Family First Life MLM Reviews (2022 Update): Best Life Insurance MLM? Maybe… But #11 Raises Some Eyebrows!

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Updated: August 30

By: Scam Risk - Expert Reviewer

Family First Life Review, Explore To Know More!

Family First Life MLM Review: Introduction

Whether you are looking for an insurance plan, or looking for an opportunity to make money online you have landed at the right page.

Let’s look into Family First Life MLM, I might be able to answer your questions.

See if Family First Life MLM is for you!

But before we get into the details… 

This Family First Life MLM review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Table of Contents

Pros: What I Liked

  • It has a wide range of partner carriers.
  • Its clients have various terms, insurance plans, riders, and coverage to choose from.
  • It values its clients and agents.
The Good

Cons: What I Didn't Like

  • It mainly focuses on agent recruitment.
  • The information on available policies and carriers is too little.
  • The plans are not eligible in all areas.
The Bad

Family First Life MLM: Overview

Chances are you heard about Family First Life MLM because someone – a friend or family member – introduced you to the company. Maybe you attended an online workshop or webinar, or maybe an in-person information session.

Your head’s probably spinning. This might be the first time you’ve heard about a real way to make money outside of a typical job.

So first off, congratulations!

You’ve just entered a whole new world…the world of making money on your own terms.

However, you came in through the wrong door.

Because Family First Life is – plain and simple – an MLM. Throw whatever fancy name you want on it…multi-level marketing (MLM), network marketing (NWM), direct sales, or anything else, it’s the same concept:

You pay some money upfront for the “opportunity” to sell products.

The products are typically low-quality but with high price tags (because fancy labels and stuff).

You’re told that the key to building your own successful business is selling these products to friends and family, and getting them on a subscription (so you get “monthly recurring revenue”).

Unfortunately, like most people who get taken in by these types of schemes, you’ll quickly discover that the well runs dry faster than you imagined.

After all, they make it sound really simple. “Just get 5 people you know onto this magic widget, and things will just grow from there.”

And in your head, you think “How hard can it be? I know plenty of people, 5 will be easy.”

But then you do it, and you realize people look at you like you’ve joined a cult. You’ve become “that person”, who joined an MLM, and is now trying to sell questionable products or services to everyone they meet.

It puts a strain on your relationships, and you end up stuck between two worlds.

But it’s not your fault. These companies spend millions of dollars each year figuring out exactly how to brainwash and recruit people. And that’s why we’re here.

To help you find a better way before it’s too late.

passive income

So, what if there was a way you could build a passive income stream that’s actually passive?

An income stream that doesn’t require:

  • Inventory
  • Selling to friends and family
  • Selling to strangers
  • Recruiting people
  • Dealing with questionable products that weigh on your conscience

An income stream that brings in consistent revenues every single month (from a couple thousand dollars to well over $10,000)?

An income stream you could actually build in your spare time, and grow as large or as small as you want to, without having to spend hours a day chasing, selling, or managing anything?

If that sounds like something you’d be interested in, check out Digital Real Estate. 


This is nothing like MLM, and that’s probably a good thing.

However, if you’d still like to know more about Family First Life, keep reading.

What Is Family First Life?

Family First Life is a life insurance company specializing in selling mortgage protection products to American homeowners. Additionally, it offers universal life policies, final expense life insurance, and retirement protection.

Family First Life is an Insurance Marketing Organization, which means that it does not offer its life insurance policies. Rather, it is partnered with top insurance carriers to provide multiple options of life insurance policies to its clients.

Smart, isn’t it?

What Is The Operating Model Of Family First Life?

Family First Life is under the Multilevel Marketing (MLM) insurance company business operating structure.

Family First Life urges agents to operate their lead system and build their team, the same multilevel marketing that other MLM life insurance companies use.

Who Founded Family First Life?

Shawn Meiake, Founder of Family First Life

Shawn Meaike is the brain behind the life insurance company Family First Life, which he brought into the life insurance industry in 2013. Currently, he is the president of Family First Life.

He founded the company to improve people’s lives by protecting their families.

How Can Family First Life Help Protect Your Family?

Protecting Families With Family First Life

Family First Life claims to be passionate about putting families first. Thereby, their company name is not just a name; it’s their entire identity.

It has available insurance plans to help provide families with the stability and security they needed.

