Family First Life Reviews

Pros

Motivated agents, and the conventions they put on every year help agents grow in their business.

Cons

Not really any cons, you just have to be motivated to work.

Pros

-Your own schedule -No micromanagement -Commission based so possible to make lots of money -Easy conversations

Cons

-Purchasing your own leads which is both a good and bad thing. Being fully self employed you can write purchases off for the leads but if you are not in a good financial position to start off with it can be challenging as there is no base pay. You have to really rely on the policies not canceling or having complications to get paid. -Chargebacks will happen, name of the game but a little unfair in certain situations that are out of your control

Pros

Flexible & Make your own schedule Tools to help you grow Depending on the agency you are with there is good mentorship Training opportunities Partner with multiple different insurance companies Company is growing and making ways to improve

Cons

Not really a con but have to be a go-getter Purchase leads but it is up to you on your lead strategy Could be a little lonely in the business at times

Pros

Ok no BS. I've been here 3 years and struggled, been profitable, frustrated, proud, and every emotion in between. I'm an agent and nothing special. You are a 1099 self-employed insurance agent so you have to treat this like you are starting a business. Do you think that's easy? Do you think you have to work? Anyways, here are a few of my thoughts. - Ability to earn High Compensation through personal business. You don't have to recruit anyone; you can earn over 100% commission just by selling insurance to people that request it. - 1099 through the insurance companies. You're not an employee of FFL, the Insurance Marketing Organization (IMO). FFL doesn't pay you for policies submitted. The only time you're getting a check from them is if you qualify for monthly/annual producer or agency bonuses. No one is going to force you to work or care if you don't (which only affects you) - Vested renewals from day 1. People don't understand how big of a deal this is. Most IMOs make you wait 5 or 10 years to have access to your backend money. In the meantime, it's going to someone else (your manager or IMO). FFL gives it to you right away. - Ability to recruit agents and build an agency. If you want to sell insurance forever, do it. If you want to teach others how to and make additional income if your agency produces business, start recruiting. At least you have the option. - No contracts. Don't like it? They'll release you (as long as you are in good standing with the carriers... ie no debts) - Access to multiple lead vendors. Leads are the lifeblood of the business. Think pizza store: You need ingredients to make pizzas. Leads are your ingredients to make sales. FFL has vetted and promotes like 12+ lead vendors at this time and are always looking for new ones. We buy so many leads that the vendors usually give us discounted prices. Most people think that means FFL owns the lead vendors which is always funny to hear. - FREE things: no fees to join, trainings, conventions, and other in-person/online events. If you had to pay to start working somewhere, I feel bad for you, son. FFL has never charged or will charge someone to attend a training. I know of agents from other companies that have been to events and watch trainings. It's a blue ocean industry. - Offices throughout the country. If you like being a lone ranger, that's fine. If not, get to an office and be around agents. - Huge support for agents that need it. All you have to do is ask. I've asked multiple agents from teams that are not associated with mine for help and have never been ghosted. - Flexible hours. The double-edged sword. Work when you want but if you don't work you aren't making sales and not getting paid.

Cons

People that give negative reviews of "this company sucks because I have to spend money on leads", "managers make an override off you", or "I didn't make any money" don't understand how the industry works and are better off out of it. Go be a W2 employee if you want. I'm going to focus on those 3 for this review because I have leads to call ;) Leads: Like I said above, you need leads to get prospective clients at ANY IMO, whether that is through referrals, cold calling, advertising, etc. While this IMO is a lead-based company, no one forces you to buy leads. I generate my own. Many do. Others buy leads from the 3rd party vendors that are vetted and promoted by FFL. Managers make an override off you: Yea, duh. Your commission comes directly through the carriers and they pay managers for their time spent training and promoting their products. Why do you think anyone would work for free? Car dealerships, real estate brokerages, and many more operate the same way... Bonus fun fact: the override isn't taking money from your commissions because the insurance carriers pay over 100% of the first year commission out (they're making money on the other 10,20,30 years+ the client has the policy). I didn't make any money: These people usually buy a batch of leads, call through them once, get yelled at/hung up on/no showed/etc and give up. You have to actually WORK the leads (dial multiple times a day, text, email, doorknock, etc) and most think that a lead = a sale. Additionally, most agents barely train. I've listened to a lot of sales calls where it's clear the agent spent 0 time learning a script, word flow, practicing objections. So ya, they don't make money. Go to any other agency in the country and try putting in that little effort; you're going to stay broke. Most agents don't take their commissions and reinvest into new leads because they think they can squeeze sales out of leads they've called for 5 weeks straight.

Pros

Non, they lie to you

Cons

All cons, when you go into business with a co Sony that lies to you. There isn’t a captive contract but when you walk away from the lies they hold you captive and won’t release you. No communication or true guidance. You have to come out of pocket thousands of dollars for them to help you get good leads and started making money for yourself. Everything was a lie and no response after they get caught in their lies. I wouldn’t recommend this company to anyone.

Pros

Work your own hours with uncapped commission

Cons

You have to pay for leads

Pros

High comp, training, leads, everything you need to become a successful agent

Cons

nothing I can think of

Pros

CEO is always looking for ways to benefit the agent. High Comp contracts

Cons

Better communications with upline and/or manager.

Pros

High commission rates, work when you want, remote or in the field, number of carriers contracted with, easy to make a lot of money if you reinvest properly.

Cons

It takes money to make money for sure

Pros

Great Leadership as long as you are on the right team!!! Pay is fast, also best compensation percentage in the Insurance Industry! This is a FAST PACED CAREER, ideal to single young people that are money driven and self motivated!

Cons

The re-sale or the re-cycling of ( old ) Leads makes your co-workers sell to your clients. It’s a drive through sale, you have to compete against charge backs… You get cut up on a hamster wheel of buying leads without any true knowledge of prospecting for new clients and how to keep those clients in the books. You are encouraged to build a team but nobody talks about the tragic risk of debt that can rolled up to you if your new agent decides to leave! Pick and choose your agents well! The culture it’s geared towards hard sale and volume, not so much client relationship.