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Family First Life Pyramid Scheme: Best Insurance MLM?

By: JosiahDec 11, 2023Network Marketing
Family First Life Pyramid Scheme: Best Insurance MLM?

Life Insurance is one of those necessary things that all of us hate pay for... until we need it.

Let's face it!

None of us want to be put into a financial bind over damage to a vehicle, a home fire, or the sudden loss of a loved one.


Because, those expenses aren't cheap and having insurance helps to offset that burden... but premiums can also be a burdensome.

But, the simple fact of the matter is that Life Insurance is a business... and they're in business to make money.

After all, most most life insurance companies take at least a year to get out of the red and into the black, and plenty of companies never even take off altogether.

Every entrepreneur aspires to build a successful business – you know, a business where product sales continually flow out, revenue grows, and profits climb sky-high.

However, according to Forbes, 80% of businesses fail.

Family First Life, a MLM-style life insurance business owned, is offering to help people to be in the forefront of making passive income by becoming an insurance broker.

It’s innovative because it allows you to become one of their independent agents without performing any of the heavy work. There’s not even a need to guess what niche you should pursue in your new business.

There is no order tracking or delivery of product purchases. There is no need to find the best strategies. There is no need to draw in traffic. There will be no trial and error, only proven methods.

But is any of it true?

Let’s find out.


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

  • Wide range of partner carriers
  • Clients have various terms to choose from
  • Claims to pay agents better than other companies
  • You have to pay for leads
  • Info on policies is vague
  • These kind of gigs can hurt friends and family

Why Listen To Us

My name is Josiah, and this is my Dad, Joel.why listen us

Together, we make up the team here at Scamrisk.

If you’ll let me bother you for two minutes, I’d like to quickly explain why I’m even here writing this review.

In early 2020, I had just graduated from college & had no real career prospects.

I knew I was destined for something more, but I had no clue how I was going to make it happen.

I had this sinking feeling in my gut all the time… like the “big man upstairs” had accidentally given me the version of life where I’d be mediocre forever, instead of the one where I was, ya know – happy & fulfilled.


I had fiddled around with some different online businesses in college:

Some random MLMs, a bit of affiliate marketing, a (failed) dropshipping store or two, all the usual suspects.

Even my dad had been involved in MLMs back in the day… selling knives & other random nonsense people (probably) didn’t need.

All I really wanted was to find something that was going to actually work for me.

Maybe those things had worked for others, but for me it all turned up a fat “0” in the bank account department.

So I searched! And searched… and searched… and searched…

And eventually, I somehow stumbled upon a program that promised to help me build an income online (read about it here if you’re curious).

I didn’t really want to be “rich”.

The thought of making a reliable $5K per month & not having to worry about clocking in to a 9-to-5 ever again was all I needed.

Sure, there were people in the program doing high-6 and low-7 figures per year… but that wasn’t what I was out for.

I just wanted to provide freedom for myself, and if I was lucky, take my family along for the ride.

Fast forward a few days and a few phone calls & I was enrolled!

Here’s the first “money making website” I put up:

why listen us gif

I built that site in 2020, and it still makes me $1,500 per month. It’s a basic 5 page website I built based on a template the program provides.

The best part to me? My dad and I get to do it all together!

So between the:

  1. Ease of reaching $5-$10K per month in income online

  2. Straightforward-ness of the system to do it

  3. Fact that I get to do it w/ my family

Is why I recommend local lead generation as my #1 business model for making money online.

Sure, it takes some work and dedication – but anyone that tells you that there’s a business out there that requires no work is selling you a lemon.

I’m not saying you need to sign up for the same program I did, but I would definitely recommend giving the business model a peek!

What Is Family First Life?

Family First Life What Is Family Fist 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 also has a Multi Level Marketing division that pays commissions to sales agents for policies sold.

FFL is also 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.

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

Who Runs Family First Life?

Family First Life Shawn Meaike

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 FFL.

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

How Can Family First Life Help Protect Your Family?

Family First Life Help Protect Your Family

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 insurance plans to help provide families with the stability and security they need, including...

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.

Frequently Asked Questions (FAQs)

FAQ Frequently Asked Questions

How Does Family First Life Contact Homeowners?

Like most life insurance providers, 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?

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

How Much Does Family First Life Cost?

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.

And the leads will set you back every time you need someone new to call, and you’d better hope they’re not cold.

How Do I Cancel My Policy?

If you're looking to discontinue your insurance plan with Family First Life, you should reach out to an insurance professional or get in touch with their customer support at 860-317-1324.

A majority of insurance providers offer what's known as a "free-look period," which permits you to terminate your policy and receive a complete refund of all the premium payments you've made, without incurring any extra charges or penalties. The duration of this period can differ depending on the company, typically lasting for a minimum of 10 days, but it can extend up to 30 days in some cases.

Take Transamerica, for example. This company, which partners with Family First Life, provides a 10-day free-look period. You can use this time to cancel your policy for any reason you see fit. However, if you decide to cancel after the free-look period has elapsed, you might face surrender fees that are deducted from the cash value of your policy.

Is Family First Life A Pyramid Scheme?

Is It A Pyramid Scheme

No, Family First Life is not TECHNICALLY a pyramid scheme.

Yes, 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.

However, we still have some major concerns.

What Does The Internet Have To Say?

What Does The Internet Have To Say

Let's take a look at what some people on Reddit have to say about Family First Life.

