Family Heritage Life Insurance Reviews | Glassdoor

Family Heritage Life Insurance Reviews

Updated March 11, 2017
12 reviews

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12 Employee Reviews

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Pros
  • Great products and great training at (in 10 reviews)

  • Ability to grow a business that you have an actual equity stake in, get paid very well and lock in a permanent residual income (in 8 reviews)

Cons
  • Door to door/B2b sales is a tough gig (in 12 reviews)

  • It only benefits a few leaving many of the new hires penniless trying to live on 100% commission (in 8 reviews)

More Pros and Cons

  1. "Really disappointing! Sales Academy was 4 days of wasted time/money. Time in market is just as bad!"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Contractor - Sales Agent in Raleigh, NC
    Former Contractor - Sales Agent in Raleigh, NC
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

    I worked at Family Heritage Life Insurance as a contractor (Less than a year)

    Pros

    You can help people if they want it, but no one wants it. That's really all I have to say.

    Cons

    People look at you and treat you like a sleezeball insurance sales person!

    You're an independent contractor but you're treated like an employee. You get no salary, no benefits, no expenses paid, but they want to tell you how to spend your days, how you must work early morning and late nights seeing people at their homes.

    Advice to Management

    Sales Academy is neither necessary or welcome. You can do that in market. You are not managers, you do not pay salaries, benefits or expenses so stop telling people what they should do.


  2. "Agent"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Anonymous Employee
    Current Employee - Anonymous Employee
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

    Pros

    I really can't find a pro to pursuing employment with this company

    Cons

    This company will work you like a slave and turn their back on you as soon as they think you don't benefit them. They don't care about you. This is a scam

    Advice to Management

    Management? Your joking right?


  3. "Strange company"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Independent Sales Agent in Waukesha, WI
    Former Employee - Independent Sales Agent in Waukesha, WI
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    Pros

    good commission on sales. the product isn't bad. you can take days off to look for a new job.

    Cons

    training sucks, door to door really really sucks, the whole company is like a cult and they only way i could see this position going well for anyone is if they drink the Kool Aid.
    The product isn't bad but nobody wants to talk about it. It's the age of the internet and everyone wants to look into it more, as they should. I would strongly advise you to look elsewhere for work, there are better jobs in insurance.

    Advice to Management

    Improve the training. Develop a system that doesn't involve sending someone to a small town with absolutely no info. Work more like a business and not a cult.


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  5. Helpful (1)

    "Pyramid Scheme!!!!"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Anonymous Employee
    Former Employee - Anonymous Employee
    Doesn't Recommend
    Negative Outlook

    Pros

    I really can't say one positive thing about this company, but I had to write a 20 word minimum sentence.

    Cons

    Forget all these positive comments. These employees have been drinking the juice. I wish I never worked there, I spent more money than I could ever make up. You are sent to truly run down areas in the country and convince unfortunate people they need this product when they really don't. It's truly taking advantage of lower class citizens. You have to check in with your supervisor everyday- EVERDAY- to talk about what you are doing and how your day went. They tell you you can make your own hours and be your own boss, so why do I have to spend a long day after going door-to-door spending it on the phone when I want to go home to my family and get some rest. Also once a month there is a conference in some other city that keeps you away from your family for at least a week. It's very cult-like, and you're a "failure" for not buying into this b.s. They also make a lot of references to God, and I can swear to you that even God would not approve this business. Beware.


  6. "Call Center"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Customer Service Representative in Cleveland, OH
    Former Employee - Customer Service Representative in Cleveland, OH
    Doesn't Recommend
    Neutral Outlook
    Disapproves of CEO

    I worked at Family Heritage Life Insurance (More than a year)

    Pros

    Hours were flexible for a mom , lunch room was clean and nice. you had your own work space , cubicle. clean environment

    Cons

    job description did no fit the job . your were titled as a customer service rep , but what you actually had to do was sign people up to attend a webinar to become a licensed insurance agent. Most people are not interested in that , I had many sign up but did not attend the webinar and I was held accountable for that . which is unfair. so i got nicely escorted out and fired

    Advice to Management

    stop micromanaging and give more on the job training like you said you would


  7. Helpful (19)

    "RUN! FBI, IRS, I CHOOSE YOU!"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Financial Services Representative
    Former Employee - Financial Services Representative
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    Pros

    Ego stimulation, meet interesting people

    Cons

    Lots of catch 22, inflated egos. They say "Create your own hours, be your own boss" yet you take orders from a team lead, assistant sales director, and a VP. Arguably the whole thing is an illegal scam. Expect to work 14+ hours a week, horrible product market strategy. Also, they pay for your flight and hotel in Dallas for training, then you pay THEM BACK through your commissions. Then they say "no time limit on paying the balance" but they pressure you to crank a lot in. Also, training was 10-12% actual sales training and administration(such as writing up policies) and the rest was, I am not kidding: motivational speeches.

    Advice to Management

    Take your product, egos, scam mentality, and shove it. PS: Criminal Justice Majors are the worst kind of recruits for any door to door sales job because we question EVERYTHING.


