4 years.
    No benefits( so sad that you are an insurance company and you dont even give the people that sell for you free FHL insurance as long as your employed

    Advice to ManagementAdvice

    Start everyone at 40% and have commission go up to 80% first year and residuals start 4% - 15% if someone wants to sell full time and not recruit pay them 60-80% and then later pay less if they recruit.
    Give free FHL insurance to employees as long as you are selling

    Recommends
    Negative Outlook
    Approves of CEO

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