Family First Life MLM Review: Money Maker or Money Pit

Family First Life MLM Review: Money Maker or Money Pit?

Life is transitional and passing in its color. The unexpected death of a loved one can catch you anytime unprepared. A family person always fears the security of his family. But what if Family First Life guarantees you their protection? Yes, you will definitely fall for that. Nonetheless, if you are still sitting on the fence about joining, this Family First Life MLM Review is the only help you need!

Family First Life MLM Review: Money Maker or Money Pit

When the word MLM (Multi-Level Marketing) is attached to any firm’s name, people get leary of that company. Over the years, the MLM scam has affected the lives of millions and caused unimaginable damage. According to a survey, the financial damage caused by these pyramid schemes in China by 2017 was 59.8 billion yuan. So comb through this Family First Life MLM Review and let the truth be revealed!

Check out my MLM review section to learn more about MLMs.

Who are We

Eve Pacific Media is an affiliate marketing firm that provides support and guidance to those contemplating or who have chosen to become content creators. We help aspiring bloggers, content creators, and affiliate marketers with their strategies.

My relationship with multi-level marketing or network marketing started in the late 80s. I have had involvement with Shaklee, Primerica, Amway, and, yes, the infamous Consumer Buyline. I enjoyed various levels of success. Back then, I aspired to become an MLM or Network Marketing Pro. 

Savvy top MLM earners would build massive downlines, breakaway, and move to programs with the most lucrative opportunities during that era. This was a common practice before many States barred those multi-level marketing schemes.

Our goal at Eve Pacific Media is to use my vast experience to benefit others with a series of reviews of multi-level marketing companies.

What is Family First Life MLM?

Basically, Family First Life is a life insurance company though it does not give you any policy of its own. If you visit the website, it does not provide any clue about self-offered insurance details. Instead, this company works as an insurance broker for many famous insurance companies in the USA and refers people to them.

The company asserts it cares about your family. As the name implies, they put family first in life and consider it part and parcel of a person’s priorities.

Furthermore, the company claims to be specialized in facilitating Americans with Mortgage Protection Products. Likewise, it also proposes offers such as Indexed Universal Life Policies, Fixed Index Annuities, and Final Expense of Life.

Shawn Meaike started Family First Life MLM in 2013. Since then, he has been working as the CEO and president of the company. Before starting his own company, he gained experience by working in National Agents Alliance – another MLM-based company.

It is said that Shawn Meaike conspired against N.N.A (National Agents Alliance), recruited its agents and then laid the foundation of his own company. Consequently, the victimized company sued him for his misdeed and dragged him to court.

Family First Life MLM’s headquarter is in Uncasville, Connecticut, USA. The company affirms that they have over 128 affiliated offices throughout the country, and independent agents are working and growing in 50 states.

What’s more, they also say that they have life insurance placed worth $150 billion and successfully sold their premium worth $800 million. As to their name identification, they have also helped a million families. Are Family First Life MLM Products Worth Their Price?

Family First Life is not a product-selling company. It does not earn profit from physical products. Rather, it is a company that offers insurance policies. It has partnered with top life insurance companies and works as a middleman. These companies are:

  • John Hancock
  • Americo
  • Mutual of Ohama 
  • Foresters Financials and many others.

Moreover, it offers you the following Life Insurance Plans:

Mortgage Protection:

In case of your untimely death, the company ensures you to protect your most precious asset, i.e., your house. The buck ends here with the company paying your due mortgage, and then, yes, your family can keep the house.

Indexed Universal Life:

This type allows the insured person to benefit himself by accumulating cash value in addition to the death benefit.

Fixed Index Annuities:

In this type, you can safely participate in market gains and secure your retirement without fear of potential loss.

Final Expenses:

This type of insurance helps you with the “Final” Expenses” of your life, i.e., funeral costs. No worries when it comes to your ending expenditure.

As Family First Life MLM works as a medium for other insurance companies, why do you need to go through it to get insurance then? So I judge that Family First Life products aren’t worth their cost. 

Family First Life MLM Opportunity:

Yes, Family First Life is an MLM structure-based company. This multi-level marketing (MLM) first convinces you to sign up for benefits. After signing up, you become its independent agent. The very task an agent is supposed to perform is to find more like him.

As an MLM company, Family First Life earns and grows in direct selling. It trains you to refer and recruit people who can refer and recruit more people. 

How Much Does It Cost to Join Family First Life MLM?

Well, joining Family First Life MLM is a piece of cake. It is one of the fewest MLMs that does not take a penny from you to sign up. So you don’t need cash in your pocket to become an agent. What you need to do is to visit the website and add your essential data.

You will receive a confirmation call by and by. Plus, no type of marketing experience is required by this MLM company.

Can You Make Money with Family First Life MLM?

To cut it short, yes, you can make money with Family First Life MLM. As an overview, the estimated income of an agent in the USA is around $123,548, which is 96% above the national average.

Although, it is important to remember that an agent’s income largely depends on his rank and level. Furthermore, the company provides 3 streams of income for its agents:

1. Direct Sale Income:

It is also called a personal production commission. You can get this commission based on how many policies you directly sell. Per a sold policy, you can get as much as $675.

2. Override Income:

This commission is for those who can manage to establish an agency for them. You and your hired agents can get an override commission as a collective teamwork reward. It is, basically, 15% of the annual premium sold, which is why it’s paid annually.

3. Renewal Income:

Averergally, renewal income is 5% of the annual premium. It is also paid annually.


No Sign-Up Charges:

If you want to work without any initial investment, you might consider working with Family First Life MLM, as they are free to start with.

Free Training Sessions:

Family First Life MLM does not only tell you what to do; rather, they teach you how to do it. They give you free training to better yourself as soon as you become a part of it.

Good Compensation Plan:

The company pays out high in the manner of commissions. As 3 income plans support you differently, you will likely earn more. Over time, the level and ranks upgrade, and you even get more riches. 


Unstable Income:

Convincing people to find the next convincers so they can convince further is never easy. You can’t totally rely on the commission you get after recruiting. 

24/7 Duty Hours:

As an MLM company, it can benefit you only when you bring more leads. So to survive and to convince people, you probably have to be available 24/7. What’s the fun in that?

No Physical Product:

As an agent, you can only sell policies and ideas. The company has no physical product to represent itself, which I take as a con.  

Is Family First Life MLM a Scam?

No, it isn’t. It’s a legit insurance company that also provides MLM opportunities. In 2020, it had 17,000 licensed agents in the country, which still continues to grow. Family First Life MLM has also been recognized by Better Bureau Business (BBB), which confirms its authentication. It’s been working for 9 years now.

Final Thoughts: Family First Life MLM Review:

In my honest opinion, based on tiring research, I’d not recommend Family First Life MLM to you. No matter how legit it is, the company still lives on the direct sale you find for it. It will suck your life out before it lets any money reach you. I’ll leave the decision to you with a question, “Is it worth it?

As I discussed in this and other MLM reviews on my website, there are better options available to join MLM companies for side money.

No time is better than now to start an online business, whether you want to make money on the side or quit your job. A traditional brick-and-mortar business costs you a lot more than an online business.

There are other ways to set your own hours, make your own money, and be in charge of your work schedule. Check out my number one suggestion if you want to start your own online business. 

You’ll learn everything you need to know about starting your own business. You’ll get a website and a place to host it. There is training, help available 24/7, and some pretty cool tools too.

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