insurance agent

insurance broker

sales representative

administrative assistant

independent agent

Family First Life

No sugar coating here. Advise of the bat:

1. Treat this like your business. You have to invest money in order to make money. Nothing is handed to you.
2. Follow the system. Don’t reinvent the wheel. It’s very easy to overthink things and loose track of what is important. This is a numbers game and the more activity/appointments sets/appointment sits you have the more sales you will make. Activity = Results.
3. Step 3 is repeat step 1 and 2. 

I can’t repeat this enough, this is your business, if you want to be in business for yourself this is the best opportunity. It’s a very simple business, but it takes a lot of mental strength to be able to go through the ups and downs. I will say this though, many IMO’s are starting to notice what FFL is doing and are starting to offer higher comp or offering street level Commissions which is 100% and no contracts to sign, which to me is the biggest equalizer. Once every IMO realize this and start to change their structure, FFL will be yet another IMO to choose from because they don’t offer anything more than that. This is surprising because they are partnered with Integrity. Many Integrity partners have their Marketing game on point.

These are the cons I have seen: Majority of Trainings are all videos, not necessarily a con but for some people it is. Their agencies are all over the place in the country, what that means is your upline can literally be someone on the other side of the country. Not really a bad thing, but unless you know someone locally if you do want to get with FFL just know that this might be the norm. They don’t have any educational marketing materials like other IMO’s to use to build your social media presences besides the recruiting material. FFL marketing is solely for recruiting. Not that anything is wrong with recruiting, but when you have agents flooding social media with recruiting instead of educating potential clients, it becomes counterproductive because what will make you money is selling insurance policies not recruiting. Recruiting and building an agency should be a result of you being successful in selling and keeping those policies in effect. Many agents are focusing too much on recruiting after having a couple of good months in the field. This business is real and if you do not have a good savings and capital while recruiting agents or just have a consistency of producing six figures for at least a year, you will be on the hook for your agents chargebacks if they don’t pay or leave the business and that can be pricey. Chargebacks are real, is part of the business and FFL doesn’t really talk about it. They mention it but again this is a big deal in the industry and educating the agent is essential before they start recruiting. You got a lot of agents making a lot of money but they fail to say how much of that money is charged-backed to them. That would put the numbers in perspective. They do not generate their own leads. I say this is a con because if there is anything about this business That I have learned is that you want to have control over the leads that come in. When you rely on the mercy of the lead vendor and when you have so many to choose from, you can very easily loose money. I have seen a lot of FFL agents work the same leads due the different vendor marketing FB ads in the same area which obviously can cause duplication. There are only a few IMO’s that I am aware of that have their own in-house direct mail publishing house. 

With all that being said, FFL is a great business opportunity for the right person. My advice to anyone joining FFL is focus on selling and becoming a master at that kraft. Once a year passes and you have had success (ie 20k a month for 12 months), build an agency if that’s what you want to do. Focus your attention on one thing. Selling and recruiting at the same time will lead to one of those things being neglected. Selling should come first, once that’s under control and you’ve built a good nest egg for your business, recruiting will come natural and it will be easier. Anyone can do this, 80% of this job is mental. So as long as you have the right mindset you will succeed.

I had to take out the swear words, so please add in your own: The only aspect I could give 4 stars to was the Culture. They have a ton of inspirational social media posts and a "if you work hard, you'll succeed" motto, but if you actually need help, no one is there with qualified advice. They spew the same "buy more leads, put in more hours" but don't even sell you good leads to begin with. I invested $4,000 into buying leads.  I would say 60% don't answer their phone 20% are mad that ANOTHER TELEMARKETER has called them (and these people were very mean to me as soon as I said "this is about the request you sent in for information on life insurance") 10% politely told me they were already helped and no longer interested, 9% just wanted quotes and then ghosted me when I follow up, and 1% were actually willing to talk to me and make a purchase.

I do not recommend this model of business. It reminds me of the phrase "if you throw enough fecal matter at the walls, some of it is bound to stick"

AND THEY SUGGEST YOU LIE TO THE CLIENTS. They told me not to tell them on the phone "this is about life insurance" I was told to tell them "This is ____ calling from the Benefits Center in "Their County". I have your DOB as ___ and address as ____ is that correct?" ... "Great well we are going to deliver this packet to you when will you be home tomorrow?" and if they ask what it is about I tell them "Making sure your funeral and final expenses are taken care of so that burden doesn't fall on your family"  .... Umm, talk about manipulation? Let's guilt these elderly people into making a purchase. Very nice.

