Family First Life reviews

Poor quality leads, they make it out to be the best business opportunity in the world. It’s really not. It’s just another sales gig. It’s a very high risk business with little potential for growth considering how saturated the market is. They make it seem like you will be able to start a big agency and grow it. The problem is you might be in a big city with other companies that you compete with. Then you hire 5 agents in that city then they compete with each other then they each hire 5 more then they compete with everyone else. At the end of the day there are not enough leads and everyone will not win. They like to sell this idea that everyone will be able to win but it’s not true. I bought leads from them and got leads resold to me that I had already bought before. This goes to show they most likely sell the same leads to other agents. I went to their convention. It’s funny. They have grown that’s for sure. But they think they are gonna fill the stadium one day and that will never happen. 1. It’s sales and it’s not a popular profession 2. This type of business has its limits and everyone can’t win. There isn’t enough people buying life insurance. Wasn’t impressed. I started out as an agent with them and did okay. Sold some policies but it seemed to be never enough to make a lot of profit from the all the money I was investing on their expensive low quality resold leads. It wasn’t my sales skill trust me I did foot to door sales for 2 years I know how to sell and work hard. Ended up getting a lot of charge backs because you got to understand the market they target. They are old disabled people that barely can afford their rent let alone life insurance. When I did door to door we would at least go out and sell people that lived in nice houses and had the money to afford extra payments. I’m not saying life insurance isn’t important. It definitely is but if you can’t pay for it you can’t pay and if they don’t pay which many won’t, you get charged back and go into debt. Wouldn’t recommend.

Oh man. I should've listened to my gut on this one. It already sounded too good to be true from the start. I was very hesitant and resisted getting started, and now wish I hadn't. Had I known what FFL entailed from start, I'm talking FULL transparency, I would not have gone through the trouble of getting licensed, and then working hard to figure out how to sell to people. I sold many policies and most of them fell off. They talk about the ratio of those that will stick, but it's seriously ridiculous how much your production doesn't even count. Before you know it, you'll be having to pay for clients who stopped paying their policies. (read until the end for more on that) First off, the top producers, your uplines will always preach this and that. It's not actually that easy to achieve what they're telling you is possible. My upline was considered a "top producer" and always being interviewed for her accomplishments, yet I never actually saw her numbers posted on our agency's instagram nor weekly numbers. I later found out the way she was conducting business was completely not right-- double writing policies for clients. Not to mention, she was completely fake and turned her back on me when I disassociated with FFL. Now this is where it gets messy -- when I decided to leave the industry & stop producing. Now they NEVER warned us or mentioned the repercussions of this. Agent debt & chargebacks. Ask them about it. I'd be curious to hear their responses. Since I stopped producing, I've been charged over $2,000 in agent debt (this came from clients who let their policies lapse). My upline didn't warn me of this, and in fact, only texted me demanding I ZELLE her because I owed her. Super fishy if you ask me. This business is ridiculous. If you're on the fence, don't do it. If you're doing it for the money, don't do it. Do what really sets your soul on fire. Chase that, and you will be successful.