Family First Life Insurance Review

Insurance broker working with top life insurance providers but no online tools

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Family First Life

Family First Life

overall rating

Our Take

Family First Life is an insurance broker that works with insurance providers such as AIG and Mutual of Omaha to provide life insurance policies to individuals. People seeking life insurance from Family First Life will need to work with one of their agents, as quotes and policy details aren’t available online. The broker operates as a multi-level marketing business and lacks transparency and online tools, so we don’t recommend that most people use Family First Life for their insurance needs.

  • Pros & Cons
  • Key Takeaways
  • Specifications
Pros & Cons
  • Works with multiple top insurance providers to address a variety of needs

  • All of the insurance carriers that Family First Life works with have an A financial strength rating or better from AM Best

  • Heavy focus on hiring agents with a multi-level marketing business model

  • Policy details aren’t available online

  • No instant online quotes or online policy management

  • Customer service reviews are difficult to find

Key Takeaways
  • Family First Life gets most leads through mail offers sent to homeowners, and when people respond with their information, a local agent will call them to try to sell them a policy. You can also call Family First to be connected with an agent. Note that while Family First Life refers to its representatives as agents, they are brokers working to connect consumers with various insurance providers. 
  • Family First Life sells policies issued by the following providers: Global Atlantic, Americo, AIG, Transamerica, Foresters Financial, John Hancock, Mutual of Omaha, Royal Neighbors of America, and Athene Annuity.
  • Family First Life claims to specialize in mortgage protection, final expense, and universal life insurance but doesn’t provide any details about these policies online. 
  • Year Founded 2013
  • Kinds of Plans Mortgage protection, final expense, universal life
  • Number of Plans 3
  • Payment Options Varies by provider
  • Official Website


Family First Life is an insurance broker that works with nine reputable insurance providers to sell mortgage protection, final expense, and universal life insurance policies to individuals. They also sell fixed index annuities for retirement protection. We researched the financial strength and customer satisfaction ratings for Family First Life’s providers, the company’s online tools and customer service reviews, and available plans to help you compare the life insurance options that Family First Life offers. 

Company Overview

Family First was founded in 2013 by Shawn Meaike and is headquartered in Connecticut. The company serves more than 80,000 Americans per year who are seeking life insurance policies and annuities. Family First Life operates as an insurance multi-level marketing (MLM) business. That means that Family First Life agents get paid commission for every policy they sell and are also encouraged to recruit new agents to earn extra commission from their sales. 

The FTC generally warns against working with an MLM. While Family First Life is a legitimate business and not a pyramid scheme, its business model is nevertheless concerning. 

Family First Life is focused on acquiring new agents through MLM practices. Since agents work on commission, they might be motivated to sell you a policy even if it doesn’t meet your needs.

Available Plans

Since Family First Life is an insurance broker, the details of your individual policy will vary depending on the provider. However, Family First Life specializes in three different life insurance plans in addition to fixed index annuities. Note that details for none of the policies offered are available online and you will need to speak to an agent for information.  

Mortgage Protection Life Insurance

With mortgage protection life insurance, you pay level premiums, but the benefit decreases as you pay off your mortgage. Should you pass away while you still owe money on your home, the insurance provider will pay your mortgage lender the remaining balance. Your family will benefit because they’ll own your home outright, but they won’t get a direct benefit to help with other expenses. 

If you’re interested in this kind of protection, term life insurance offers more flexibility. 

Final Expense Life Insurance

Final expense life insurance is a whole life insurance policy with a small death benefit intended to cover funeral costs. However, beneficiaries can use the death benefit however they see fit. It’s much easier to qualify for than other types of life insurance, but also typically comes at a high cost considering the small face value. 

Universal Life Insurance

Universal life insurance is a permanent life insurance policy that accumulates cash value. Unlike whole life insurance, universal life insurance policyholders have flexibility with changing their death benefit and premium amount. You may even be able to skip a payment if there is enough cash value to maintain the policy. 

Available Riders

Insurance riders or endorsements allow you to customize your policy with added benefits or protection. For example, many policies include an accelerated death benefit that allows you to access some of the face value of your policy should you be diagnosed with a terminal illness. Other riders allow you to skip paying your premiums if you become disabled. 

Family First Life doesn’t provide any information about its available riders, which likely vary by life insurance provider. You’ll need to ask your Family First Life agent about customization options for your individual policy. 

Customer Service: Limited Options

To get a quote, you’ll need to fill out an online form to have an agent contact you. If you need assistance once your policy is in force, you’ll need to contact your agent directly. Family First Life does have a general phone number to call (860-787-8883) but does not list business hours. There’s also no online chat, which is common for life insurance providers, but you may be able to email your agent for assistance. 

