Family First Life Review (2026): What New Insurance Agents Should Know
On This Page
- Family First Life in One Minute
- How the Model Works
- Costs New Agents Face
- Lawsuits and Allegations
- Questions to Ask Before Joining
- Alternatives
- Understanding Commission Advances and Chargebacks
- Is Family First Life Legit?
- Pros and Cons
- Who It Might Suit
- Our #1 Recommendation for Making Money Online in 2026
- Other Reviews Readers Compare
- Frequently Asked Questions
- Our Verdict on Family First Life
Family First Life in One Minute
Family First Life (FFL) is an insurance marketing organization founded by Shawn Meaike that recruits independent agents to sell life, mortgage protection, final expense and health insurance. It's affiliated with Integrity Marketing Group, a large insurance distribution company, and has grown through many regional agencies.
FFL agents are independent contractors paid on commission. A common feature of this model is that agents buy leads to find clients, which can be a significant expense. Agents can also build teams and earn overrides on their recruits' sales. Lawsuits over marketing robocalls have been filed against FFL and related parties, with some settled.
| Company | Family First Life |
|---|---|
| Founder | Shawn Meaike |
| Affiliation | Integrity Marketing Group |
| Sells | Life, mortgage protection, final expense and health insurance |
| Agents | Independent contractors on commission |
| Common expense | Buying leads |
| Legal | Robocall lawsuits filed, some settled (reported) |
How the Model Works
- Get your state insurance license.
- Join an FFL agency as an independent agent.
- Buy or receive leads and contact prospects.
- Sell policies and earn commissions.
- Optionally recruit agents and earn overrides.
Costs New Agents Face
| Item | Notes |
|---|---|
| Licensing | Course, exam and state fees |
| Leads | Often the biggest ongoing cost |
| Errors and omissions insurance | Often required |
| CRM, phone and travel | Varies |
Because lead spending comes before commissions, new agents can lose money early. Ask exactly how leads are priced, whether they're exclusive and how quickly you're paid.
Lawsuits and Allegations
Several civil lawsuits have alleged that marketing calls connected to FFL violated robocall rules, and some have been reported settled. Other allegations, including about the compensation structure, have been reported by industry watchers but are unproven. When considering any agency, search your state's court records and check complaints with your state insurance department.
Questions to Ask Before Joining
- What do new agents spend on leads in their first three months?
- What do typical agents earn after lead costs in year one?
- Are commissions advanced, and what happens if policies lapse (chargebacks)?
- How much emphasis is on recruiting versus selling?
Alternatives
Compare agencies that provide leads or salaried training programs. If you'd rather build your own lead flow, tools like GoHighLevel for follow-up automation and CallRail for call tracking are what many independent agents use.
Understanding Commission Advances and Chargebacks
Many insurance agencies pay agents an "advance": a large part of the first year's commission paid soon after a policy is issued. If the client cancels or stops paying within a set period, the unearned part is charged back against future commissions. New agents can see strong early numbers that later shrink if policies lapse.
Before joining any agency, ask how advances work, how long the chargeback window lasts and what happens to your balance if you leave. Policy quality and good client fit matter more than volume.
Is Family First Life Legit?
It's a real insurance marketing organization affiliated with a major distributor. But lead costs, commission-only pay, recruiting and the reported lawsuits mean new agents should go in with clear numbers.
Pros and Cons
What Stands Out
- Real insurance products and carriers
- Large organization with training
- Independent schedule
What to Weigh Up
- Lead costs can be high
- Commission-only income
- Recruiting emphasis
- Robocall lawsuits reported
Who It Might Suit
Licensed or soon-to-be-licensed agents with savings to cover lead costs while they learn to sell.
Our #1 Recommendation for Making Money Online in 2026
If Family First Life isn't the right fit for you, here's what we suggest instead.
After comparing hundreds of programs over the years, we know what works and what doesn't. In fact, most of the business opportunities are either instant cash grab schemes or scams or they require experience. However, this beginner-friendly system stood out and is our #1 recommendation for 2026.
Other Reviews Readers Compare
Frequently Asked Questions
Who Founded Family First Life?
Shawn Meaike.
Is Family First Life an MLM?
It's an insurance marketing organization with recruiting and overrides, which critics compare to MLMs.
Do FFL Agents Pay for Leads?
Buying leads is common in this model; ask your agency for exact costs.
Has Family First Life Been Sued?
Robocall lawsuits have been reported, some of them settled.
Our Verdict on Family First Life
A legitimate agency with real costs. Know your lead budget and break-even before joining.
Looking for a Better Starting Point Than Family First Life?
Consider our #1 recommendation for making money online in 2026.