Family First Life Scam: Pyramid Scheme or MLM? [Review]

Are you curious about Family First Life and wondering if it’s a legit money-making opportunity or a pyramid scheme? You’re not alone! In this day and age, we’re all looking for ways to boost our income, and sometimes it can be hard to separate the wheat from the chaff when it comes to online programs.

Chances are, you heard about Family First Life from a friend or family member, and now you want to know more. Well, I’ve got your back! As an online entrepreneur, I’ve reviewed tons of programs like Family First Life over the years.

Before we get into it, though, I want to be clear that I’m not affiliated with Family First Life in any way. I’m not being paid to write this review, so you can trust that I’ll give you an honest and unbiased opinion.

At the end of this review, I’ll also share with you the best alternative to Family First Life that I’ve found – it’s what’s enabled me to make a full-time passive income online.

What is Family First Life?

Family First Life is a company that offers life insurance products to American homeowners, including mortgage protection, universal life insurance, funeral insurance, and retirement protection. But instead of selling its own policies, Family First Life partners with top insurance companies to provide a broad range of insurance options to its clients.

Family First Life operates under a marketing organization model, which means it relies on agents to sell its products. To do this, it instructs its agents to build their teams using a lead system. This is similar to how other MLM companies operate.

What makes Family First Life unique is that it places a strong emphasis on supporting its agents. For example, it provides training programs to help agents improve their skills and offers a commission structure that allows them to earn more money as they build their teams.

Overall, Family First Life is a company that aims to provide accessible and affordable life insurance options to American families. Its MLM model may not be for everyone, but it has helped many agents build successful careers in the insurance industry.

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Shawn Meaike: The Founder of Family First Life

Let’s talk about the mastermind behind the life insurance company, Family First Life. Meet Shawn Meaike – the founder who came up with the brilliant concept in 2013 and is still in charge of the company today.

So why did Shawn start Family First Life? It’s simple – he wanted to make a difference in people’s lives by ensuring that their families are protected and secure. And what better way to do that than by providing top-notch life insurance policies that cater to every individual’s needs?

Thanks to Shawn’s vision, Family First Life has become a renowned name in the insurance industry. The company has helped countless families secure their future, ensuring that they have financial stability and peace of mind.

What Insurance Plans Does Family First Life Offer?

Family First Life believes in prioritizing families and their well-being. As a result, their insurance plans are designed to provide families with the necessary stability and security. Here are some of the insurance policies they offer:

Mortgage Protection Life Insurance: This insurance policy takes care of your home, one of your most valuable assets, after your death.

Final Expense Life Insurance: This is a permanent life insurance policy that covers your funeral expenses.

Indexed Universal Life Insurance: This type of permanent life insurance policy not only provides a death benefit but also allows you to accumulate cash value.

Fixed Index Annuities: This insurance policy is an excellent way to ensure a secure retirement.

Family First Life also offers add-ons that you can purchase as an optional addition to your insurance policy. Some of the most popular riders offered by Family First Life carriers are:

  1. Accelerated Death Benefit
  2. 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 allow you to customize your coverage to meet your specific needs.

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Is Family First Life an MLM?

Yes, Family First Life is an MLM. But what exactly is an MLM? Let me break it down for you in simple terms.

An MLM, or multilevel marketing company, is a type of direct sales or network marketing company. Unlike traditional business models where you get paid a salary, in an MLM, you earn money by recruiting others to join your business and sell products. When you bring someone on board, and they start making sales, you get paid a commission on their sales and any new recruits they bring in.

This commission system has several levels, hence the name multi-level. Picture a triangle. If the person at the top of the triangle recruits ten people, and each of those ten recruits ten more, and so on, you’ll receive commissions from everyone in your downline. The people beneath you are your downline, and you are their upline.

At Family First Life, for example, you can earn $1100 by recruiting 10 people. While the company offers various products, many people prefer to recruit others because they can earn a lifetime passive income from them. If they sold a product, they would only receive a one-time commission.

However, it’s important to note that people at the top of the pyramid make the most money, while those at the bottom earn the least. Therefore, the ultimate goal for someone working for a company like Family First Life is to build a large downline, which allows them to earn significant passive income.

You may also want to read our article on the top MLM companies.

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Is Family First Life A Pyramid Scheme?

No, Family First Life is not a pyramid scheme. Unlike pyramid schemes, Family First Life does not promise money or services in exchange for recruiting others. This means that it is not unsustainable, nor is it a scam.

In a pyramid scheme, members are required to pay a fee to an organization in order to join. The organization then rewards them by sharing a portion of the funds raised from each additional member they recruit. This creates a pyramid structure where the directors at the top make the most money, regardless of whether they do any work or not.

Pyramid schemes usually do not sell any valuable goods or services and rely solely on recruiting new members to generate revenue. This is where Family First Life differs. They sell insurance and related products, and their members can make money by selling these products, not just by recruiting new members.

In a pyramid scheme, the majority of participants lose money because the largest terms are at the bottom of the pyramid. However, in Family First Life, members can make money by selling their products without having to rely solely on recruitment.

You may read our article on the difference between MLM and pyramid schemes here.

Watch the short video below to learn more:

Family First Life’s Compensation Plan

If you’re considering becoming a Family First Life agent, you’re probably wondering how much money you can make. Well, the good news is that the average Family First Life agent earns a whopping $115,822 per year. That’s 84 percent more than the national average!

But before you get too excited, it’s important to understand that your compensation will depend on your agent level and rank. The higher your rank, the more money you’ll make. So, if you’re willing to put in the work and climb the ranks, you can potentially earn a lot of money with Family First Life.

Overall, the Family First Life compensation plan is designed to reward agents for their hard work and dedication.

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How Much Does It Cost To Join Family First Life?

