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4.0/5
Overall Score

Choice Mutual’s ratings are determined by a review formula that weights the following four factors to determine a score between 0 and 5:

Factor Score Value
Price of Coverage
40%
No-Waiting-Period CoverageNo Waiting Period
20%
Better Business Bureau RatingBBB Rating
20%
Agency Transparency
20%
Overall Maximum
100%

Our ratings are tested with scoring model 1.1, a review formula that ensures consistency and accuracy in our assessments.

Rating methodology
Score Breakdown
Price of Coverage
Price of Coverage
40% of overall score

Using this quote calculator, we compare the price of the insurer’s coverage to competitors with equivalent products. The score they receive is based on how close their price is to those three least expensive providers:

  • 5
    0-5% more expensive
  • 4
    6-10% more expensive
  • 3
    11-20% more expensive
  • 2
    21-30% more expensive
  • 1
    ≥ 40% more expensive
Price audit
5.0
No-Waiting-Period CoverageNo Waiting Period
No-Waiting-Period Coverage
20% of overall score

This scoring factor assesses whether an insurer offers coverage with no waiting period and, if so, how difficult it is to qualify for it. If an insurer does not provide coverage with no waiting period, it gets an automatic 1. A score from 2 to 5 indicates that immediate coverage is possible, and the higher the rating, the easier it is for the average applicant to qualify for it.

  • 5
    Most applicants qualify
  • 4
    Fairly easy qualification
  • 3
    Somewhat difficult qualification
  • 2
    Very difficult qualification
  • 1
    No-waiting-period coverage unavailableNo-waiting-period unavailable
3.0
BBB Rating
Better Business Bureau Rating
20% of overall score

The BBB rating is based on information the Better Business Bureau is able to obtain about the business, including complaints received from the public. Our scores are based on the rating that BBB assigns to the business:

  • 5
    A rating
  • 4
    B rating
  • 3
    C rating
  • 2
    D rating
  • 1
    F rating or Not Rated
5.0
Agency Transparency
Agency Transparency
20% of overall score

The agency transparency score measures how well an insurance broker reveals critical business information to the public. We conduct extensive online research to answer 7 objective questions and assign a pass or fail result, which corresponds to the following scores:

  • 5
    7 questions passed
  • 4
    5-6 questions passed
  • 3
    3-4 questions passed
  • 2
    2 questions passed
  • 1
    0-1 questions passed
Transparency audit
3.0
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Our Verdict

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.

Pros

  • 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.

Cons

  • 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.

BBB
1.8/5
10 reviews
Trustpilot
2.8/5
2.8 reviews
Google
3.9/5
19 reviews
Yelp
0/5
0 reviews
Ratings valid as of 06/10/2025.
    Policy Type
    Whole Life
    New Applicant Age Range
    40-85
    Death Benefit Options
    $5,000-$40,000
    States Where Available
    All except New York
    Builds Cash Value
    Yes
    Has Health Questions
    Yes
    2-Year Waiting Period
    No
    Medical Exam Required
    No
    Age When Policy Expires
    Never
    Prices Increase
    Never
    Terminall Illness Rider
    Yes
    Policy Type
    Whole Life
    New Applicant Age Range
    40-85
    Death Benefit Options
    $5,000-$40,000
    States Where Available
    All except New York
    Builds Cash Value
    Yes
    Has Health Questions
    Yes
    2-Year Waiting Period
    No
    Medical Exam Required
    No
    Age When Policy Expires
    Never
    Prices Increase
    Never
    Terminall Illness Rider
    Yes
    Policy Type
    Whole Life
    New Applicant Age Range
    40-85
    Death Benefit Options
    $5,000-$25,000
    States Where Available
    All except New York
    Builds Cash Value
    Yes
    Has Health Questions
    Yes
    2-Year Waiting Period
    Yes
    Medical Exam Required
    No
    Age When Policy Expires
    Never
    Prices Increase
    Never
    Resources

    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.