I have never in my life worked harder at something, endless hours studying, dialing, preparing, practicing, only to come up, not only empty handed, but MORE POOR than I was to begin with.



Pros:

Flexible schedule, High Commissions, Gets easier after 9months to 1 year. Depending on the specific agency you join within FFL you can meet some amazing people who will really help you. Who ever brings you into FFL will be the most important person to your success other than yourself. 

Cons:
-FFL really puts the CULT in culture. 
-You must pay for leads (which are often recycled and low quality).
-Little to no real hands on training—mostly self-taught through videos. You will have to make the most of it yourself. 
-High-pressure environment focused more on recruiting than client service.
- Chargebacks (client cancelations or lapse policies) happen frequently and will put you in commission debt with the insurance companies. You can expect 20% or your business to fall off in the first 9 months. 

Review:
Family First Life sells the dream of financial freedom, but what they don't emphasize is the extreme financial risk you're taking on. You are completely commission-based, and the only way to succeed is to constantly invest in expensive leads and sell policies to sick broke people. 

There’s a heavy emphasis on hustle culture and motivational talk, but very little real support when you're struggling. The answer to any problem is always work harder and buy more leads. It’s more of a churn-and-burn setup than a career path unless you’re an experienced recruiter who can sell the dream other people to build your downline and collect overrides. The selling system does work and you can make a lot of money but it will be an incredible uphill battle. Unless you have 5-10k you can set aside just for start up costs and thick skin, this probably isn’t the opportunity you're hoping for. Over 93% of people who join the life insurance industry (not just FFL) fail in their first year. 

Basically, you buy your own leads, dial those leads, and set those appointments. Then you go over and sell them a life insurance policy. Seems easy enough.

A lot of these people have been called 800 times and they have a script that says that you’re from the “benefits center in xyz county” and it’s pretty misleading.

The pay can be great, depending on what policy you sell. They boast 100% comp with 75% up front and 25% paid out later. That is true, but it’s 100% of whatever the carrier pays out I.e the carrier pays 80% of the annual premium, and you get 100% of that 80% up front. 

So if a annual premium is 1000, the carrier pays 800. You get 100% of the 800, but 600 is paid up front, and 200 paid later if they keep the policy. They would mislead people saying I made 3500 in commission in a day, but because certain carriers pay less, I got maybe 1000 up front.

They also don’t tell you too much about chargebacks. If a customer cancels their policy, you have to pay that back. I asked what the timeframe was but they dodged the question and said if I just keep selling it’ll all even out. The customer has to keep the policy for a year to avoid a chargeback. That means that if you try this for a few months and decide it’s not for you and move on, a customer can cancel their policy, and you’ll still get an email saying that you have to pay back the commission you were paid out.

If you are all about selling, you can make money. If you’re not, I’d reconsider 

When they tell you your comp level, it is not that easy.  Each product they sell has a different comp, so when they say 100% that may mean you are still getting paid 50% or 70% on what you sell.  Chargebacks are inevitable and can easily become an issue because they encourage you to take advances instead of the secure amount of money that you've actually earned.  You can go into debt QUICKLY.  They say they are not a pyramid scheme because they don't charge for training but they are.  There is extreme pressure to hire 'downlines' because anyone above you gets paid on the business they write.  Despite selling this career and company as a place that values families, taking vacation is highly discouraged along with taking off holidays (New Years, 4th of July).  Agents are regularly recognized for not taking a day off the entire year.  Most of the training you receive is in the form of previously recorded videos and conference calls.  If you have an office near you that has training I'd go to it, however the office that is near you may not be your team.  Offices hire agents who are across the country, and the office near you may not have a manager that is successful or willing to train people that they aren't making money from.  Overall it's not a great place for a person who has just got their license.  If you are experienced in the industry and can weed out the intense marketing and actually understand what you are getting, they might be for you.

