Family First Life Review (2022): Legit MLM For Life Insurance?

By: Hope
By: Hope
Welcome to my Family First Life review. My goal is to answer common questions like: how much it costs, if it's a scam, if you can actually make money with it, & who really is. The end goal is to help you understand if it's a good fit for you personally, and if there are any better alternatives out there.
Family First Life Review


This Family First Life 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.

What I Liked

What I Didn't Like

Before we get into it... who am i?

Always good to put a name to a face, so firstly, my name is Hope!

Like you, I was stuck working 8-10 hour days building someone else’s dream.

I worked at one of those cool tech companies that has omelet stations for breakfast & craft beer on tap for after hours.

To a lot of people that’s a dream, but to me… something was missing.

All I really wanted, was to actually enjoy life – more vacations, less stress, buy myself nice things without worrying about the cost… but that was something my 9-5 couldn’t provide me.

That was until a few years ago when I discovered a way to make money online by actually helping real people. 

People in this case were local business owners across the US.

Me and My Puppy

The page above is an example of how I do it. That one-page site generates $1,500/mo and I haven’t even touched it since it was put up.

That’s an $18,000/year raise from just one page.

That’s why local lead generation is my #1 business recommendation for recurring, semi-passive income. If you want to learn about that business model, click here.

Important: I am not an affiliate

for Family First Life

Why Does That Matter?

A lot of course reviewers have no experience with any of the business models or programs they review, and so they’re just making stuff up.

They do that because they want you to click through their link to buy from the person that the review is about!

They have no clue what it’s actually like to run the type of business Family First Life is teaching you to do.
I have absolutely no relationship with Family First Life, so you can rest easy knowing that I’m going to give you my honest opinion
This review is written based on my own experiences with MLMs.

All that being said, let’s jump into things.

Your search for a health insurance plan or an online business opportunity has led you to the correct place.

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 I get into the details…

MLMs like Family First Life are a bit of a mixed bag. They CAN be a legitimate way to make money, but some have a reputation for literally ruining people’s lives – so it’s important to know what you’re getting, since each one is unique.

Like most of my readers, you were probably introduced to this one via a friend or some influencer you trust online.

And it makes sense why so many people recommend them:

Making money outside of a 9-5 can be… life-changing, to say the least.

So in this article, I want to help you explore two things:

  1. If MLMs are actually a worthwhile business to pursue
  2. If Family First Life is a worthwhile MLM

Before that, I want to clear the air on something.

There are A LOT of people out there who bash all MLMs in any form. I am not one of those people.

Instead, I want to genuinely educate you about them so that you can make an informed decision on how to proceed.

If you’re unfamiliar with what MLMs actually do:

They’re businesses in which you pay money to a company for the ability to sell their products.

Sometimes the products are actually kind of decent (I still remember my mom throwing pampered-chef parties when I was younger).

Other times the products are really poorly made and come with a high price tag.

Typically, the only way to really make money is to get people (mostly friends & family) to sign up with you for a recurring subscription.

If the product is 100% legitimate & valuable, it’s entirely possible to get people to sign-up and continue paying you.

If the product is subpar, you’ll usually burn those bridges kinda quickly and end up with $0 coming in each month.

The biggest issue I’ve seen is that this puts significant stress on your personal relationships, as you’re reliant on selling to your “network.”

Think about it: if you KNEW that every time your friend Sally called, she’d be trying to sell you on one of her products… you’d eventually stop answering Sally’s calls.

Now, this doesn’t mean MLMs are outright bad… it means you need to know what type of MLM you’re getting yourself into before you sign up.

Again, some MLMs provide real value to people, but MOST don’t – and so in this article, I’m going to explore what the case is with Family First Life.

But before that, I want to ask you a question: what if there was a way to build actual recurring, semi-passive income?

Income that:

  • Doesn’t have inventory
  • Doesn’t make you sell to your friends & family
  • Doesn’t force you to recruit people onto your “team”

Something that you could make anywhere from $2,000 – $10,000 with consistently, month after month?

A stream of income that you can build as high (or low) as you feel like building it?

If that sounds interesting, you might want to think about becoming a Digital Landlord.

If you wanna see what Family First Life looks like on the inside, keep reading.

What Is Family First Life?

What Is Family First Life

Family First Life is a life insurance provider that provides mortgage insurance to homeowners in the United States. Additionally, it offers universal life policies, ultimate cost life insurance, and retirement protection.

Family First Life does not sell its life insurance plans, unlike other insurance companies. They work with major insurance companies to provide their customers with a wide range of life insurance alternatives.

Smart, isn’t it?

What Is The Operating Model Of Family First Life?

Family Life First An MLM Company

When it comes to business operations, Family First Life falls within the umbrella of the Multi level Marketing (MLM) model.

Like other multi-level marketing (MLM) life insurance businesses, Family First Life encourages its agents to utilize their lead system and assemble a team.

Who Founded Family First Life?