    Age & Gender$10,000$15,000$25,000
    Female age 45$23$32$52
    Male age 45$27$39$63
    Female age 50$24$35$56
    Male age 50$31$44$72
    Female age 55$28$40$64
    Male age 55$36$52$85
    Female age 60$33$48$77
    Male age 60$44$64$105
    Female age 65$41$60$98
    Male age 65$56$83$136
    Female age 70$53$78$128
    Male age 70$75$110$182
    Female age 75$72$107$176
    Male age 75$100$148$245
    Female age 80$98$146$241
    Male age 80$140$208$345
    Source for monthly prices: Choice Mutual quote calculator. Rates are for Mutual of Omaha Living Promise level coverage at a non-tobacco rating, rounded to the nearest dollar, and are valid as of 06/11/2025.
    Age & Gender$10,000$15,000$25,000
    Female age 45$24$34$54
    Male age 45$27$39$62
    Female age 50$26$37$59
    Male age 50$31$44$71
    Female age 55$30$42$68
    Male age 55$36$52$84
    Female age 60$35$50$81
    Male age 60$43$63$102
    Female age 65$42$61$98
    Male age 65$54$79$130
    Female age 70$53$78$127
    Male age 70$71$105$172
    Female age 75$72$107$175
    Male age 75$97$144$237
    Female age 80$98$146$240
    Male age 80$136$202$334
    Source for monthly prices: Choice Mutual quote calculator. Rates are for Americo Eagle Select 1 policy at a non-tobacco rating, rounded to the nearest dollar, and are valid as of 06/11/2025.
    Age & Gender$10,000$15,000$25,000
    Female age 45$26$37$59
    Male age 45$30$43$70
    Female age 50$27$39$63
    Male age 50$34$50$81
    Female age 55$34$50$81
    Male age 55$44$64$105
    Female age 60$41$59$96
    Male age 60$51$75$123
    Female age 65$48$70$114
    Male age 65$58$86$140
    Female age 70$58$86$140
    Male age 70$73$108$178
    Female age 75$76$112$184
    Male age 75$101$150$248
    Female age 80$101$150$248
    Male age 80$140$209$345
    Source for monthly prices: Choice Mutual quote calculator. Rates are for Aetna's Accendo policy at a preferred non-tobacco rating, rounded to the nearest dollar, and are valid as of 06/11/2025.

     

    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:

     

    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.

    Anthony Martin
    Anthony Martin
    Choice Mutual CEO
    Author
    • 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.

    1. about section. https://familyfirstlife.com/#about-us
    2. types of insurance. https://familyfirstlife.com/#about-us
    3. FFL website. https://www.familyfirstlife.com/#carriers
    4. A.M. Best.. https://web.ambest.com/about-us
    5. Better Business Bureau. https://www.bbb.org/us/ct/uncasville/profile/life-insurance/family-first-life-llc-0111-87119128
    6. Trustpilot. https://www.trustpilot.com/review/familyfirstlife.com
    7. Shawn Meaike. https://www.linkedin.com/in/shawn-meaike-a4b00792/
    8. 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
    9. Integrity Marketing Group. https://www.integritymarketing.com/
    10. affiliate offices. https://familyfirstlife.com/#offices
    11. 30 organizations. https://familyfirstlife.com/#philanthropy
    12. their website. https://familyfirstlife.com/#philanthropy2
    13. Make a Wish. https://wish.org/
    14. DreamCenter. https://www.dreamcenter.org/
    15. twitter.com. https://twitter.com/FamilyFirstLife/
    16. instagram.com. https://www.instagram.com/familyfirstlife/
    17. facebook.com. https://www.facebook.com/FamilyFirstLife/
    18. youtube.com. https://www.youtube.com/user/FamilyFirstLife
    19. linkedin.com. https://www.linkedin.com/company/5128847
    20. tiktok.com. https://www.tiktok.com/@familyfirstlife
    21. Reddit. https://www.reddit.com/r/InsuranceAgent/comments/mqd4in/ive_just_been_recruited_by_family_first_life_it/
    22. Indeed. https://www.indeed.com/cmp/Family-First-Life/reviews
    23. Glassdoor. https://www.glassdoor.com/Overview/Working-at-Family-First-Life-EI_IE769346.11,28.htm
    24. 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,,,,
    25. Yelp. https://www.yelp.com/biz/family-first-life-uncasville
    26. Indexed universal life. https://www.investopedia.com/articles/insurance/09/indexed-universal-life-insurance.asp
    27. fixed index annuity. https://www.nationwide.com/lc/resources/investing-and-retirement/articles/what-is-a-fixed-indexed-annuity
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