Family Heritage Life Insurance
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Completely Deceptive to potential recruits and customers

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

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


Setting your own work schedule.


In theory, the cold calling philosophy should ultimately lead to enough referrals to eventually lead to "warm" referrals. The fact is, very few people succeed in this way of conducting a business. The ones that do are able to do so by feeding off the people that they recruit, whether or not the new recruits are successful. They are able to do this by turning their recruits quickly and keeping a hand full of ignorant people underneath them. If they were completely honest with the people, they wouldn't be able to find enough ignorant people to recruit.

The company's pitch to potential recruits is to tell people that they can be extremely successful by selling 5 policies per week., AND by doing so they wouldn't be setting a high bar to achieve. The fact is that this standard is extremely hard to achieve. The latter part of that pitch is a lie. If the company computed the statistic of how many people achieve this standard out of the total people that are recruited, it would be a staggering low % that would dissuade people from wasting their time.

The company also pitches a benefit of winning trips. If you like spending your hard earned and unpaid time off with a bunch of strangers, then this is for you. Otherwise, the company should give "employees" the option of taking the cash value of those trips so that they can decide how and where to spend their time.

There are a lot of other insurance companies to select for your career that don't involve cold calling. Think about it, who wants a stranger coming to their door? In order to get your foot in the door, the company's training focuses on being deceptive. "I'm just in the neighborhood talking to people about cancer." And, then once in, more deception. I've personally witnessed experienced sales representatives complete the application while someone (typically older or of lower economic status) is saying they can't afford the policy. And that leads to the other con for this career.

To be successful, sales reps. are told to focus on people the lower-middle income to poor economic status. The reason for this is that people with intelligence typically say NO.

Completely shameful way of conducting business.

Add to all of the above is that the company treats you as an independent contractor; however, they "REQUIRE" attending weekly sales meetings. If truly an indpendent contractor, they can't force you to work their schedule. Yet they are able to do this because they have the option of canceling your contract with them (which in reality is no big loss). Further, the company doesn't allow you to sell other non-competing policies from other insurance companies.

It's completely "wacked.

Advice to ManagementAdvice

Management needs to be honest with potential recruits.

Doesn't Recommend
Negative Outlook
Disapproves of CEO

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