Is FFL Insurance Legit: Cost, Review, Policies, Ratings, Complaints

In a world where the fine print can often be more telling than the bold promises, the question “Is FFL Insurance legit?” stands as a beacon for those navigating the murky waters of life insurance.

As we set sail to explore the legitimacy of Family First Life Insurance, we’ll cut through the fog of industry jargon and uncover the truth that lies beneath.

Join me on this voyage as we seek to demystify the realities of FFL’s offerings and chart a course to informed decision-making.

Looking for honest insurance advice? Our article tackles the question: Is FFL insurance legit? Get the facts before you commit.
Looking for honest insurance advice? Our article tackles the question: Is FFL insurance legit? Get the facts before you commit.

What Is Family First Life?

Family First Life, known as FFL, is not your average insurance company.

They’re a broker, meaning they don’t directly provide the insurance but work with various carriers to offer policies.

They’ve been around since 2013, and they specialize in life insurance, health insurance, and annuities.

Who Runs Family First Life?

The captain of the FFL ship is Shawn Meaike.

He founded the company with a vision to protect families and improve lives.

Under his leadership, FFL has grown into a significant player in the insurance industry.

What Is The Operating Model Of Family First Life?

FFL does not sell its own insurance policies; instead, it acts as a broker, connecting customers with the right insurance carriers and products to meet their specific needs.

FFL’s operating model is based on three key principles:

1. Customer-centricity: FFL is committed to putting its customers first. The company’s core focus is on providing personalized service and building relationships with its clients. FFL’s agents work closely with customers to understand their individual needs and recommend the best insurance solutions for their families.

2. Carrier partnerships: FFL has established strong relationships with some of the leading insurance carriers in the industry. These partnerships allow FFL to offer a wide range of insurance products and services at competitive rates. FFL carefully selects its carrier partners based on their financial strength, product offerings, and customer service reputation.

3. Technology-driven: FFL leverages technology to provide its agents and customers with the tools they need to succeed. The company’s proprietary platform provides agents with access to a wealth of resources, including product information, marketing materials, and customer relationship management (CRM) tools. Customers can also use FFL’s website to get quotes, compare products, and manage their policies.

How Can Family First Life Help Protect Your Family?

Family First Life offers a range of insurance products designed to provide financial protection for your family in various circumstances. Here’s how they can help:

  1. Mortgage Protection Life Insurance: This insurance is designed to protect your home, ensuring that your most valuable asset is secure in the event of your passing.
  2. Final Expense Life Insurance: Aimed at covering funeral expenses, this permanent life insurance policy helps alleviate the financial burden associated with end-of-life costs.
  3. Indexed Universal Life Insurance: This policy provides the dual benefits of life insurance coverage and the potential for cash value growth based on the performance of a market index.
  4. Fixed Index Annuities: These financial products can help provide a steady income stream during retirement, adding another layer of financial security for your family’s future.

How Much Does Family First Life Cost?

The cost of Family First Life insurance will vary depending on a number of factors, including your age, health, location, and the type of coverage you choose.

However, Family First Life is generally considered to be an affordable provider of insurance.

Here is a table of estimated costs for some of Family First Life’s most popular coverage options:

Plan Price per Day (USD)
Term Life Insurance $0.15 – $0.80
Whole Life Insurance $0.40 – $1.50
Universal Life Insurance $0.30 – $1.20

As you can see, the cost of Family First Life insurance can range from as little as $0.15 per day to as much as $1.50 per day.

The cost of your plan will also depend on the amount of coverage you choose.

For example, a 20-year-old male who is in good health may be able to get a $1 million term life insurance policy for as little as $15 per month.

However, a 50-year-old male who is in poor health may have to pay as much as $200 per month for the same amount of coverage.

Family First Life Insurance Review

Family First Life Insurance is a prominent insurance marketing organization (IMO) that partners with top-rated insurance carriers to provide life insurance products and services to individuals and families.

The company stands out for its customer-centric approach, strong carrier partnerships, and technology-driven operations.

FFL Insurance Complaints

Family First Life (FFL) Insurance has received complaints from customers regarding various aspects of their service and products. Here are some of the most common complaints:

  • Misleading sales practices: Some customers have alleged that FFL agents misled them about the terms and conditions of their policies or made false promises about the coverage they would receive.

  • Deceptive marketing: FFL has been accused of using deceptive marketing tactics, such as using misleading language or making unrealistic claims about their products.

  • High fees and poor value: Some customers have complained that FFL’s fees are high and that the value of their policies is not commensurate with the cost.

  • Exclusions and limitations: FFL’s policies have a number of exclusions and limitations, which can mean that customers may not be covered for certain types of claims.

  • Poor customer service: Some customers have reported having difficulty getting in touch with FFL’s customer service representatives or receiving assistance with their claims.

  • Unfair claims denials: FFL has been accused of unfairly denying claims, even when the claims are valid.

  • Lack of transparency: FFL has been criticized for not being transparent about its pricing and coverage. This can make it difficult for customers to make informed decisions about their insurance needs.

FFL Insurance Policies

Family First Life (FFL) operates as an insurance broker, which means they do not directly provide insurance policies but instead work with various insurance carriers to offer a range of products. The policies they facilitate typically include:

  • Life Insurance: This can include term life, whole life, and universal life insurance policies, which provide financial protection for beneficiaries in the event of the policyholder’s death.
  • Health Insurance: FFL may offer health insurance options that cover medical expenses for individuals and families.
  • Annuities: These financial products can provide a steady income stream during retirement.

FFL Financial Strength Rating

Family First Life (FFL) is an insurance marketing organization (IMO) and does not sell its own insurance policies. Therefore, it does not have its own financial strength rating.

However, the company partners with several top-rated insurance carriers, which have strong financial strength ratings. Here are the financial strength ratings of some of FFL’s partner carriers:

  • A.M. Best: Superior (A+)
  • Fitch Ratings: Good (BBB)
  • Moody’s Investors Service: Baa3 (Stable)
  • S&P Global Ratings: BBB (Stable)


So, is FFL insurance legit? It appears so, at least on the surface.

They offer legitimate insurance products through reputable carriers.

However, the MLM structure and agent complaints warrant caution.

If you’re considering FFL, whether as a customer or an agent, do your homework and proceed with your eyes wide open.

Remember, if something sounds too good to be true, it probably is. Stay vigilant, friends!

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