1. Mortgage Protection Life Insurance

This insurance protects your home, one of your most valuable assets, when you pass away.

2. Final Expense Life Insurance

This is a permanent life insurance policy designed to cover your funeral expenses.

3. Indexed Universal Life Insurance

This is permanent life insurance that allows you to accumulate cash value in addition to your death benefit.

4. Fixed Index Annuities

This insurance is a safe way to keep your retirement secured.

What Are The Riders Offered By Family First Life Carriers?

Family First Life insurance providers have riders. It is an optional insurance endorsement that you can add to your policy.

Here are some of the most usual riders offered by Family First Life carriers:
1. Accelerated Death Benefit
2. Rider Chronic Illness Rider
3. Terminal Illness Rider
4. Disability Waiver of Premium
5. Accidental Death Benefit
6. Child Term Rider
7. Return of Premium

These riders will help you modify your coverage to fulfill your needs.

Pretty helpful, aren’t they?

How Does Family First Life Contact Homeowners?

Like most life insurance companies, Family First Life sends direct mail to people who have recently bought a new home, recapitalized a home, been approved for a reverse mortgage, or been accepted for a Home Equity Line of Credit (HELOC).

Let’s say you’re the homeowner. When you return the mortgage protection letter or answer a telemarketer call, your information gets recorded in a Customer Relationship Management (CRM) software and is called a “lead.”

What will they do with the leads?

Remember that Family First Life allows its agents to work with qualified mortgage protection leads, final expense leads, and annuity leads to gather potential clients.

Meaning Family First Life sells the leads to their agents, who will contact you directly with the information you provided.

How Much Do Family First Life Agents Make?

Family First Life Agent Salary

If you are wondering if you can make money in Family First Life as an agent, you must read this!

The annual salary of a Family First Life agent is approximately $115,822, which is 84% compared to the national average.

Remember, though, that the salary will differ based on your level and rank as an agent.

How Much To Join Family First Life?

Now that you already know the estimated salary of a Family First Life agent. You might want to know how much is it to join to be one.

Contrary to other MLMs that will require you a bunch of fees, you could join to be a Family First Life agent for FREE. Plus, you don’t have a contract here.

Since you don’t have a contract, you can get a release within 24-48 hours when you decide to leave to look for new opportunities.

The thing is, you need to be a licensed agent first before you get to sell life insurance policies. Meaning you have to take licensure exams that could cost you around $200 or more.

Is Family First Life A Pyramid Scheme?

Is Family First Life Another Pyramid Scheme?

Let’s cut to the chase; Family First Life is not a pyramid scheme.

Indeed, the majority of your income will come from advancing in ranks through recruitments, but it’s not your only source of income here in Family First Life. Thus, it is not a pyramid scheme.

However, like most MLMs that focus on acquiring new agents and clients, there must be something concerning about Family First Life.

Is Family First Life A Scam?

Is It A Scam

Family First Life is not a scam. Family First Life is a legit insurance company that offers mortgage protection products and provides MLM opportunities.

As of 2020, Family First Life already has 17,000 licensed agents all around the United States, and as we speak, it certainly keeps growing and growing. Additionally, Family First Life is accredited by the Better Bureau Business (BBB) with an A+.

So, is So, is Family First Life a scam?

Not technically. You can make money with this program, but it’s definitely not as easy as the company makes it sound.

There’s a ton of work to be done upfront, no real guarantee of success, and – most importantly – the actual commissions are pretty small.

Now, there’s nothing wrong with front-loading the work and making the money later.

But if you’re grinding it out for 3 months and then your reward is a $50 commission, it’s not really worth it.

What if, instead, you could do that same 3 months of work (in your spare time), and your reward was a $500 to $2,000 payment that came in every single month?

And what if you actually didn’t need to wait 3 months? What if you could get started today and have your first payment in a week?

And what if you could double it next week?

Well, that’s the power of Digital Real Estate

And, unlike an MLM, you can legitimately do this from anywhere. It’s a true lifestyle business.

Your laptop and an internet connection is all you need.

Some of the most successful students in this program run their entire 6-figure businesses from:

  • A camper in the middle of the woods
  • A beach chair on the water in Mexico
  • A small villa in Greece


They’re able to travel around, living their lives first, and focusing on their income second.