  8. Helpful (3)

    "Agent"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Agent
    Former Employee - Agent
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

    Pros

    Flexible schedule, decent training, and company incentives

    Cons

    Commission only, door to door sales

    Advice to Management

    Offer a base salary


  9. Helpful (7)

    "Unprofessional, bait and switch"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Contractor - Independent Sales Agent in Colorado Springs, CO
    Current Contractor - Independent Sales Agent in Colorado Springs, CO
    Doesn't Recommend
    Neutral Outlook
    No opinion of CEO

    I have been working at Family Heritage Life Insurance as a contractor (Less than a 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 Management

    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!


  10. Helpful (10)

    "Completely deceptive hiring practices and poor management support"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Current Employee - Sales Agent in Houston, TX
    Current Employee - Sales Agent in Houston, TX
    Doesn't Recommend
    Negative Outlook
    No opinion of CEO

    I have been working at Family Heritage Life Insurance full-time (More than a year)

    Pros

    Flexible work schedule or not.

    Cons

    Family Heritage tries to entice potential candidates with the story that they can have a great career by selling 1 policy a day. They go on to say that this goal is not a stretch. The fact is some of their best agents have a tough time meeting this goal. The vast majority of agents don't ever come close. As a result, there is extremely high turnover in agents.

    But high turnover is just part of the game. They make money off of you whether or not you stay because it is a pyramid game. And when you leave, they take the commissions that you've earned. It really is a terrible scam.

    Plus, they market their policies to the poor and ignorant. They don't try selling their policies to middle to upper income folks. Anyone with a little smarts won't buy their policies. I've seen some of their top professionals complete applications while the individual was saying that they couldn't afford it or needed more time to consider the policy---terrible strong arm tactics.

    Advice to Management

    First be honest with potential recruits. Second, get real jobs and stop the scam!!


  11. Helpful (12)

    "Family Heritage Life Insurance Company of America is a complete scam, both for the end-consumer and the employee!!!"

    Star Star Star Star Star
    • Work/Life Balance
    • Culture & Values
    • Career Opportunities
    • Comp & Benefits
    • Senior Management
    Former Employee - Sales Agent
    Former Employee - Sales Agent
    Doesn't Recommend
    Negative Outlook
    Disapproves of CEO

    I worked at Family Heritage Life Insurance full-time (Less than a year)

    Pros

    Potential buyer beware. Potential employee (“independent contractor”) beware. This company solicits overpriced dread-disease policies (cancer, accident, heart-disease, and life insurance) door to door in lower-class areas, often to people who cannot afford traditional major medical health insurance. The only people who are really making money are the CEO, Howard Lewis, and his slimy entourage of upper management. You are merely a slave, given no base salary, no benefits whatsoever, who is encouraged to work from 10am to 9pm, Monday through Saturday to fatten the wallets of your managers while they are out brainwashing more potential sales reps. Why? Because the turnover for this legal pyramid scheme is through the roof – they can’t hire people fast enough to replace all of the turnover (which is probably in the 60-75% range. Seriously).

    Why this is an awful insurance policy to own:
    1) It is overpriced compared to Aflac and other policies available through your employer.
    2) They target people in lower-class neighborhoods, many of which don’t own a major medical policy. They are conned into thinking that “at least they have some coverage.” In reality, they do not – they are only covered if their family deals with cancer, heart disease, or accidents. And poorly covered, at that – the reimbursements hardly cover the money you pay in premium.
    3) The customer service is awful and they, like any other insurance company, will do their best to avoid paying claims whenever possible.
    4) If it was so great, wouldn’t you have called them? They just showed up at your doorstep to sell this thing to you. Doesn’t that sound a bit strange?

    Cons

    Why this is an awful insurance company to work for:
    1) Door to door. Residential.
    2) They place you in lower-class neighborhoods, encouraging you to work from 10am to 9pm at night. Most of these areas are unsafe after dark.
    3) No base salary. No benefits. Nothing. You pay your own gas, your own hotel costs, your own airfare to company functions, even the parties that are held at company functions – those go right on your tab! What a joke!
    4) 100% Commission-based. And the commission is entirely arbitrary – they assign your contract percentage based on how badly they want you to work for them. The directors/managers are on 80% or higher contracts. They give their slave labor contracts ranging from 30-70% of the premium amount. That means, in most cases, your manager makes MORE money than you do on YOUR sales!
    5) They don’t care if you quit – if you quit, your manager still gets paid on your policy for the time that policy stays on the books.
    6) Policy retention – these policies, much like the salesforce, have an incredibly high turnover. Policies are cancelled at a ridiculous clip – somewhere in the 25-30% range. If not higher.
    In summation, you are out of your mind if you are ever convinced that this is a good company to work for or buy a policy from. The polices are terrible, the salesforce is a bunch of kool-aid drinking half-wits who are merely slaves to their manager, who kicks back and makes the majority of the money while you sweat your tail off, selling this crap door to door. Buyer beware. Employee beware. You have been warned.

    Advice to Management

    Put on blindfolds, run around in traffic, and leave the general public alone.



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