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Frequently Asked Questions

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What is an IMO?

An IMO is an independent marketing organization. 

Do we have to sign any contracts?

Nope! You do not have to sign any contracts with our agency. 

How long does it take to get started?

Roughly 1-4 weeks, but it's different for everyone. It depends on if you already have your life insurance license or not. If you need to get your license, you have to take an online course, take your exam and apply. How fast you finish the course is a big factor.

If you already have your license then you just need to get appointed with our carriers. If you finish all the paperwork we send you ASAP, then you could be in the field in as little as 5 days.

Where are you located?

We are located in the United States and are a national company.

You can live in any state in the U.S. and work with us!

Do agents get a W-2?

No. Agents at Family First Life do NOT get a W2 because everyone is a 1099. You are an independent business owner. 

If you have any questions on how to handle your taxes, ask your direct manager.

Are there any startup fees?

Nope! You do not have to pay any startup fees to FFL. 

**There are expenses to get started, but nothing charged by FFL. (Example: Life license, leads, tablet, work shirts, badge, business cards etc.)

What are chargebacks?

When you sell a policy, you get advanced the first 9 months of the policy and then get months 10, 11 and 12 when the client pays their bill that month. If a client cancels their policy within the first 9 months, you owe your advanced commissions back to the carrier. 

Chargebacks are unavoidable and happen to everyone. If you continue to sell and issue another policy with that same carrier, your new commissions will go towards your debt until it's paid off.

Do you need any qualifications or experience to get started?

You do NOT need any experience to get started! Agents do need a life insurance license, but we can help you get one! If you don't have your license we will PAY for your study material/online course.

We help you through the entire process, so don't worry!

What products do we offer?

We offer life insurance products such as final expense, mortgage protection, IUL's and annuities.

Do you cold call?

Nope! You do not have to cold call clients. We have warm leads from families who requested our service and are interested in getting coverage.

Is this a captive agency?

No, we are NOT a captive agency. You are a 1099, independent business owner. You can get appointed with one of our carriers or all of our carriers. It's completely up to you!

Is this an MLM?

Nope! Multi-level Marketing or MLM's are based on recruiting. The more people you recruit, the more money you make. FFL's business structure is based on sales and personal growth.

You do NOT have to recruit to make money at FFL. You can if you want to, but are not asked or required to.

Do you have leads?

Yes! FFL has our very own CRM where agents can buy exclusive leads. You are not required to use our leads. You can use any lead vendor you choose.

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