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Family First Life

Engaged Employer

Family First Life

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Family First Life FAQ

Have questions about working at Family First Life? Read answers to frequently asked questions to help you make a choice before applying to a job or accepting a job offer.

Whether it's about compensation and benefits, culture and diversity, or you're curious to know more about the work environment, find out from employees what it's like to work at Family First Life.

All answers shown come directly from Family First Life Reviews and are not edited or altered.

52 English questions out of 52

September 9, 2022

What is paid time off like at Family First Life?

Pros

You work on your own and no one to report.

Cons

Their cherry pick leads are old and sold to many times. Leads cost Commission only No benefits , health insurance, paid time off, 401k ect.

No benefits , health insurance, paid time off, 401k ect.

September 9, 2022

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September 9, 2022

Does Family First Life offer dental insurance?

Pros

You work on your own and no one to report.

Cons

Their cherry pick leads are old and sold to many times. Leads cost Commission only No benefits , health insurance, paid time off, 401k ect.

No benefits , health insurance, paid time off, 401k ect.

September 9, 2022

See answer

July 10, 2020

Does Family First Life have a pension plan?

Pros

I have been a part timer with FFL for two years. My day job has a formindable pension so I don't want to quit but I don't make what I want to make. FFL has been amazing. Part-time I make more than my day job. I can retire from my day job in 5 years with a full pension then I plan to go full time with FFL!!

Cons

It's work like any job but you work for yourself.

Advice to Management

I really like to plug into the training as I commute to work.

I can retire from my day job in 5 years with a full pension then I plan to go full time with FFL!!

July 10, 2020

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August 9, 2020

Does Family First Life offer life insurance?

Pros

High commission and freedom to make your own schedule because you are 1099ed and are your own boss- you can work 1 day a week or 7 days a week if you choose. Also you have contracts with multiple different insurance carriers so you can actually honestly find a client the best deal based on their health.

Cons

It was an extremely expensive career to get started and there's not enough hands on training it is mostly listening to audio recordings. Essentially you have your own business through them- so you have to pay for your leads and the leads are extremely expensive, more so than any other IMO life insurance company which they justify by the fact that they do pay higher commission than the others but to start out having never done this before, plan on having at least $5000 at your disposal to start with. Once you buy the leads that range from $30-$60 each you then have to call them to set up appointments which is easier said than done because no one answers the phone anymore and on top of that the leads that you're buying for $30 each are extremely misleading- the final expense leads are sent out to low income people over 50 and the way they are worded makes it sound like it's free. Then there are online leads you can buy from them that come from facebook ads or a company called Eversource- all of which are terrible because most of the time the contact information is wrong- people are going online in the hopes of finding life insurance quotes not understanding that they have to actually sit down in front of an agent to get an accurate quote so they put in non working phone numbers and you don't get reimbursed for bad leads with no contact info! I went broke and lost everything trying to do this business. My "mentor" who made over $250K/year did not help me to get started other than giving me leads that were over a year old to call. One of the biggest problems I had is the fact that it was so misleading- I didn't understand why we couldn't just be transparent that we were selling life insurance. Because if you are actually able to make appointments through the phone then you're driving all over the state to meet with people and I cannot tell you how many times it happened that I got there and the person had no idea the form they filled out was for life insurance, or they thought that it was for free, already had it or didn't want it. Plus, the mortgage leads that are about $60 each because they are the highest paid commission get sold to multiple different companies/agents (even when they say they're exclusive they most certainly are not because the lead companies are in the business of selling leads.) The cheapest facebook ads are $300 for 20, and that's the minimum- the best I ever did was contact 3 out of 20 because again, it's the internet and people put in false contact information because they just want a quote they don't want to talk to anyone. Some people do very well in this business but the majority fail. If you don't mind sitting on the phone and dialing for hours and hours harassing and hounding people to get appointments which they train you to not tell people what it is, (they train you to have that call be under a minute, short and sweet and just book the appointment), driving all over the place all day, talking about death and being an extremely aggressive sales person (borderline unethical from what I witnessed), all while spending thousands of dollars on leads, then you might do well in this business. Everyone else goes broke.