"I’m not considering joining, however! A friend of mine works for FFL and today after they posted something about it, I decided to follow the link and I realized it’s set up like an MLM similar to Primerica or something. But now I’m confused because they always talks about their “boss” and how many hours they work, and they even utilize childcare during those hours they are “working”, which is 20 hours a week. That seems pretty intense for just recruiting? The funny thing is that during past conversations they’ve mentioned a family member being involved in a “pyramid scheme” (their words) so I thought clearly they knew one when they saw one. Is there more to the job than just recruitment? What are they doing for 20 hours a week????"

Here are a few replies...

"I don’t know much about them, but I will say that the fact that their website mainly talks about what it’s like to be an agent and what the “truth” about their company is, is a bad sign. If they were legit, their website would try to sell you insurance, not sell you on becoming an agent.

But like I said, I don’t know much about them. Good luck!" - farfetchds_leek

"not to be a broken record but take a squiz at the ffl posts in this sub theyre really helpful! Its 110% an MLM. We’ve got a lot of key attributes that make it helpful for us to easily identify an mlm, but sometimes it just isn’t obvious and instead of looking at recruiting vs selling you have to look at the basic business structure. They operate pretty aggressively as an mlm they just aren’t your average beach body or monat huns. It’s really smart tbh, sort of like how to think about primerica you’d go “oh? how could that possibly be an mlm?” until you look properly and it very clearly is." - uhuhoneyville

"I used to work for FFL on staff at one of their offices. There are good folks and there are some bad folks. However, they’re most definitely an MLM. Always focused on recruiting, growth, and writing business no matter what. Some people are successful working as an agent, and many lose a LOT of money paying for leads. Not sure what this info is worth, but i hope it helps someone." - RevolutionaryRice888

I wasn't able to find anything comments on Trustpilot or the BBB... however, the company does have an A+ rating with the BBB and it has been accredited sine 12/21/2022.

Is Family First Life A Scam?

Scam or Legit

So, is it a scam?

No, even if people online are saying otherwise.

You can make money with this program, but building a successful business is definitely not as easy as they make it sound.

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 being forced to grind it out for another 9 months before seeing any “real money,” well…that’s not a great deal, is it?

Reminds me of those other God-forsaken MLMs many of us have experienced…all hype and no substance.

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 Leasing.

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

Your laptop and an internet connection are 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 laid out on gorgeous white sands
  • A small villa in the Mediterranean

TESTIMONIAL - Saying Goodbye To Our Jobs

These people are 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 Leasing.

Are There Alternatives To Family First Life?


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

Our Top Recommendation For Making Money Online In 2024?

Digital Leasing

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 Leasing is the #1 online business model for entrepreneurs.

Whether you’ve never made a dollar online, or you’ve been in this space for a while but never really “made it,” Digital Leasing is probably your best bet.


Frankly, I don’t think you can afford to make the wrong choice when it comes to your career in this day and age.

Have you seen inflation lately? You know, that thing where your money is worth less but your costs of living keep rising? You must find a way to overcome this strain on your financial life, and you can’t rely on others to do it for you.

“Relying on others to do it for you”…where have I heard that before?

Oh yeah, it’s FFL’s entire business model. Not good.

Whether you’re a man sick of living an average life, or a single mom seeking a new stream of income in order to stop the cycle of barely getting by…it seems clear to me that Digital Leasing is a great option to take control in today’s economy.

Let’s dig into the details:

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 Leasing 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:

When you sell insurance, you don’t own anything. With FFL, you REALLY don’t own anything.

You don’t own the sales platform, you don’t own a brand, and you don’t own the customers.

So…are you comfortable trusting these guys with your livelihood?

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

TESTIMONIAL - Feeling Blessed

3) Little To No Startup Costs:

It’s possible to get into Digital Leasing 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.

That said, I’m not going to lie to you and say you’ll never have to put any work in. That’s a red flag. You don’t get anything for free in this life…however, you can absolutely put work in up front that frees up your time and lifestyle as you stack success.

That’s the life-hack to sitting back and watching money roll in.

Even without getting paid in advance, you can have your first Digital Rental Property up, running, and generating profits for a much more efficient investment than MLMs – or even worse, taking out student loans.

TESTIMONIAL - Lance Lead Gen

4) No Wasted Time:

As mentioned above, spending tons of hours every day selling insurance and friends and family is a huge time commitment.

Plus, you constantly need to be buying leads if you want to maintain your business.

You need to spend even more money if you want to scale up. With MLMs, you’ll always have limits on your time and freedom.

With Digital Leasing, a 100% online business, you never have to worry about that.

TESTIMONIAL - Scott Lead Gen

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.

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.

How does it get easier?

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

If you wanted to double your income with FFL, you’d have to double your time investment OR your profit margins. And it doesn’t take a rocket scientist to figure out 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. FFL is a decent way to make yourself money, but it doesn’t improve anyone else’s lives.

After all, there’s always someone else selling life insurance. That might be fine in the short term, but in the long run you may feel like you’re missing a purpose.

Don’t even get me started on MLMs, where your friends and family become the product…I’m sure many of you reading have been through that sort of “bait and switch” nonsense before.

You know the type – they promise a living wage, then you’re only on commission for a sketchy product.

With Digital Leasing though, you’re actually helping people by solving your clients’ biggest problem:

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

You make money by helping them make money.

Not some 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 Leasing makes a real impact in the lives of real people, you’ll see what I mean.


Now, the choice is yours. You could continue browsing, looking at opportunities like Family First Life MLM which could one day make you money…

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, you’re joining a community of over 2,000 successful students that are living life on their own terms thanks to Digital Leasing.

A consistent, reliable, semi-passive stream of income that doesn’t depend on you or your time to keep producing profits? It’s as good as it sounds.

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 Leasing.

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