A recruiter calls promising six figures in income and fees leads, or a stranger shows up at your door offering to review your policy. Either way, you are left thinking the same thing like his family first life insurance, a real company, or a set up you should walk away from?
Both of these things can be true at once. Families first life insurance is a legally licensed insurance agency, and it also runs on an independent agent commission only model that will produce widely different experiences depending on who you talk to. Getting a clear answer means that separating the company’s legal standing from the agent to the recruitment site, which is where most of the confusion and most of the complaints actually come from.
This review directly from the Better Business Bureau, glass tour, indeed and the companies own agent contract to answer what people are actually searching for. Like is this the legit company, what does it pay, what to employ, say and should you buy a policy or take the job.
Is Family First Life Insurance Legit?
Yes. Family First Life, LLC is a BBB accredited business with an A+ rating, Incorporated in Connecticut on November 15, 2013. And it has been BBB accredited since December 2014. It is the license to sell the insurance nationwide through the independent agent who each holds their own state insurance license.
Family first life is what’s called an IMO. It is an independent marketing organization, not an insurance carrier itself. This distinction matters a lot like FFL does not underwrite the policies or pay the claims directly. Instead, it contracts with the careers like Americo, Mutual of Omaha and Forster to sell the mortgage case protection, final expense insurance, index universal life and fix this annuity product through its agent network.
Company Snapshot
| Detail | Information |
| Legal name | Family First Life, LLC |
| Founder / President | Shawn Meaike |
| Founded | November 15, 2013 |
| Headquarters | 80 Norwich New London Tpke, Ste 1-B, Uncasville, CT 06382 |
| BBB rating | A+ (accredited since 12/29/2014) |
| Business model | Independent marketing organization (IMO); 1099 independent contractor agents |
| Products | Mortgage protection, final expense, indexed universal life, fixed indexed annuities |
| Phone | (860) 317-1324 |
Family First Life Insurance vs. First Family Insurance: Don’t Confuse These Two
If you were searching for the first family life insurance or family life insurance, you may actually be thinking of a different, unrelated company. First family life insurance is separate business and the complaints about one hour frequently and taking the attributes to the other online.
Before leaving any review, filing a complaint or evaluating a quote make sure to confirm which company you’ve actually spoken with. Ask for the agent’s full name, the exact business name and your policy paperwork and the underwriting career. Family first life agents work who named carriers like America, not through an FFL branded insurance company.
Secure Your Family's Future with Confidence
Don’t leave your loved ones' financial security to chance. Use our expert tools and free resources to find the perfect coverage today.
What Do Family First Life Insurance Reviews Actually Say?
The review split sharply along one line and it is that customer experience and agent experience are two different conversations. Most of the negative reviews come from the agent side, not the policyholder. Family first life carries a 3.3 star average across a 1900+ class store employee reviews, which sit close to the insurance industry average.
What Customers Say
Reviews on BBB profile at largely positive, with the business maintaining an A+ rating. The recurring customer complaint is not about the claims or coverage, it is all about the unsolicited follow up contact after requesting an online quote which several reviewers described as persistent call or text from the agent who purchased their lead information.
What Agents Say
Indeed and glass store reviews describe a consistent pattern and it is a strong training and an uncapped commission structure, offset by the high lead cost that the new agents pay out of pocket before earning anything back. Multiple reviews describe spending on the leads faster than they could convert them into the paid commission particularly in the first 90 days.
| Review source | Rating | What it measures |
| BBB | A+ | Business complaint handling, licensing, transparency |
| Glassdoor (all roles) | 3.3 / 5 (1,879 reviews) | Employee/agent satisfaction |
| Glassdoor (Life Insurance Agent) | 3.1 / 5 (211 reviews) | Agent-specific satisfaction |
| Indeed | Mixed | Agent pay, culture, lead cost complaints |
How Much Do Family First Life Insurance Agents Actually Make?
There is no fixed salary. Every family first life agent works as an 1099 independent contractor, that is paid entirely on commission. Which is the single most misunderstood part of the family’s first life insurance salary search. Anyone who is offering you a guaranteed pay selfie at FFL is describing a different arrangement that the company is actually structured.
The third-party salary estimate is very enormous because they are built from self-reported, commission heavy income.
| Source | Reported average |
| ZipRecruiter (Family First Life Agent) | $82,792/year ($39.80/hr equivalent) |
| Glassdoor (Insurance Agent, national) | $76K–$115K total pay range |
| Glassdoor (Life & Health Insurance Agent) | $105K–$175K total pay range |
| Indeed (Insurance Agent, Florida) | $64,053/year |
| Indeed (Insurance Agent, North Carolina) | $121,928/year |
How Do You Become a Family First Life Insurance Agent?
You do not need an existing life insurance license to start the process, but you need one before you can sell. Family first life recruits both licensed and unlicensed candidates and the company advertises free training to help the unlicensed applicant get state licensed.
The Typical Path
- Make sure to apply to a local FFL agency or recruiting agent
- Complete pre-licensing coursework and pass your state life and health insurance exam if you are not already licensed
- Get the contract with FFL’s partner carriers, which set your commission rate
- Purchase your first batch of deeds, this is an out-of-pocket cost, not something FFL provides, despite how some recruiting pitches frame it.
Family First Life vs. Other Insurance Marketing Organizations
First family life is not unique in its model, it compete with the several similarity structured IMO that recruit a captive style but pay the agents as independent contractors.
| IMO | Business model | Standout feature | Common complaint |
| Family First Life | 1099, commission-only, buy-your-own-leads | High starting commission rates (up to 145% with select carriers) | High lead costs before profitability |
| Symmetry Financial Group | 1099, commission-only, buy-your-own-leads | Similar mortgage protection/final expense focus | Similar lead-cost complaints |
| Equis Financial | 1099, commission-only | Retirement planning emphasis | Recruitment-heavy culture |
| Direct-to-carrier agent (e.g., Mutual of Omaha employee agent) | W-2 or hybrid | Base pay, employer benefits | Lower commission ceiling |
Should You Buy a Life Insurance Policy Through a Family First Life Agent?
You can, but the agent relationship the same way you would any independent broker like verify the carrier, read the policy registration and never sign the same day you were first contacted unless you have already reviewed the term
Because FFL agents work with the multiple carriers, the actual insurance company paying your claims will be named like America omission of Omaha. That carries a financial strength rating which you can check through AM best, and it matters more than the FFL brand on the business card.
Where to Go Now
Whether you’re comparing agents or comparing coverage, the safest move is the same: get the policy terms and carrier name in writing before you decide anything. If you’d rather start by comparing straightforward life insurance quotes without a recruiting pitch attached, Mlife Insurance offers quotes and plain-language guides built for exactly that.
FAQS
Yes, family first life is a legitimate insurance marketing organization that is working with multiple insurance companies to offer life insurance products.
Family first life is an insurance marketing or organization that connects the customer with independent agents who sell life insurance from various insurance companies.
Family first life has experienced leadership and business changes over the years but continues to operate as an insurance marketing organization.
Yes, first family insurance is a legitimate insurance agency. But always verify the company’s license and review before purchasing any policy.
Joyce Espinoza, Expert Life Insurance Agent
Joyce Espinoza is a trusted life insurance agent at mLifeInsurance.com. She’s been in the insurance industry for over ten years, helping people, especially those with special health conditions to find the right coverage. At MLife Insurance, Joyce writes easy-to-understand articles that help readers make smart choices about life insurance. Previously, she worked directly with clients at Mlife Insurance, advising nearly 3,000 of them on life insurance options.