Advice to Management

Find better lead companies- especially the online ones. My very last attempt before I stopped I was so frustrated I found my own online company called Smartfinancial who confirms ALL of the lead's contact information before selling it to you and then if for some reason anything turns out to be inaccurate they refund you. I wish I had found that at the beginning I would've wasted a lot less money. Also, I don't understand why, on the Everquote or facebook leads why they don't explicitly state that in order to get a quote you first must speak to an agent! Because of the way it's set up people think they can just get a quote. If it's written what actually needs to happen then they'll expect that and answer the phone. But I understand that the lead company obviously wouldn't want to do that because they'd make a lot less money selling bogus leads. Why you are ok with your agents being ripped off is beyond me. Also you make enough money that you can afford to give brand new agents free leads for the first few weeks- I realize that you don't want people training on brand new mortgage protection leads because it would be a waste because the agents are brand new but you need to give out free facebook leads at least and not year old final expense mail in leads. The facebook leads cost nothing, I was actually thinking about running my own ads on facebook because I was so frustrated and they're cheap, but I was told repeatedly to "follow the system". Well, that "system" put me in financial ruin. And the way I ended working for you is because I was so upset because I was so broke after 4 months of this and the $500 everquote leads I bought were ALL GARBAGE except for only a few and I was in tears and my "mentor" just didn't call me back because he didn't want to deal with the fact that I lost everything. He actually said to me at one point that I was just "unlucky" with my internet leads- he made it seem like it was just me who received internet leads with bad contact info while bragging about the huge amounts of money he was making from his. And as far as the mail in leads go, they need to be more transparent. When you're targeting low-income neighborhoods with people already on housing, mass health, welfare, etc. and you send out flyers that say "you are now eligible to receive state-regulated insurance" it sounds like it's free. Be transparent, make it known that you're selling life insurance because by not doing that it makes the agent and the company look like they're hiding something and trying to get over on people which, essentially you are. Also there needs to be more training. I was repeatedly told that I didn't need to study the products from the carriers, that I needed to practice dialing. That was terrible advice, I needed to do both. Nothing more embarrassing than sitting down with a client and not being able to answer questions on some of the products because your mentor told you it wasn't important.... and then calling your mentor in front of the client and he doesn't know the answer either. I was also told by my mentor that I didn't need contracts with every carrier I only needed 4- so I was also lying to people when I would say I had contracts with 20-something carriers.

so you have to pay for your leads and the leads are extremely expensive, more so than any other IMO life insurance company which they justify by the fact that they do pay higher commission than the others but to start out having never done this before, plan on having at least $5000 at your disposal to start with.

August 9, 2020

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June 16, 2021

Does Family First Life offer malpractice insurance?

Pros

I left the security and salary of big corporate insurance because I felt trapped, I was stressed from tons of overtime and the pandemic made it so much worse. Family First Life presented an opportunity for me to quickly gain back my time and reach more (far more) rewarding financial goals plus help many, many families in the process. High income, free, abundant training, quality leadership, and a path toward freedom and independence. There's life beyond the pandemic. Best professional decision ever.

Cons

None whatsoever. This company is smart, nimble and focused on my success.

Advice to Management

Keep innovating in this space and stay focused on agent success.

I left the security and salary of big corporate insurance because I felt trapped, I was stressed from tons of overtime and the pandemic made it so much worse.

June 16, 2021

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52 English questions out of 52

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Family First Life

1126 days ago

Family First Life Summer Sales Conferences are being held out west this week! Join us in Salt Lake City, UT and Riverside, CA this week. Great live training you will get nowhere else! Everyone welcome.
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Family First Life

1142 days ago

Family First Life Summer Sales Conferences are all over the map this week. Join us in Boca Raton, Baltimore, and Dallas this week. Great live training you will get nowhere else! Everyone welcome.
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