Family First Life review for agents: contracting, pay, release terms and leads
Family First Life (FFL) is a life and annuity IMO built around recruiting managers and agency teams. Agents sell mortgage protection, final expense, indexed universal life and fixed indexed annuities, sign their own carrier contracts and the carrier pays them directly. Lead purchases are optional.
- Best for
- New and experienced final expense and mortgage protection agents who want a team, training and carrier direct pay
- Lines
- Mortgage protection, final expense, indexed universal life and fixed indexed annuities
- Pay path
- Carrier pays you directly
- Monthly fees
- No initiation fee to join
- Leads
- Optional, from outside vendors through the Integrity Lead Center
- Book ownership
- FFL says yours from day one, with 100% vesting
Our take
Before you sign, ask your recruiting manager for your starting level by carrier in writing, since FFL does not publish a grid or a street level definition.
Pros
- Carriers pay agents directly
- No lead purchase requirement
- No initiation fee to join
- Year-round sales training in person, by phone and online
Cons
- No published contract levels or street level definition
- Release policy and non-compete terms not published
- Recruiting hierarchy built around team production
- No typical earnings disclosure
How you would join
Apply on the FFL site
Fill in the application online.
Hear from a recruiting manager
A manager contacts you within 24 hours, and you join that manager's team.
Sign each carrier's contract
You contract with the carriers directly. Some CRM tools need an extra FFL agreement.
- Contract with
- Each carrier, as part of a recruiting manager's team
FFL is a recruiting hierarchy. You apply on the FFL site and a recruiting manager contacts you within 24 hours, so you join that manager's team.
Bonuses are based on agency and personal production. FFL does not describe a captive transition program.
How you get paid
- Bonuses and trips
- Bonuses on personal and agency production
Carriers pay FFL agents directly. Family First Life says carrier contract rates reach up to 145% for certain carriers. FFL does not list whether it holds each carrier contract directly or through another marketing organization.
FFL does not list dated commission ranges by line.
Leaving
- Renewal vesting
- FFL says 100% from day one
- Book and client data
- Your book of business is yours from the start
FFL does not list a release fee or release-letter turnaround. The release policy, non-compete terms and downline rights are not published, and each carrier sets its own release waiting rules.
FFL does not describe debt handling when an agent leaves. Get the release and debt terms in writing before you contract.
Advances, chargebacks and debt
- Advances
- 75% of the annual commission in FFL's example. The carrier pays the rest in months 10, 11 and 12
- Chargebacks
- You repay the advance to the carrier if the policy cancels
FFL's illustration uses a 100% carrier rate with 75% of annual commission advanced, and the carrier pays the remaining 25% in months 10, 11 and 12 as long as the policy stays on the books. If the policy cancels, the advance has to be paid back to the carrier.
Lines and carriers
Lines are mortgage protection, final expense, indexed universal life and fixed indexed annuities. Integrity names Americo and Mutual of Omaha among FFL's carriers.
Leads, tools and who pays
- Tools
- IntegrityCONNECT for workflow and lead management
- Who pays
- You pay outside vendors for any leads you choose to buy
FFL does not sell leads, and buying leads is not required. Agents can buy from vendors through the optional Integrity Lead Center. FFL does not list a lead price.
FFL's October 31, 2025 recruiting article says its free resources have no monthly fees. Current fees for IntegrityCONNECT or other back-office services are not itemized.
Training and production
FFL runs year-round sales training in person, by phone and online with no direct fee. There is no initiation fee to join.
FFL does not list production or recruiting requirements for keeping a contract level.
Contracting, certifications and E&O
You apply through FFL and then sign each carrier's contract. Some CRM tools need an additional FFL agreement. FFL does not list appointment fee responsibility, E&O rules, a group E&O offer or the certification checklist.
Ownership and channel
Integrity Marketing Group owns FFL.
Income claims
Family First Life says qualifying agents share more than $300,000 a month in personal production bonuses and $3,000,000 a month in agency production bonuses, and that not every agent should expect a bonus. It labels its commission illustration not typical or guaranteed. FFL does not publish typical earnings after expenses.
Family First Life alternatives
- Experior Financial GroupWrite your own business now and build a team later
- Quility and Symmetry Financial GroupStructured life team with a set promotion path
- The Price Group$0 to joinRemote final expense sales with daily live training
- Equis FinancialLife and final expense team with published lead prices
See every option in insurance iMOs.
Frequently asked questions
Does Family First Life pay me or does the carrier?
The carrier pays you directly. Family First Life says rates reach up to 145% for certain carriers, but your level by carrier is set during contracting and no grid is published.
Do I have to buy leads at Family First Life?
No. Lead purchases are not required. The optional Integrity Lead Center sells leads from outside vendors at prices that are not published.
Can I leave Family First Life and keep my book?
FFL says renewals vest 100% from day one. Its release policy is not published, and each carrier has its own release rules, so ask for both in writing.
What happens if a policy lapses after I am advanced?
You repay the advance to the carrier. FFL's illustration uses a 75% advance. Chargeback periods vary by carrier.
Is Family First Life a recruiting company?
It is a recruiting hierarchy. You join a recruiting manager's team, and bonuses are based on agency and personal production.
Does it cost money to join Family First Life?
There is no initiation fee. Lead, IntegrityCONNECT and licensing costs are not published.
How we researched this review. We based this review on the terms and product pages published by Family First Life, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Family First Life quit selling or a contract term that reads different now, let us know and send the link to the page where Family First Life has it. Somebody here pulls up that page and checks it before we change anything on ours.