Because even if they stop working for an extended period of time, the money keeps coming in.

So adventure, memories, and experience are the top priority.

And they never have to worry about how to pay for the next trip, or consider asking for time off.

If this sounds more like the type of life you want to lead, just click here to find out more about Digital Real Estate.

Are There Alternatives To Family First Life?

are there alternatives

Yes, there are plenty of MLM companies to choose from if you want to pursue this business model.  Here are just a few:

What Is My #1 Recommendation To Make Money Online In 2022?

Digital Real Estate

Our review team has spent months researching, reviewing, and vetting dozens of business models and thousands of programs.

While there may be no “perfect business”, the research IS conclusive:

Digital Real Estate is the #1 online business model for those just starting out.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Real Estate is for you.


1) It’s Flexible: got an hour a day? You can do this. Ready to drop everything else and dive in full time? You can do this. Yes, the more time you put in, the faster you see results. But even with a little time each day, you can move the needle in a Digital Real Estate business.

And because this system is so flexible, you don’t have to constantly be working to make more money. It’s called PASSIVE INCOME because if you stop working, the money doesn’t.

Imagine taking 3 months off to just tour around Europe, rent a cabin in the woods to write a book, hike the Appalachian Trail, or live on the beach and surf all day.

This is only possible if you have an income stream that’s not tied to your time.


2) You Own & Control EVERYTHING: With MLMs and Network Marketing, you don’t really own anything. You have no control over the quality of products. You don’t even own your “team”.

Look at the fine print for most of the agreements folks sign when they join one of these companies. At any point, the company can change your commission structure, reduce your profit margins, or kick you out entirely.

With Digital Real Estate, you own the assets, which means you have all the power and all the control.


3) Little To No Startup Costs: It’s possible to get into Digital Real Estate with zero dollars upfront. Because, using the strategies outlined in this program, you can get a client to pay you BEFORE spending a penny out of your own pocket…even before you do any work.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for less than $100.


4) No Inventory: Alright, so most MLMs don’t make you buy the products and fill your garage with them anymore (unlike the good ol’ days), but you’re still in a physical products business.

And physical products always have physical limitations. Even if you don’t have to manage the inventory, you still have to deal with supply chain shortages that cause major delays.

Imagine finally landing your first customer, and then losing them after one sale because they had to wait 6 weeks to get their order.

With Digital Real Estate, a 100% online business, you never even have to think about that risk.


5) Easy To Duplicate: Ok, here’s the best part: once you have your first Digital Rental Property up and running, you can literally DOUBLE your income with a few clicks, a couple keystrokes, and a single phone call (and you don’t actually need the phone call).

Remember: each Digital Rental Property is worth $500 to $2,000 a month in semi-passive income (over 95% profit). Every time you decide to create another one and increase your income, it gets easier.

Because you have more knowledge, more experience, more results, and more momentum.

If you wanted to double your income with an MLM, you’d have to double your customers OR double the average order size of your existing customers. And, guaranteed that’s a lot harder than a few clicks and a few minutes of your life.


6) Make Money Helping Real People: This part is what makes it all worth it. In an MLM, your “upline” might convince you that what you’re selling improves people’s lives, but deep down, you likely know that’s not true.

Most of the time, you’re either selling a dream or a poor-quality, overpriced product with a fancy label.

And that makes it pretty hard to sleep at night.

But with Digital Real Estate, you’re actually helping people by solving your clients’ biggest problem:

Small, local businesses need more customers, and with Digital Real Estate, you are unleashing a flood of happy, paying customers for these businesses.

You make money by helping them make money.

Not a big, faceless corporation either…a small business owner who’s using that money to put food on the table for their family, start a college fund for their kids, or take care of a sick parent.

Once you see how Digital Real Estate makes a real impact in the lives of real people, you’ll sleep like a baby with a big smile on your face.


Now, the choice is yours.

You could continue browsing, looking at opportunities like Family First Life which could one day make you money.

You could continue researching, never making a decision.

OR, you could take a look inside, consider what you really want, and join a program that makes your dreams a reality. At the same time, joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Real Estate.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits.

All while genuinely helping real people who are grateful and happy to pay for it.

If this sounds more like what you want out of life (or if you just want some nice side income), click here to learn more about Digital Real Estate

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