Join FFL

This is to answer any questions you have about the company, learn about you, and where to go next from here.

It will either be decided that more research needs to done before we make a decision or we will pay for your state courses and see if getting licensed is realistic for you.

What is a FFL Agent?

We are Life Insurance Brokers. We buy leads and book appointments via zoom or in-home with families requesting coverage to prepare for the event of a loss. We figure out their financials, health, and what needs to be protected. We write the policy, send it to the insurance carrier, and then get paid!

Our company is based off 3 things.

Must be good for the Client

Must be good for the Agent

Must be good for the Company

In that order.

The Client:

If you and a family were sitting down and you looked down their street where 15 other homes are, would you agree that every family on that street would be the same?

All families have different needs. Since we're brokers we don't work for the Insurance Carrier, we work with 15+ carriers. This means we're working for the client. We're able to compare all products for the best price to fit them specifically.

The Agent:

You are the Agent. If you are not familiar with the Insurance field, the majority of companies will have your manager take 70% of your commissions and give you 30%. That means someone is sitting around while you're doing all the hard work and collecting over half your pay.

Our company decided whoever is doing the most work should get paid 100% of their commissions, not the guy who did it 7 years ago.

The Company:

You can't do anything to hurt the company. What we mean by this is you can't hurt the client nor other agents. You have to be a stand-up person who genuinely wants to help families and others. This is not for someone who only wants personal gain.

Because Numbers Don’t Lie!

This is just what some of our agents deposited!

FAQs & Common Misconceptions

How is this different from any other insurance company?

Everyone Else

Compensation: 25-60% starting. Max out at 100-110%. Sell a policy at 40% commission for $1200, you’d make $480 and your manager would keep $720. Hmm.
Agent Average Income: $43,000
Training: None at all or a hoorah of showing off what they’re able to afford. Plus you pay for it.
Trainers: Haven’t been in the field in years or have never been in the field.
Leads: None, free leads that are shared among the entire company. Or even worse, they make you sell your family and friends.
Fees: Initially or monthly to stay with them.
Contract: Say your independent, but tell you to not work with other companies or hold your contract for 6 months after leaving.
Renewals: You have to work there for 5-10 years before you get them and if you leave before then, they keep it.
Schedule: Sit in the office from 9-5.
Licensing: Pay for everything to get licensed with the state.
Weekly or Bi-Weekly Pay
Carriers: Few or one. Hard to get coverage with little options. Closing will be hard.
Recruiting: Will make you recruit everyone you know before you even start. They rely on recruiting heavily because thats how you and them will make majority of income.

Family First Life

Compensation: 100-110% starting. Max out at 145%. Sell a policy at 100% commission for $1200, you’d make $1200.
Average Agent Income: $115,000
Training: Free Trainings. In-Office, Youtube, Facebook, Zoom, Spotify + More) 1 on 1 mentoring as well.
Trainers: Only active $20K+ Producers are allowed to train.
Leads: Work with 15+ different lead vendors in order to get low cost & high quality leads.
Fees: 0 fees. Yes, completely 0.
No contract. Leave when you want.
Renewals: Day 1, if you decide to stay or leave.
Schedule: Take off when you want and need to. Want to work 80 hours? Great! Want to work 10 hours a month? Great. Just glad to have you here!
Licensing: WE Pay for your training with the state to get you licensed. You pay the state for your exam and application.
Daily Pay: straight from Carriers to your Bank Account within 24-48 hours. NO MORE Bi-weekly check!
Carriers: 20+ A Rated carriers. Never leave a family unprotected. Even if they’re in poor health or have a low budget!
Recruiting: No Recruiting required. You will do well writing by yourself, but you’re more than welcome to add onto the team!

Is this a Pyramid Scheme?

Pyramid Scheme

Fees to join or monthly fees to be apart of the company
Individuals buy products upfront to sell
Majority of income is made off recruiting, not products sold
High ROI usually at 30% compared to the National Average of 5-6%
No genuine product or service is sold
No proof of revenue from actual sales

Family First Life

No fees. Again it’s 0! As it should be.
The products are given to you by the insurance carriers.
Majority of our income is made by helping families and being in the field. We do make 10% of what an agent SELLS. We are not compensated for all the time we spend training you. If we train you and you sell your first policy at our average of $1200, we would get $120. Sounds fair.
Minimum ROI is 3-5X of what is put into leads.
Genuine products and service. We only reach out to individuals requesting to be serviced and find a product fit for them.
LOADS of proof of income with bank statements, deposits, commission receipts, and tax returns.

How much is it to get licensed?

On average, $150. You can look it up on your states department of insurance website. We pay for your licensing courses, but you’ll have to pay the state for your examination and background check.

The insurance carriers require you to have Errors & Omissions insurance. You can compare this to malpractice insurance for a doctor. You can start without this but eventually they will ask you to get this in place to continue writing their products. You may look up the prices for this. Typically its $31 a month.

Do I have to buy leads?

No! You can get leads however you’d like. We know not everyone is able to buy leads from the jump. There’s options. Leads are key in this business. It makes it a lot easier when we buy them and are able to get them the service they requested. People making $20K+ a month are buying leads because they know they’ll produce well.

REAL PEOPLE.

REAL NUMBERS.

REAL RESULTS.