Family First Life Insurance Review

Christian Worstell
In this article...
  • Discover what life insurance products Family First Life sells and how its business model works, including what online reviews say and the pros and cons.

Family First Life Insurance helps customers find suitable life insurance coverage from various third-party carriers. Purchasing insurance through a Family First Life Insurance broker can help you find a policy to meet your needs, but the company's business model won't suit everyone. Below, you can find out what products Family First Insurance sells and whether its services are right for you.

About Family First Life Insurance 

Family First Life is an insurance broker, which means it doesn't sell its own life insurance policies. Instead, it partners with various carriers to match customers with the right coverage for their needs. Prospective customers can find a self-employed Family First Life Insurance broker to explore life insurance options through the company website. 

What Life Insurance Options Does Family First Life Offer?

Family First Life Insurance partners with several well-known insurers, including Americo, Transamerica and Mutual of Omaha. Policy benefits and coverage depend on which carrier you purchase your life insurance from. Still, the wide range of carriers means that there should be an option available to suit most people. 

Family First Life doesn't hold a National Association of Insurance Commissioners (NAIC) complaint rating because it isn't an insurance provider. Therefore, it's vital to perform due diligence and check the financial strength of the companies suggested to you before you purchase a life insurance policy through a Family First Life Insurance broker. 

Term Life Insurance

Family First Life Insurance brokers sell a range of term life insurance products through its partner carriers. Term lengths vary, but you can generally expect terms between 10 and 30 years. This policy type pays a death benefit if you die during the policy's term and is usually the most affordable form of life insurance. Some providers allow enrollees to renew their policy or convert to permanent life insurance at the end of the term.

Whole Life Insurance

Whole life insurance provides lifelong coverage as long as you stay current on payments. Therefore, your policy pays a guaranteed death benefit no matter when you die. Your policy includes a cash value account that accumulates interest value. Some insurers require enrollees to pay premiums throughout their life while others allow customers to spread premiums over a set period. 

Universal Life Insurance

Universal life insurance policies provide permanent coverage if you maintain your premium payment schedule, and they are similar to whole life products. However, universal life insurance may allow you to adjust your premiums and death benefits. You may also be able to use the cash value attached to your account to cover your premiums if it earns enough interest. 

Final Expense Insurance

Final expense insurance is sometimes known as burial insurance. It pays beneficiaries a guaranteed death benefit to cover end-of-life medical bills, funeral expenses, and burial or cremation fees. However, beneficiaries aren't usually restricted to using the benefit for end-of-life costs and can use the money for any purpose. Family First Life Insurance carriers offering final expense insurance are unlikely to require a medical exam, making these policies easy to purchase. 

Mortgage Protection Insurance

Mortgage protection insurance policies are usually term plans. They pay the outstanding balance on your mortgage if you die during the policy term to protect your family from financial hardship, and coverage ends at the end of the policy term. 

The Pros and Cons of Family First Life

The primary advantage of purchasing life insurance through Family First Insurance is its wide range of partner carriers. Customers have access to a diverse range of terms, whole life and universal life plans, and choosing from multiple providers means you can select a policy with the riders and coverage you need. Most of First Family Life's partner carriers are financially strong, but you should check each company's reputation before committing. 

However, Family First Life operates a multilevel marketing (MLM) business model. Therefore, its company website focuses mainly on agent recruitment, and there's little information on the policies and carriers available. Which plans are available to you depend on your area, so you may not be eligible for every policy.

Family First Life Reviews: What Are Customers Saying?

There aren't many customer reviews for Family First Life because of its status as a broker. Most online reviews are from agents discussing their experiences working for the company. However, several of the available online reviews say that their Family First broker was attentive and knowledgeable. Customers also appreciate receiving swift answers to their life insurance questions. 

However, some customers mention that their broker used pushy sales tactics, and one stated that it was difficult to cancel their sales appointment. Overall, it appears that customer experiences depend on which independent broker handles their inquiry.

Is a Family First Life Insurance Policy Right for You?

Purchasing a life insurance policy through Family First Life could be a good option for you if you want access to a wide product range and the opportunity to discuss your insurance needs with a broker. Most of Family First Insurance's partners have a strong industry reputation, so your broker can help you find a policy with a reliable company. However, you may prefer to purchase directly from an insurer if you don't have a Family First Life Insurance agent in your area or aren't comfortable with the company's MLM structure. 

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

Read More
Serious couple reviewing medical bills
Learn what guaranteed issue life insurance means and how it can help cover final expenses even for ...
A father and adult son embrace and walk on the beach
A long-term care rider adds supplemental coverage to your life insurance plan to pay for costly long-term ...
Woman and adult daughter embrace and smile while sitting on home front steps
Universal life insurance is a type of permanent life insurance. Find out more details about universal ...