Family First Life Insurance Review

Choice Mutual Rating

4.5

Choice Mutual’s ratings are determined by our editorial team. The scoring formula considers consumer experience, policy cost, underwriting criteria, the insurer’s financial strength ratings, and complaint data.

Learn how their insurance products work and see sample prices.

Also, see what other consumers reported about them and which insurance companies they offer.

Who Is Family First Life?

Family First Life, aka “FFL,” is one of the largest insurance agencies in the USA.

They are licensed, in all states, to sell life insurance, health insurance, Medicare products, and annuities.

The primary products they market are final expense insurance and “mortgage protection insurance.”

Because they freely represent multiple insurers, they can match each client with whichever product best suits their needs.

Their website does not allow you to quote or buy insurance entirely online.

To get a quote or buy insurance through a Family First Life agency, you must either physically meet one of their agents or speak to them verbally via telephone.

To learn more about who they are, visit the about section of their website.

Family First Life Insurance Products

Family First Life has an extensive product selection because they contract with dozens of insurance companies.

That said, they focus on four main types of insurance.

Final expense insurance

Final expense life insurance (aka “burial insurance” or “funeral insurance”) is a small whole life policy that doesn’t require an exam.

Coverage options are very small, typically $2,000-$50,000, so you can buy just enough to pay cremation costs or burial costs.

Burial insurance for seniors is life insurance (see life insurance vs. burial insurance), so the net result of the policy is a cash payout directly to your loved ones.

They can spend that money with no restrictions.

Mortgage protection

Mortgage protection insurance is a marketing expression that typically describes a term life insurance policy.

If you die while the policy is in force, it will pay out so your loved ones can pay off the remaining mortgage balance.

Indexed universal life

Indexed universal life is a type of permanent life insurance that is often used to supplement retirement. The money in the cash value account grows every time you make payments.

It also earns interest based on the insurance company’s stock market index. You can withdraw the cash and spend it with no restrictions at any time.

Fixed index annuities

A fixed index annuity offers ironclad guarantees that your principal will never decrease. The upside gains are reduced since the principal is fully protected.

For the risk-averse, a fixed income annuity offers a secure way to park your money for retirement.

Family First Life Pros And Cons

Every business has its pluses and minuses. Family First Life is no exception to that rule.

Insurance Companies That Family First Life Offers

According to the FFL website, they represent the following final expense life insurance companies:

• Aetna
• Aflac
• AIG
• American Amicable
• American National
• Americo
• Athene
• Columbian Financial Group
• Fidelity and Guarantee Life
• Foresters Financial
• Global Atlantic Financial Group
• Great Western
• John Hancock
• Liberty Bankers Life
• Lincoln Financial Group
• Mutual of Omaha
• National Life Group
• Prosperity Life Group
• Royal Neighbors of America
• Transamerica
• United Home Life
• Lafayette Life Insurance Company
• North American
• Nassau

It’s unknown if this list is complete or if there are other carriers simply not shown on their website.

How Much Does Insurance From Family First Life Cost?

The price of an insurance policy depends on the type of coverage, age, gender, health, lifestyle, tobacco usage, and how much coverage you want.

You’d need to speak with one of their sales representatives to get quotes for their universal life, health products, or annuities.

Below are some quotes for final expense insurance since that is one of the most popular products they sell.

The prices shown are for $10,000 in whole life final expense coverage.

The insurance carriers quoted are Mutual of Omaha Living Promise whole life insurance, Americo Eagle (level), Aetna’s Accendo (preferred).

Age
50	Female=$24.31 Male=$30.68	Female=$34.08 Male=$39.97	Female=$27.30 Male=$34.39
55	Female=$27.71 Male=$35.95	Female=$37.89 Male=$46.47	Female=$34.39 Male=$44.10
60	Female=$32.87 Male=$43.76	Female=$41.34 Male=$52.16	Female=$40.51 Male=$51.10
65	Female=$41.01 Male=$56.48	Female=$52.83 Male=$65.40	Female=$47.60 Male=$58.19
70	Female=$53.24 Male=$74.61	Female=$65.60 Male=$86.49	Female=$58.19 Male=$73.15
75	Female=$72.41 Male=$99.97	Female=$86.89 Male=$118.09	Female=$75.86 Male=$101.41
80	Female=$98.43 Male=$139.73	Female=$135.12 Male=$172.93	Female=$101.41 Male=$140.26
85	Female=$135.90 Male=$192.74	Female=$196.69 Male=$235.58	Female=$136.67 Male=$195.82

Third-Party Ratings

Insurance agencies like Open Care, TruStage, and Family First Life don’t have ratings from A.M. Best.

A.M. Best only assigns ratings to insurance carriers- not brokers.

That said, there is evidence of Family First Life ratings from other relevant entities.

One of the significant shortcomings of Family First Life is the absence of direct consumer feedback.

Frankly, virtually all their online reviews are from their licensed sales agents, not the customers who buy the insurance.

For consumer feedback, here is the little that exists as of 11/27/2023:

• Better Business Bureau: Accredited with an A rating and a 2.19/5 score from 32 reviews
• Facebook: 4.5/5 from 520 reviews
• Trustpilot: 3.8/5 from two reviews

Company Background Information

Family First Life is an insurance marketing organization (“IMO”) started in 2013 by Shawn Meaike.

In October 2019, Family First Life was acquired by Integrity Marketing Group.

Post-acquisition, Shawn Meaike is still the president and CEO of Family First Life.

Their home office is based in Uncasville, Connecticut. As of 11/27/2023, they have over 124 affiliate offices and thousands of licensed agencies spread throughout the nation.

FFL sales agents are all independent contractors who technically work for themselves rather than Family First Life.

Family First Life donates to over 30 organizations. Per their website, they have donated over $1,000,000 to various charities such as Make a Wish and DreamCenter.

You can get in contact with Family First Life directly or via their social channels:

• Phone: 860-317-1324
• Email: recruiting@familyfirstlife.com
• Address: 80 Norwich New London TPKE Uncasville, CT 06382
• Twitter: https://twitter.com/FamilyFirstLife/
• Instagram: https://www.instagram.com/familyfirstlife/
• Facebook: https://www.facebook.com/FamilyFirstLife/
• Youtube: https://www.youtube.com/user/FamilyFirstLife
• Linkedin: https://www.linkedin.com/company/5128847
• Tik Tok: https://www.tiktok.com/@familyfirstlife

Frequently Asked Questions