All you hear are stories of success and that anyone can do this! There is a huge emphasis on recruiting. Training? You have to plug yourself into the hundreds of motivational training videos none of which tell you what the real truth is. You have to buy leads - they encourage you to buy $500-$1000 per week starting out "if you want to be successful". Lead flow is critical so you have to keep buying. What you won't hear are the secrets the top earners have like locking down counties so no on else can get the best leads. The manager that recruited me never told me this - then I found out he has the county I live in locked down for his own gain. There are so many things you'll find out only after you fall for their hype. It's literally very hard to get going - you'll be in debt before you know it. Don't believe the well-crafted videos - they're designed to pull people in. All they care about is recruiting - adding as many new agents as possible. It's ongoing forever because the majority quit. The only ones making it are the few who have managed to sucker new agents in and get an agency going. It all looks and sounds so good but it isn't reality. Their CRM with all these warm leads??? You buy them and get disappointed fast. You'll hear storied about agents who travel all over the country to states where there are a lot of instant internet leads ... it's not worth it. There are a few making it but the numbers they talk about are absurd. 
If it sounds too good to be true ... it's Family First Life. 

I didn't eve get through the entire bootcamp because it sounded like a cult. The entire bootcamp consisted of pushing for spending your own money to buy leads with what sounded like little promise. I live in a state with little concentration of leads so it was already unlikely that I would have any promising future within the company and therefore required me to travel. It sounded like a cult because of the promise of prosperity and the hopeful future of just regurgitating information and pushing policies on already struggling families. From the videos they provided, they mentioned that the majority of people can only afford 5-40K policies which seems to be manipulating older generations for their money to give them little coverage. I have heard of people being extremely successful but from what I have seen it seems to be very rare. The meaning of a cult is to: "dominate other members through psychological manipulation and pressure..." which is the atmosphere this company gives off. The high incomes that are reported are also not registering the amount that each person is paying to obtain leads. The money that is spent on leads in the beginning is also not likely to be compensated from commission earned. I got out before I even began because of how brainwashing this company seems to be.

FFL is AWESOME!  Esp for a new agent because they even pay for your pre-licensing course.  I had to pay $80 for mine and that was with the agency discount code.  Not much of discount though.  Here we don't have to use sketchy selling tactics and yes you buy leads but in the end, if you know what you're doing with them it shouldn't be hard to get your money back if your seriously putting in the work.  But when you do the rewards are great & the bonuses are like the cherry on top.  

You have no contract holding you tied to them so you can leave as you please.  What other job that you don't need a masters degree for allows you to make that much.  Sure it's work but if you truly care about people it shows and those are the people that are most successful in this business because they care about the people because when you do and you put in the hard work the money follows.

Also leads are never recycled, but the cheapest ones are aged but they are only $1 - $3 and go as high as approx $60 per lead.  But the higher you go the better the chances of making a sale and the more you make with the more expensive leads.  There's no reason someone should not make a sale with the more expensive leads.  They're expensive for a reason but if you can't sell any of those either , then this isn't the industry for you.  

What is the best part of working at the company?
Freedom to make your own schedule and have opportunity to sell products to unlimited amount of purchased leads.

What is the most stressful part about working at the company?
Not closing enough through telesales due to poor leads in CRM or lack of experience and training due to poor mentorship and structure of the organization.

What is the work environment and culture like at the company?
Very assertive and can feel like one man on an island for most of the journey since it is your own business you need to obtain. People are mostly friendly and busy making calls and some help is offered but not enough. Office environment using laptop and headphones heads down 90% of the time.  

What is a typical day like for you at the company?
Call leads and read a script and try to persuade leads the needs and wants for purchasing a final expense policy. Alot of administrative work and training online mostly required to fulfill needs for every insurance carrier. Typing emails and some calls to insurance carriers to assist you with questions you may have. 8-10 hours a day are typical if you want to get a sale.

FFL is a company that helps you become a licensed insurance agent and provides training for you to succeed. You have an “up line” that helps you get started, but aside from that you are your own boss.  You don’t “answer” to anyone, but you are also responsible for your own success.  

The company culture is very positive and they want everyone to be successful. They provide weekly opportunities to connect and receive training from those that are doing well.  

It is strictly commission and you are responsible for generating or purchasing your own leads.  My only issue is with the leads. You are told that the leads you are purchasing are of people that have expressed interest in obtaining life insurance and you are just contacting them to provide them with the information they have asked for.  A vast majority of the leads deny having any knowledge of requesting any information so it is either a “fine print” issue on something else they signed up for or the lead generator is just not being honest.  

If you have the ability to purchase the leads and just work the numbers game, you can be very successful.  

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