Family First Life is a nationally licensed insurance agency that offers a range of insurance products and represents numerous reputable insurance providers.
As a broker, they have the freedom to compare multiple companies side by side to find each client the best policy possible. They have agents in all 50 states who can meet you in person or are available via telephone.
Online feedback about the company is overwhelmingly from past or current sales agents, as seen on websites such as Reddit, Indeed, or Glassdoor. Alternatively, customer feedback is scarce, but there is no indication that they mistreat their policyholders in some systemic way.
- Has a vast array of insurance companies and products to choose from to suit your needs.
- There are hundreds of field offices if you prefer to meet in person (and live close to one).
- The company makes donations to numerous charitable causes.
- There is no licensing information on their website.
- Their website does not display quotes, but it makes it seem as though they do.
- Very little online information about their experience with customers.
Who Is Family First Life?
Family First Life, also known as “FFL,” is one of the largest insurance agencies in the United States. They are licensed in all states to sell life insurance, health insurance, Medicare products, and annuities. However, the primary products they market are final expense insurance and mortgage protection insurance.
It’s important to note that Family First Life is not an insurance company that underwrites insurance policies. They are a broker that partners with dozens of insurance providers, including Mutual of Omaha, John Hancock, AIG, and many more.
Being a broker is not a cause for concern. Quite the opposite, it’s a very good thing. Because they freely represent multiple insurers, they can match each client with the product that 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 offers an extensive product selection, as it contracts 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 typically small, ranging from $2,000 to $50,000, allowing you to purchase just enough to cover cremation or burial costs.
When you die, the insurance company will pay cash directly to your loved ones, which they can spend on anything (not just funeral costs).
Mortgage protection
Mortgage protection insurance is a marketing term that typically refers to a term life insurance policy.
If you die while the policy is in force, it will pay a cash benefit, allowing your loved ones to settle the remaining mortgage balance or any other outstanding expenses.
Indexed universal life
Indexed universal life is a type of permanent life insurance that is often used to supplement retirement. It builds cash value that grows with each payment, in addition to accrued interest based on the insurance company’s chosen stock market index.
You’re entitled to withdraw the cash value 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 lower since the principal is fully protected.
For the risk-averse, a fixed income annuity offers a secure way to park your money for retirement.
How Much Does Final Expense Insurance From Family First Life Cost?
The price of a final expense policy depends on the type of coverage, age, gender, health, lifestyle, tobacco use, and the amount of coverage you want.
Below are some quotes for final expense insurance from three of the most popular companies that Family First Life represents.
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
- Columbus Life
- Ethos
- Fidelity and Guarantee Life
- Foresters Financial
- Global Atlantic Financial Group
- John Hancock
- Lafayette Life Insurance Company
- Liberty Bankers Life
- Lincoln Financial Group
- Mutual of Omaha
- Nassau
- National Life Group
- North American
- Royal Neighbors of America
- Transamerica
- United Home Life
It’s unknown if this list is complete or if there are other providers not shown on their website.
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. Following the acquisition, Shawn Meaike remains the president and CEO of Family First Life.
Their home office is based in Uncasville, Connecticut. Furthermore, they have dozens of 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. According to their website, they have donated over $ 1 million to various charities, including 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
Family First Life is a legitimately licensed insurance agency authorized to sell insurance nationwide. Each sales agent holds the proper state license to sell their insurance products.
Family First Life doesn’t have a rating with A.M. Best because they are an agency rather than an insurance company.
There are two ways to buy insurance from Family First Life. First, you can speak to one of their sales agents who can fully process the application over the phone. If you prefer to conduct business in person, another option would be to meet with one of their agents in person.
Our Insurance Review Methodology
Every agency we review has an overall score that illustrates how well it stands out in the market relative to its competitors. These scores are not subjective. Instead, we utilize a defined 5-star scoring system that applies a weighted average of particular factors, all of which are outlined below and on our review methodology page.
We measure the price of a company’s most popular they promote relative to its competitors. The closeness of their cost to other companies determines the final score. Read a full breakdown of the price of coverage factor on our review methodology page.
This factor assesses whether a company offers immediate coverage and, if so, how difficult it is to qualify for it. Read a full breakdown of the no waiting period coverage factor on our review methodology page.
The Better Business Bureau assigns a letter ranking (A-F) to each business, representing its level of trustworthiness. Our scores are based on the company’s ranking with the BBB. Read a full breakdown of the BBB rating factor on our review methodology page.
The agency transparency factor measures how well they reveal essential business information to the general public. To calculate this score, we conduct thorough online research to answer seven yes-or-no questions. Read a full breakdown of the agency transparency factor on our review methodology page.
Why trust Choice Mutual?
When we review products, our findings are unbiased and free of any influence from partnerships or methods of compensation. All findings, good or bad, are solely the derivative of our objective analysis of any given product or company.
