Is Family First Life a Scam Pyramid Scheme? Exposed!

Are you looking for a Family First Life MLM review? Is Family First Life a pyramid scheme? If you want to make money online, you might have heard of this program. But you may wonder if it is a scam.

There is a good chance that you heard about Family First Life MLM through someone – a friend or family member.

Many people these days are looking for additional income, and you are most likely one of them. There was then an opportunity to work from home through Family First Life MLM.

I have a passion to help people explore the best money-making opportunities online, so over the years, I have reviewed hundreds of similar online programs like Family First Life MLM.

To help you make a more informed decision, I have thoroughly researched the Family First Life MLM so I can tell you more about it.

As a disclaimer, I’m not affiliated with Family First Life MLM. It means I’m not paid to write this review. So you can rest assured that you will get an honest and unbiased review from me.

At the end of this review, I’ll also tell you the best alternative to Family First Life MLM that has enabled me to make a full-time passive income online.

What is Family First Life MLM?

Family First Life is a life insurance company that sells mortgage protection products to American homeowners. It also offers universal life insurance, funeral insurance, and retirement protection.

Because Family First Life is an Insurance Marketing Organization, it does not sell its own life insurance policies. Instead, it collaborates with top insurance companies to provide a diverse range of life insurance policies to its clients.

Family First Life is an insurance company that operates similarly to a Multilevel Marketing (MLM) company.

Family First Life instructs its agents to build their teams using their lead system. This is the same multilevel marketing strategy employed by other MLM life insurance companies.

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Who Founded Family First Life MLM?

Shawn Meaike developed the concept for Family First Life, a life insurance company he founded in 2013. He is currently in charge of Family First Life.

He started the company to improve people’s lives by ensuring the safety of their families.

What Insurance Plans Does Family First Life Offer?

According to Family First Life, putting families first is very important to them. As a result, their company name is more than just a name; it represents who they are.

It offers insurance plans that can provide families with the security and stability they require.

1. Mortgage Protection Life Insurance

After you die, this insurance takes care of your home, which is one of your most valuable possessions.

2. Final Expense Life Insurance

This is a permanent life insurance policy that will cover your funeral expenses.

3. Indexed Universal Life Insurance

This is a type of permanent life insurance that allows you to accumulate cash value in addition to the death benefit.

4. Fixed Index Annuities

This insurance is a secure way to ensure a secure retirement.

Add-ons are available for Family First Life insurance. It is an optional addition to your insurance policy that you can purchase.

Here are some of the most common riders provided 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

You can modify your coverage to meet your needs with the help of these riders.

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What is MLM?

Before we get into Family First Life MLM, I’d like to explain what MLM is and how it differs from traditional business models.

Multilevel marketing companies are also known as direct sales companies or network marketing companies.

An MLM company does not pay you a salary.

You make money by recruiting others to join your business rather than selling products. If you hire someone and they start making money, you get paid a commission on the sales and recruits they bring in.

There are several levels to this (hence multi-level).

Think about a triangle. If the person at the top of the triangle recruits ten people, and each of these ten recruits ten more, and each of these ten recruits ten more, you will receive commissions from everyone in the triangle because they are all in your direct downline (in an MLM, the people beneath you are known as your ‘downline,’ and you are their ‘upline’).

You can earn $1100 by recruiting 10 people.

Even if your MLM company offers a wide range of products, most people prefer to recruit others because they can earn a lifetime passive income from them, whereas if they sold a product, they would only receive a one-time commission.

People at the top make a lot of money because money trickles up to the top of the triangle, while people at the bottom make the least.

The ultimate goal of someone who works for a company like Family First Life MLM is to have as many people in their ‘downline’ as possible, allowing them to earn large amounts of passive income.

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Is Family First Life A Pyramid Scheme?

A pyramid scheme recruits members by promising them money or services in exchange for enrolling others.

A pyramid scheme is unsustainable and frequently a scam because members lose money as the number of recruits increases.

Those who want to join must pay a fee to an organization that runs a pyramid scheme. The organization will share a portion of the funds raised from each additional member they recruit as a reward.

The directors of the organization receive a portion of these payments (those at the top of the pyramid).

The scam is profitable for the directors whether or not they do any work. It is in the membership’s best interests to recruit and funnel money to the top of the pyramid.

Such organizations almost never sell valuable goods or services. The scam’s only source of revenue is from recruiting new members and soliciting more money from current members because it does not produce any goods or services.