Customer Satisfaction: Varies by Provider

Customer reviews about Family First Life are difficult to find. And because Family First Life is an insurance broker, it’s important to understand that your customer experience may vary depending on the provider that issues your policy. 

Here’s how Family First Life’s various providers stack up in terms of customer satisfaction ratings in J.D. Power’s 2020 U.S. Life Insurance Study and complaints with the NAIC. Any company with an NAIC complaint index greater than 1.00 has more complaints than expected for a company of its size.

Provider J.D. Power score out of 1,000 (industry average = 763) NAIC complaint index (industry average = 1.00)
Global Atlantic Not rated 3.15
Americo  Not rated  2.88 
AIG  742 
Transamerica  734  2.19 
Foresters Financial  Not rated  N/A 
John Hancock  737  384.11 
Mutual of Omaha  789 
Royal Neighbors of America  Not rated  1.96 
Athene Annuity  Not rated  19.89 

Before purchasing a policy from Family First, research the specific provider that will be issuing your policy, as measures of customer satisfaction vary between insurance companies.

Financial Strength: A (Excellent) or Better

All of Family First Life’s providers have a financial strength rating of A (excellent) or better from AM Best, which is a third-party rating agency that evaluates the financial stability of insurance providers. Insurance carriers with high ratings from AM Best are more likely to be reliable when it comes to paying claims in the future. 

Cancellation Policy: Varies

By law, insurance providers must provide at least a 10-day “free look” period, which means that if you cancel within 10 days of issuance, your paid premiums will be returned. In some states, the requirement is 30 days, so many providers allow you to cancel within 30 days or longer. The amount of time you have to cancel may vary by provider. After the free look period is over, your ability to get your premiums refunded will depend on the type of policy and provider you have. 

Price of Family First Life Insurance: Unknown

One advantage of using an insurance broker is that you’ll get rate estimates from multiple companies, and your agent can help you select the best and most affordable policy for you. The disadvantage is that you can’t get an instant online quote, so there’s no way to check your pricing without speaking to an agent. 

Since agents work on commission, they will almost definitely try to sell you a policy once they have you on the phone. Be prepared with a few quotes from other providers so you can make an informed decision when a Family First Life agent offers you a policy. 

How Family First Life Compares to Other Life Insurance

While Family First Life works with some reputable life insurance providers, the company itself operates as an MLM and lacks online tools, transparent policy information, and accessible support. It is instead focused on aggressively recruiting new agents. 

We compared Family First Life to two companies—Quotacy and Continental Life—that offer similar services but don't operate like an MLM.

Family First Life vs. Quotacy 

Family First Life and Quotacy are both insurance brokerages that work with top providers in the life insurance industry to provide competitive rates to applicants. However, there are some key differences between the two companies.

  • Quotacy allows you to instantly compare quotes from a variety of insurance providers online for term life insurance. You’ll need to speak with an agent to get a quote from Family First Life. 
  • Quotacy agents work on salary instead of commission and the company will never sell your information.
  • Quotacy has thousands of positive customer reviews on third-party websites. Family First Life reviews aren’t readily available online. 

Between these two companies, Quotacy is a clear winner because of its online tools and superior customer service. The company doesn’t operate as an MLM and pays its agents salary instead of commission, so you can trust that Quotacy agents have your best interest in mind. 

Family First Life vs. Continental Life

Continental Life by Aetna isn’t a brokerage like Family First Life, but the provider does offer final expense life insurance policies like Family First Life. It also has an A (excellent) financial strength rating from AM Best like most of the providers that Family First Life represents. However, there are several important differences between these two companies:

  • Continental Life provides more policy information online. For example, the maximum coverage amount for their final expense product is $35,000.
  • Continental Life had few complaints with the NAIC, while some of the providers that Family First Life works with had high complaint indices. 
  • Continental Life only offers a final expense policy, while Family First Life specializes in mortgage protection life insurance and universal life insurance as well. 

Though Family First Life has more coverage options, it provides very little information to consumers. Continental Life, on the other hand, is a reputable provider of final expense policies and offers some details online. However, you’ll still need to speak with an agent to get a quote. 

Read our full Continental Life review.

Final Verdict

For most people seeking life insurance, Family First Life won’t be the best option. The company operates as an MLM and agents work for commission. There are also few online tools and a lack of available policy information. If you want to use an insurance broker to compare quotes, there are better options available. 

Furthermore, most life insurance companies now offer their own instant online quote tools and some can even provide coverage without a medical exam. If you plan to get a quote from Family First Life, be prepared with estimates from other providers so you won’t be persuaded to purchase a policy before you’ve done your research.


All of our reviews of life insurance companies are based on extensive research and analysis of each company’s offerings, customer service, financial stability, cost, and more. For each company, we compared the life insurance products offered, as well as available features, and reported customer experiences. Visit our life insurance review methodology for the full breakdown of what we evaluated for over two dozen companies.