If you’re considering becoming a Family First Life agent, you might be wondering about the costs and requirements. The good news is that unlike many other MLMs, there are no fees to join Family First Life. That’s right – you don’t have to pay anything to become an agent, and you won’t be tied down by a written contract either.

One of the advantages of not having a contract is that you’re free to explore other opportunities if you feel like it. If you do decide to leave, you’ll be released within 24 to 48 hours, with no strings attached.

However, before you can start selling life insurance as a Family First Life agent, you’ll need to obtain a license. This means passing tests that can cost around $200 or more. While this is an additional expense, it’s important to note that this is a standard requirement for anyone looking to sell life insurance, regardless of the company they’re working with.

So, while there are no costs associated with joining Family First Life as an agent, you’ll need to invest in obtaining a license before you can start making sales.

Is Family First Life a Scam?

Legally speaking, Family First Life is not a scam. According to the Oxford Living Dictionary, a scam is a fraudulent scheme, and there’s no evidence that Family First Life is doing anything illegal.

But can you actually make money selling their products? Well, the truth is, a majority of Family First Life representatives don’t earn any money. It takes a lot of effort and dedication to make a decent income, and even then, the people who do earn good money are usually the ones who are aggressively recruiting others.

Another issue is that Family First Life tends to make misleading and irresponsible marketing claims to lure in new members. This has led some people to view the company as a scam.

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Reasons Why I Don’t Recommend Family First Life

If you are considering joining Family First Life’s MLM program, it is important to know the potential problems of such a venture. 

The Good Reviews are Written by Family First Life’s Affiliates

Be wary of glowing reviews of Family First Life. Many of these reviews are written by affiliates who receive a commission if you join through their links. It’s better to seek out reviews from independent sources.

Very Few People Can Make Money With Family First Life

Success in MLMs like Family First Life is difficult to achieve. Most MLM members end up losing money due to sales quotas and the pressure to continually recruit new members.

Losses From Family First Life Are Reframed As Investments

Be cautious of the way uplines in Family First Life reframe financial losses as investments in the business. In most cases, these losses are unlikely to be recouped.

Family First Life is a Cult

MLMs like Family First Life often have a cult-like company culture that discourages critical thinking and encourages isolation from non-affiliated individuals. Those who leave are often labeled as failures or bad influences.

Family First Life’s MLM Business Model Has a Bad Reputation

The MLM business model that Family First Life uses is not well-regarded by many people, as the distribution of commissions is often skewed towards those at the top.

Exaggerated Claims Of Income

Family First Life may make exaggerated claims about the income potential for members, but the reality is that very few people actually make a good living from promoting Family First Life.

Recruiting is Required to Succeed

Finally, if you want to succeed with Family First Life, recruiting is a must. If you are uncomfortable with recruiting or find it difficult, this may not be the right opportunity for you.

Pros and Cons of Joining Family First Life MLM

If you’re considering joining the Family First Life MLM, it’s essential to weigh the pros and cons before making your decision. Here are some key points to keep in mind:


  • Family First Life MLM is compatible with a wide range of carriers, giving clients a variety of options to choose from.
  • Clients can select from a range of terms, insurance plans, riders, and types of coverage, making it easier to find a policy that suits their specific needs.


  • The primary goal of Family First Life MLM is to recruit new agents, which means that there may be pressure to focus on recruiting rather than selling policies.
  • There is insufficient information available about the policies and the companies that provide them. This lack of transparency can be frustrating for clients who want to make informed decisions about their insurance coverage.
  • Not everyone will be able to obtain plans in all areas. This limitation could be an issue for clients who need coverage in specific regions or who may have limited options available to them.

While the company offers a range of carriers and coverage options, the emphasis on recruiting new agents may not be suitable for everyone. Additionally, the lack of transparency and limited coverage areas could be drawbacks for some potential clients. Ultimately, it’s up to you to decide if Family First Life MLM is the right fit for you.

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Final Verdict

If you’re looking for an honest Family First Life review, here it is: I wouldn’t recommend it if you’re hoping to earn a decent income. Prospecting for potential recruits can be tough, and you may find yourself leaning on your family and friends to join your downline – which isn’t exactly a fun experience.

Another issue is that your upline may constantly pressure you to buy more Business Support Material, even if you’re struggling to bring in new recruits. Unfortunately, the odds aren’t in your favor, as statistics show that 99% of people who join MLMs break even or lose money.

Joining an MLM can be a high-pressure situation, and that’s one of the main reasons people leave. Instead of going that route, why not consider starting your own online business? This will give you more control over what you promote and how you make money.

If you’re interested in building an online business that’s legit and sustainable, keep reading. In the next section, I’ll share how I was able to make a full-time income within a year through online business – without relying on MLM models.

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Is There a Better Way to Make Money Online?

If you’re just starting out, you want a platform that’s better than Family First Life. And that’s why I recommend Wealthy Affiliate. It’s an all-in-one platform for building your affiliate marketing business from scratch.

When you join Wealthy Affiliate, you get access to top-notch web hosting, keyword research tools, community support, comprehensive training, writing tools, and other software that can help you build your online business step-by-step. And the best part? You can register for a free account and start affiliate marketing right away, without spending a dime.

If you like what you see, you can upgrade to the premium membership to access everything on the platform. And there are no upsells afterwards. Plus, with over a million members and a 15-year history of success stories, you can trust that Wealthy Affiliate is a popular and trusted platform.

You may read our article about the difference between MLM and affiliate marketing.

And if you’re wondering how much you can earn with Wealthy Affiliate, a 21-year old student was able to earn over $7,000 in just one week by following what’s taught inside the platform. That’s more than $1,000 a day!

You can read our full review of Wealthy Affiliate here.

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