Pyramid schemes are very similar to exponential growth mathematics. The size of a pyramid grows dramatically with each level. A pyramid scheme would have to grow indefinitely in order to make money for everyone who joins. This is impossible due to the planet’s finite population.

The scam will fail in the absence of new recruits and other income sources. Because the largest terms are at the bottom of this geometric sequence, the majority of people live in the pyramid’s bottom layer.

Workers in pyramid schemes typically promote the company rather than the product they are selling. At some point, no one at the bottom of the pyramid will make any money, while only those at the top will profit.

People at the top of the pyramid usually make money, while those at the bottom usually lose money. Because they are at the bottom of a pyramid scheme, the majority of participants lose money.

Members at the scheme’s bottom will have no chance of profiting if the scheme fails, but they will have already paid.

Is Family First Life, then, a pyramid scheme?

No. Family First Life does not operate as a pyramid scheme. It’s possible for members of the company to make money by selling their products.

They don’t have to make money solely through recruitment.

Watch the short video below to learn more:

What is the Family First Life MLM’s Compensation Plan?

You should read this if you want to know if you can make money as an agent in Family First Life.

A Family First Life agent earns about $115,822 per year, which is 84 percent more than the national average.

However, keep in mind that your agent level and rank will influence how much you are paid.

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10 Reasons Why I Don’t Recommend Family First Life MLM

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

You probably have found some other reviews of Family First Life MLM and all of them are saying good words.

But all of them are actually paid to write, meaning they will receive a commission if you join Family First Life MLM via their links. Therefore, their words are often biased and not trustworthy.

Those reviews are simply sales pages and do not tell you the hidden costs and the difficulties of really making money.

By common sense, should you trust someone who has a conflict of interest that receives huge compensation by “reviewing” the program? Probably not. They are not reviewing, but selling!

Therefore, I recommend reading the reviews of those written by the non-affiliates of Family First Life MLM.

2. Very Few People Can Make Money With Family First Life

Success is difficult to achieve with an MLM company like Family First Life.

You can look at the statistic that says 72.5 percent to 99.9 percent of MLM members lose money.

The reason for this is that MLMs have sales quotas that require members to continue selling products in order to remain active and eligible for commissions.

They will not be paid if they do not meet the quota.

As a result, many MLM members lose a significant amount of money before even recruiting one person into the company.

3. Losses From Family First Life MLM Are Reframed As Investments

Family First Life MLM uplines often reframe their financial losses as ‘investments’ in their business so as to keep their reps in an MLM scheme, dangling the carrot of future financial freedom. 

But the reality is that these are not investments. You are unlikely to get the money back. And the return on “investment” is negative in most cases. So saying that it’s an investment is cheating.

4. Family First Life MLM is a Cult

Why do people continue to work for Family First Life if it appears to be so bad? Our investigation of MLMs revealed that they all have cult-like company cultures.

Critical thinking is actively discouraged among MLM representatives. They are chastised and even isolated when they ask questions that deviate from the ‘this company is a-mazing’ mindset.

MLMs, like abusive partners, encourage you to isolate yourself from anyone who questions your involvement.

Those who leave an MLM are labeled as failures or bad people/influences, and reps are not allowed to contact them.

Rejection from people they once considered practically family is one of the most devastating losses experienced by former MLM representatives.

MLMs frequently expect their representatives to prioritize their events and business over their personal lives in order to further embed them in the business while separating them from their family and friends.

5. You May Need to Purchase Family First Life Products Yourself

If you don’t have a large network of friends, family, neighbors, and so on, you may have to buy products yourself each month. It’s a losing proposition all around.

I think it’s quite ridiculous when you have to buy the products you are trying to sell. But this is very common for people who join MLMs like Family First Life. That’s why in the long term, you are going to lose a lot of money, not to mention making money.

6. Family First Life Products are Overpriced

As with other MLMs, Family First Life offers overpriced products. There are many other brands that offer similar products but at lower prices.

Therefore, you may find it difficult to sell Family First Life products because your prospects can buy the same product elsewhere at a much cheaper price. This explains why most people who join MLMs only focus on recruitment instead of selling actual products.

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

Some people have benefited financially by joining a network marketing/MLM company. Unfortunately, most people who join MLMs are left with nothing but regret and a lot of useless products that they were unable to sell.

MLM like Family First Life is fundamentally flawed. The distribution of commissions is skewed toward the top.

The majority of those in the top tier and pioneers make the most money, while those at the bottom will not even break even after a few months.

As a result, many people do not consider Family First Life to be a legitimate business opportunity.