Shawn Meaike Founder Of Family First Life

Shawn Meaike is the brains behind Family First Life, a life insurance company he launched in 2013. Now, he serves as the president of Family First Life.

He began to change the life insurance industry to improve people’s lives by ensuring the safety and security of their families.

How Can Family First Life Help Protect Your Family?

How Can Family First Life Help Protect Your Family

Family First Life claims they are committed to putting families first. Their corporate name is thus more than simply a moniker; it encompasses the essence of who they are.

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

1. Mortgage Protection Life Insurance

Mortgage Protection Life Insurance

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

2. Final Expense Life Insurance

Final Expense Life Insurance

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

3. Indexed Universal Life Insurance

Indexed Universal Life Insurance

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

4. Fixed Index Annuities

Fixed Index Annuities

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

What Are The Riders Offered By Family First Life Carriers?

Insurance Riders

Family First Life Insurance providers have riders with their policies. You may add it to your policy as an extra insurance endorsement.

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?

How Does Family First Life Contact Homeowners

Like most life insurance companies, Family First Life distributes direct mail to consumers who have just purchased a new house, recapitalized a property, been authorized 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?

How Much Do Family First Life Agents Make

Please read this if you are interested in being an agent in Family First Life and making money!

At $115,822 per year, a Family First Life agent’s yearly income surpasses any other employee in the United States.

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

How Much To Join Family First Life?

Free To Join

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. This means you have to take licensure exams that could cost you around $200 or more.

Is Family First Life A Pyramid Scheme?

CTFO Not A 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 recruitment, but it’s not your only source of income here in Family First Life. Thus, it’s 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.

Are There Alternatives To Family First Life?

Other MLM Companies To Choose From

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

Is Family First Life A Scam?

Is It A Scam

So, time for the $1,000,000 question: is Family First Life a scam?

No, not technically. They aren’t going to run off with your money and not give you what you paid for. It’s 100% possible to make money with this program.

That said, it’s not nearly as simple as they want you to think.

There’s A LOT of work to be done upfront and no guarantee that you’ll be successful. The commissions are also fairly small.

Don’t get me wrong, I’m all for doing hard work now, so that I can reap the benefits later.

But if you’re going to work really hard for 3 months, and your reward is a $100 check… it’s not really a great opportunity.

If I’m gonna do that, I want the rewards to be HIGH and virtually guaranteed.

I’d rather put in that same 3 months of work (in my spare time) & build a handful of Digital Rental Properties that each produce $500-$2,000 checks every single month afterward (AKA recurring income).

And the cool part is that you can do it in a lot less time than 3-months (I personally did it in my first 2 weeks of being a Digital Landlord).

Unlike with MLMs, you can do it from anywhere in the world, so it’s a genuine “laptop-lifestyle” business.

All you need is an internet connection.

Some of my friends are Digital Landlords that run their 6-figure businesses from:

  • Camping trips at national parks
  • Beachfront in Hawaii
  • On the road in a camper van (with a pet pig!)

They focus on living an enjoyable life first, and focus on income second. All thanks to this program

They can take weeks or months off, and money keeps rolling in.

Living happily is the top priority.

If the thought of living perpetually at your dream vacation spot interests you, being a Digital Landlord might be for you!

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

Make Money Online Thru Digital Landlord

I’ve personally tried all of the major online business models:

  • I’ve sold fidget spinners through Amazon FBA
  • I’ve dropshipped a toilet bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

I’ve also been on the other side of old friends trying to sell me their fancy new MLM products.

That being said, my #1 recommendation for making real money online is, hands-down: being a Digital Landlord.

Whether you’re a complete newbie or have been around the block before but have never had that “big win” to propel you forward, becoming a Digital Landlord is for you.


Time: If you’ve got a spare hour or two each day, you can do this. If you want to drop everything and go all-in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring.

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

Ownership & Control: With MLMs, you don’t really “own” anything – everything belongs to the MLM.

If you read the contracts, they can kick you out at any time, or change your commission at any time (it’s happened in a few high-profile MLM cases recently).

Why pour your soul into a business that could be taken away from you at the drop of a dime?

When you’re a Digital Landlord, you literally own all of the assets, which means you have ultimate control.

Big Margins: With MLMs, you’re often going to have really slim margins. That means you need to have a VERY large network to make serious money. This usually entails spending A LOT of money on ads and other methods for recruiting members.

Being a Digital Landlord, your profit margin is nearly 100%. Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort put into creating the next property decreases.

Best-case scenario, you have properties bringing in over $3,000+/mo on auto-pilot.

It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income with an MLM, you would need to sell twice as much inventory. And I can guarantee you, that’s a lot harder than a few clicks & a phone call.

You’re Helping REAL People: My biggest gripe with MLMs is that you’re likely going to ruin your personal relationships.

The MLM may have convinced you that you’re actually helping people, but it’s often not really true.

But when you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If you can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other MLM programs like Family First Life, which might make you money 12 months from now.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.