As noted on our review methodology page, our researchers evaluate the financial stability of the insurer, policy costs, product limitations, state availability, customer satisfaction, waiting periods (if applicable), and other relevant factors. We aggregate all this cumulative data to develop objective overall scores based on pre-defined weighted factors.
In addition, a qualified expert who is well-qualified to speak on the matter will provide opinion-based feedback about the company or product being reviewed.
For over a decade, Choice Mutual has been an insurance agency specializing in final expense life insurance. Our expertise in this type of insurance is well-documented in numerous authoritative publications, some of which are listed below:
Choice Mutual’s mission is to provide consumers with unbiased expert commentary and explanations of the topics being discussed. We want our readers to be armed with information and tools that cannot be found anywhere else on the internet, so they can truly make an informed decision.
All content on this website is written by Anthony Martin, who is a licensed life insurance agent with over a decade of expertise in this industry and has been quoted as an expert source hundreds of times by many reputable news outlets.
Per our editorial guidelines, we have never, and will never, use artificial intelligence to create our content. Every word printed on this website is produced and curated 100% by human beings who have firsthand experience with the subject matter.
- Nationally licensed life insurance agent with over 15 years of experience
- Personal annual production that puts him in the top .001% out of all life insurance agents in the nation.
Anthony Martin is a nationally licensed insurance expert with over 15 years of experience and has personally served over 10,000 clients with their life insurance needs. He frequently authors entrepreneurial and life insurance content for Forbes, Inc.com, Newsweek, Kiplinger, and Entreprenuer.com. Anthony has been consulted as an expert life insurance source for dozens of high-profile websites such as Forbes, Bankrate, Reuters, Fox Business, CNBC, Investopedia, Insurance.com, Yahoo Finance, and many more.
Choice Mutual often cites third-party websites to provide context and verification for specific claims made in our work. We only link to authoritative websites that provide accurate information. You can learn more about our editorial standards, which guide our mission of delivering factual and impartial content.
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about section. https://familyfirstlife.com/#about-us
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types of insurance. https://familyfirstlife.com/#about-us
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FFL website. https://www.familyfirstlife.com/#carriers
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A.M. Best.. https://web.ambest.com/about-us
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Better Business Bureau. https://www.bbb.org/us/ct/uncasville/profile/life-insurance/family-first-life-llc-0111-87119128
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Trustpilot. https://www.trustpilot.com/review/familyfirstlife.com
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Shawn Meaike. https://www.linkedin.com/in/shawn-meaike-a4b00792/
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was acquired. https://www.prnewswire.com/news-releases/family-first-life-partners-with-integrity-marketing-group-to-accelerate-growth-and-serve-more-americans-with-their-life-insurance-needs-300938476.html
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Integrity Marketing Group. https://www.integritymarketing.com/
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affiliate offices. https://familyfirstlife.com/#offices
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30 organizations. https://familyfirstlife.com/#philanthropy
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their website. https://familyfirstlife.com/#philanthropy2
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Make a Wish. https://wish.org/
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DreamCenter. https://www.dreamcenter.org/
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twitter.com. https://twitter.com/FamilyFirstLife/
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instagram.com. https://www.instagram.com/familyfirstlife/
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facebook.com. https://www.facebook.com/FamilyFirstLife/
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youtube.com. https://www.youtube.com/user/FamilyFirstLife
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linkedin.com. https://www.linkedin.com/company/5128847
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tiktok.com. https://www.tiktok.com/@familyfirstlife
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Reddit. https://www.reddit.com/r/InsuranceAgent/comments/mqd4in/ive_just_been_recruited_by_family_first_life_it/
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Indeed. https://www.indeed.com/cmp/Family-First-Life/reviews
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Glassdoor. https://www.glassdoor.com/Overview/Working-at-Family-First-Life-EI_IE769346.11,28.htm
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Google. https://www.google.com/search?q=family+first+life+uncasville+ct&client=firefox-b-1-d&sca_esv=3998ef5806fd06a1&sca_upv=1&ei=5QGQZr_uM4680PEPyL2osAs&gs_ssp=eJwFwcESQCAQANBxNeMbdHHWliif4C-0dk0zcVDE33uvbvq9B_DFQCpayWru5GsdjRJRa43swLtZvgYmJgtoNjWAIru0vB4hfoLDlbKIgUncJ67pCTGSwPwDO2Eaww&oq=family+first+life+unc&gs_lp=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&sclient=gws-wiz-serp#lrd=0x89e60cc333cf91b9:0x517fe81c5d2412e8,1,,,,
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Yelp. https://www.yelp.com/biz/family-first-life-uncasville
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Indexed universal life. https://www.investopedia.com/articles/insurance/09/indexed-universal-life-insurance.asp
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fixed index annuity. https://www.nationwide.com/lc/resources/investing-and-retirement/articles/what-is-a-fixed-indexed-annuity
