Family First Life FFL Review | Trust Score & Ratings

Founded2013

HeadquartersWest Hartford, CT

Trust Score80/100

About Family First Life FFL

Family First Life FFL is a network marketing company specializing in term and indexed universal life insurance. Founded in 2013 and based in West Hartford, CT, it offers independent distributors a chance to earn through retail sales and team-building.

The business model features a Forced Matrix compensation plan, which allows distributors to progress through ranks by increasing sales volume. However, be aware that income disclosure shows a concentration of earnings among top earners, and there are monthly purchase requirements to qualify for full commissions.

With a Trustpilot rating of 3.5/5 and a trust score of 80/100, Family First Life FFL has established itself in the MLM space, but potential distributors should weigh the risks carefully.

Pros and Cons

✓ Pros

Flexible working hours
You can set your own schedule, which is great if you need to balance family or other commitments.
Low startup costs
Starting with Family First Life often requires less upfront investment compared to many MLMs, making it accessible.
Training and support
They provide training resources and mentorship, which can help new distributors get started.
Decent commission rates
As you rank up, you unlock higher commission percentages, which can be lucrative for motivated sellers.
Established company
Founded in 2013, they have had enough time to build a presence in the insurance market.

✗ Cons

High reliance on recruitment
Success often hinges on recruiting others, which can be a tough sell if you're not comfortable with that.
Income concentration among top earners
The income disclosure shows that a significant chunk of commissions goes to the top 1-2%, making it hard for most to earn substantial income.
Monthly purchase requirements
To qualify for full commissions, you need to meet monthly purchase quotas, which can create financial pressure.
Market saturation
Insurance is a competitive space, and standing out can be challenging, especially in a saturated market.
Limited product range
Their focus on insurance products means you might not have a diverse portfolio to offer clients.

Verdict: Family First Life has some attractive features, especially for those looking for flexible work and decent support. However, the income concentration and recruitment focus make it a tough gig for many. Proceed with caution and do your homework before diving in.

Best for: This might be a good fit for self-motivated individuals who enjoy sales and can handle the pressure of recruitment. If you're not comfortable with direct sales or recruiting, it might be best to look elsewhere.

Risk Analysis

Family First Life FFL presents a low-risk profile, but potential distributors should be aware of high earner concentration and monthly purchase requirements. These factors may affect overall earnings and sustainability.

Key Concerns

Top earner concentration high
Income disclosure shows that a significant portion of income is earned by a small percentage of distributors.
Monthly purchase requirements for commissions moderate
Distributors must maintain monthly purchases to qualify for full commissions, which can lead to financial pressure.

Positive Indicators

Decent Trustpilot rating of 3.5/5
This suggests a mixed but overall reasonable level of customer satisfaction.
Compensation plan allows for income from both sales and team-building
This provides multiple avenues for earning, which can be beneficial for motivated individuals.

Consumer Advice: If you're considering joining Family First Life FFL, make sure you're comfortable with the idea of monthly purchases to maintain your commission rates. Also, be cautious about the income potential, as many distributors may earn less than expected.

Frequently Asked Questions About Family First Life FFL

Is Family First Life FFL a legitimate MLM company?

Yes, Family First Life FFL is a legitimate MLM company. It was founded in 2013 and is headquartered in West Hartford, CT. They operate with a forced matrix compensation plan that allows independent distributors to earn income through product sales and team-building.

What products does Family First Life FFL sell?

Family First Life FFL primarily sells life insurance products. They focus on providing various types of coverage which can be tailored to meet customer needs. This means you'll be involved in helping people secure their financial future.

How much can you make with Family First Life FFL?

Earnings at Family First Life FFL can vary widely. Distributors earn commissions based on their sales and team-building efforts, with top earners reportedly making six figures. However, your actual income will depend on your sales skills and how much time you invest.

Are there any complaints about Family First Life FFL?

Some complaints about Family First Life FFL focus on the monthly purchase requirements to qualify for full commissions. While many distributors appreciate the support and training, others feel pressured to maintain certain sales levels.

How does the compensation plan work at Family First Life FFL?

Family First Life FFL uses a forced matrix compensation structure. This means you earn commissions through your personal sales and by building a team. As you generate more sales volume, you can advance through rank levels that unlock higher commission rates.

What does it cost to join Family First Life FFL?

To join Family First Life FFL, you'll need to purchase products at a wholesale price. This initial investment can vary depending on the products you choose. Keep in mind that there are ongoing monthly purchase requirements to qualify for full commissions.

What is Family First Life FFL's BBB rating?

Family First Life FFL currently holds a BBB grade of B. This indicates that they've responded to customer complaints and maintain a positive relationship with their clients. However, it's always good to read through the reviews and feedback.

Is Family First Life FFL worth joining?

Joining Family First Life FFL can be worth it if you're motivated and passionate about sales. They offer a supportive environment and training resources. Just make sure you’re comfortable with the commission structure and the monthly purchase requirements.

Are there alternatives to Family First Life FFL?

Yes, there are several alternatives to Family First Life FFL, including other MLM companies in the insurance space like Primerica or LegalShield. Each has its own compensation plans and product offerings, so it's worth doing your research to find the best fit for you.

Compensation Plan

Plan Type

Family First Life uses a Forced Matrix plan. In simple terms, this means you can earn money by selling products and building a team of other sellers beneath you. Your earnings grow as your team and sales grow.

How Earnings Work

Retail Profit: You buy products at a lower price and sell them at a higher price to customers. The difference is your profit.
Team Commissions: When your team sells products, you earn a percentage of their sales. This incentivizes you to help your team succeed.
Bonuses: You can earn extra bonuses based on your performance and your team's performance, which can include things like leadership bonuses and incentives like trips.

Qualification Requirements

You need to maintain a minimum monthly purchase of products to earn full commissions. This is sometimes referred to as a personal volume (PV) requirement.
To advance in rank, you typically need to have a certain number of active team members who are also making sales.

Red Flags

There's a pay-to-play aspect since you need to buy products each month to earn commissions.
Most earnings go to a small percentage of top earners, which means many people earn only a little.