8. Exaggerated Claims Of Income

Family First Life, like any other MLM company, makes exaggerated income claims, but in reality, very few people make a good living by promoting Family First Life.

Family First Life’s low retention rate can also be discouraging, as less than 41% of its distributors are active.

According to Family First Life’s payouts to distributors, over 99 percent of Family First Life distributors never make a profit.

9. Family First Life Is Like A Pyramid Scheme In Disguise

If you want to avoid losing money every month, the MLM will actually encourage you to recruit people.

Every system that requires you to recruit people in order to make money eventually looks like this.

Family First Life is not a pyramid scheme in the traditional sense because you can earn money by selling their products.

However, in order to make a living, you will need to hire others in reality.

10. Recruiting is Required to Succeed

I don’t recommend MLMs to people for this reason. MLMs like Family First Life put a lot of effort into recruiting. Eight out of ten ways to earn money with Family First Life require recruiting. If you don’t recruit, you are destined to lose money at the end of the day.

My #1 recommended platform is different. You can make a 4-figure, 5-figure or even 6-figure passive income by promoting and selling products you truly like. You don’t have to recruit people but recommend useful and great products. I will tell you more at the end of this Family First Life review.

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

You might be wondering how much it costs to join Family First Life. Unlike other MLMs, you do not have to pay any fees to become a Family First Life agent. You don’t even have a written contract.

You can leave to look for new opportunities because you don’t have a contract, and you’ll be released within 24 to 48 hours.

The problem is that you can’t sell life insurance until you’re a licensed agent. This means that you must pass tests to obtain a license, which could cost you $200 or more.

Family First Life MLM Positive and Negative Feedbacks By Real Users

Positive Feedbacks

  • It is compatible with a wide range of carriers.
  • Clients can select from a variety of terms, insurance plans, riders, and types of coverage.

Negative Feedbacks

  • Its primary goal is to recruit new agents.
  • There is insufficient information available about the policies and companies that provide them.
  • Not everyone will be able to obtain plans in all areas.

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Is Family First Life MLM a Scam?

I cannot say Family First Life MLM is a scam for legal reasons. A scam is defined as “a dishonest scheme; a fraud” by the Oxford Living Dictionary. 

Can you make money selling Family First Life products? We already know that a majority of Family First Life reps did not earn any money. A few people do make money but only if you put in a lot of effort. And usually, the way they make a lot of money from Family First Life is by recruiting aggressively.

Also, Family First Life blatantly makes disingenuous and irresponsible marketing claims to recruit members. Therefore, some people do consider Family First Life MLM a scam.

My #1 recommended platform, however, has seen a lot of beginners earn four figures a month after joining it for a year.

I will tell more about my #1 recommended platform at the end of this review.

Final Verdict: Family First Life MLM Review

Here comes the conclusion of my Family First Life MLM review. Overall, I don’t recommend joining Family First Life MLM to make money.

You will have a tough time at the beginning when you are prospecting and trying to find recruiters to add to your Family First Life commission.

The worst part is that you practically have to ask your family and friends to join your Family First Life business opportunity. It’s not fun.

Your upline is constantly following up with you to encourage you to buy more Business Support Material even as you struggle to get people to join your downline.

The reality is that you’re likely to lose more money. Statistics confirm this as well. 99% of people who join an MLM break even or lose money, according to a case study on the FTC’s website.

People who join these MLM-type businesses often feel under pressure to succeed, and that is one of the main reasons they leave. 

Why not consider starting your own online business if you want to earn money and have a flexible schedule? 

Thus, you can choose what you want to promote rather than having someone tell you what you must promote.

Let me tell you how to build an online business in a legit way to make passive income online in the next section. This has allowed me to make a full-time income in a year. Most importantly, unlike MLM models, It’s 100% legit and sustainable.

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The Best Alternative of Family First Life MLM To Make Passive Income Online

If you’re beginning your online business journey, you deserve a programme much better than Family First Life MLM.

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But How Much Can You Earn with Wealthy Affiliate?

A 21-year old student from Wealthy Affiliate was able to earn $7,395 in just 1 week, which means he made more than $1k a day…all while applying what is taught inside Wealthy Affiliate.

Family First Life MLM Review

Compared with Authority Hacker, Wealthy Affiliate has a much longer history, which has been established for 15 years and there are many success stories in the past decade. Actually, Wealthy Affiliate has more than a million members so far, so you can see how popular this platform is.

To give you more examples, here are some of the other inspiring success stories of Wealthy Affiliate members.

Where to Join Wealthy Affiliate?

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