Family Heritage Life Insurance

  www.familyheritagelife.com
  www.familyheritagelife.com

Family Heritage Life Insurance Reviews

Updated November 1, 2014
Updated November 1, 2014
34 Reviews
3.5
34 Reviews
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Family Heritage Life Insurance President and CEO Howard Lewis
Howard Lewis
26 Ratings

Employee Reviews

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  1. 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 (less than an 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
  2. 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 (more than an 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
  3.  

    It has been a great experience in getting to meet new people. Great Company to work for

    • Comp & Benefits
    • Work/Life Balance
    • Senior Management
    • Culture & Values
    • Career Opportunities
    Current Employee - Independent Agent in Villisca, IA
    Current Employee - Independent Agent in Villisca, IA

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

    Pros

    Getting to meet new people and helping them achieve their goals

    Cons

    Is getting told no when you know the people you talk to could really benefit from these policies

    Advice to ManagementAdvice

    Give you agents more time to get out their and really get comfortable in what their doing instead of putting a time limit on them. We have things that come up in personal lives that we can not control. You seem quick to want to terminate agents if they are not producing with in so many months. A lot of these Agents including myself have never done this before. So maybe a little better training in the field of the Trained agents watching the news ones instead of the vise versa. Otherwise how are they suppose to get comfortable in what they are doing if they do not know where they are making mistakes. Just my opinion on that. More training in the field with new agents while the trained agents follow them instead of the new agent following the trained agent. I think that is why a lot of new agents are not sticking with the company, because they don't see the money that could made. It is hard work and not having a pay check unless you sell is harder to pay your bills if you have no income especially in today's economy.

    Recommends
    Positive Outlook
    Approves of CEO
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  5.  

    Challenging and rewarding career

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

    I have been working at Family Heritage Life Insurance full-time (more than 3 years)

    Pros

    Unlimited income opportunity, earn renewal income and vesting
    Best supplemental policies out there with return of premium
    Work with supportive people that want to help you grow professionally and personally
    Freedom to set your own schedule once you've put in the hard work up front

    Cons

    Commission based so time management is key

    Recommends
    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 (more than an 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 (less than an 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  

    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
  9. 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
  10. 1 person found this helpful  

    best opportunity in america hands down!!!

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

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

    Pros

    great compensation. and and excellent culture and company.

    Cons

    long working hours. must have excellent self discipline.

    Recommends
    Positive Outlook
    Approves of CEO
  11.  

    A lifestyle career that can provide unique opportunities in life.

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

    I have been working at Family Heritage Life Insurance full-time (more than 3 years)

    Pros

    Like any successful sales company, I've found FHL to offer a proven sales system, with ample support and training, and a culture that is fun to be a part of. In any sales position, their are the innate challenges that always exist (rejection, attitude, etc.). During my 4+ years, everyday hasn't been perfect, but I've found FHL to offer the necessary support when I need it, to empower me as the sales representative and to encourage and recognize my success.

    I find the incentives that are offered to be generous, paid in addition to our regular commissions. Also, the semi-annual sales meetings are a fun part of the culture and has been a very rewarding way to see parts of the country I might not have otherwise visited.

    Through my interaction with the home office and underwriting, my opinion is that they follow-through on doing what they are supposed to, sometimes even expediting claims to offer better customer service. I sincerely appreciate working with a company that has an A+ rating with the Better Business Bureau (BBB).

     No job is perfect, no career is perfect. For me, FHL has been a great vehicle to provide income for my family, while allowing me to pursue the other things in life that are personal to me. Some days can be more challenging than others. A career in sales, or commission sales, can be challenging, but the right activities over a long period of time always seem to prevail.

    Cons

    The job is what it is. Not always your typical 9-5 job. A career in sales (commission, or non-commission) is certainly not for everyone, nor would a job as a bank teller leave every individual feeling fulfilled. If you're interviewing for a position, do your own due diligence by asking any and all questions. Ask to speak to other agents. Ask to shadow another agent. I've found self-motivated and self-disciplined individuals to be experience more success, quickly.

    It's disappointing that negative reviews (for any insurance company for that matter) appear to be written by individuals that find it easier to place blame on external factors (the company) rather than internal factors (ourselves). Certainly, I cannot speak for each person's experience, everyone is different, motivated in different ways and reacts differently to challenges, but in my 4+ years with FHL, but I believe that the amount of success each individual experiences is directly related to the choices they make.

    Recommends
    Positive Outlook
    Approves of CEO

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

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