My Story - The Family First Life Scam - FINALLY breaking the silence
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- Опубліковано 22 тра 2023
- Please like this video. For years I have been silent about my experience with Family First Life. This is largely because of my pride and the emotional damage I have sustained. Family First Life is a scam and I fell into it deeply.
I have been silent because I was ashamed that I could be one to "drink the Kool-Aid" so to speak. I have been silent because of the severe emotional toll that the extreme debt I sustained has caused me. When things got hard with Family First Life, I dove in deeper, bought more leads, and worked harder - just as I was instructed. It was all part of the scam.
It wasn't until I started researching the things that didn't make sense that I found out how deep the deception is. In my experience, Family First Life commits aggravated white-collar crimes that target minorities, specifically black and Hispanic, and the impoverished. Family First Life scams agents using lead fraud, meaning they sell leads that aren't as advertised, and they train agents to lie to the public.
Family First Life must be stopped. Please don't be fooled by their narrative. They are professional criminals with deep pockets, and very well-trained.
True here too. I felt like I was the problem. I worked my butt off to get licensed, just so I can be scam out of my money and my time. Something needs to be done with FFL and Shawn.
What Jana is doing is actually making a difference. Best if you can make a video.
David, I don't know about FFL, but I will say... I have worked in insurance since 2005, and I've encountered so many tricks, lies, and career and soul crushing companies - it's frightening. Many of these companies often avoid questions and leave a lot out to get you to join them. Not only is corrupt companies bad for the beneficiary of the product, but it is also for the agent. These companies only benefit themselves. I don't know what state Jana worked or what FFL agency she was with, but if Jana spent that much money, she might have just got her own lead company to buy leads.
Agents need to have an organization of sorts to report the bad companies. I worked for one bad company three years ago. I work in Medicare and when I saw they were breaking the law - I walked out. I just got a notice that they and all their affiliates are going bankrupt. There is a problem with some companies, yet I keep hammering on. I sometimes wonder why.
@@sjam1159 best thing you can do right now is make a high quality video. Be like Jana.
I was trying to get life insurance and I need a job. I haven't decided to start with them but I am scared
Thanks for sharing this; I really needed to hear this. I have been having some challenges lately myself with the leads and started to ask some questions.... this video is a confirmation for me to purchase leads elsewhere. I pray that you recover all financial loses and you will!!!
You are not alone. I experienced the same thing. Made my escape a couple years ago. I am still recovering. Bless you on your journey and recovery.
Same here. Lost $10,000. Awful company
Best to make a video of your experience.
Wow... Wow.... Wow...........
Thanks for being brave and sharing your story. I’m sorry you went through that. Yesterday I told them I would join a quick search and I found you. Thank God.. your testimony, save me from those scammers🙏🏾.
Listening to you mirrors my situation I had as well!!! Thank you for sharing!
If it sounds to good to be true RUN!
Thank you so much for exposing the truth and what these people are doing to defraud insurance agents! Just got my life insurance license in Texas and am definitely not staying in this industry. I really appreciate you taking the time to make this video.
Omg I been with them for months and haven’t wrote anything … I’ve been thinking should I go somewhere else or do i put more money in ..!! Thanks for this video
This lady is a really good actress the way she tells her story. She actually looks to me like a life insurance, professional from another company who is just trying to tell a bad story about FFL. Or this is a classic case of someone who couldn’t cut it in the world of commission sales. Who then probably tried to turn around and blame everything on the company for their lack of success, and started giving the home office a hard time. And FFL will not put up with that, so she was probably asked to leave and this is her revenge. I have never heard anyone from FFL tell people to go into credit card debt buying leads. In fact, just the opposite. If you are not wise enough to realize that you should not go into thousands of dollars of debt to buy leads in without the numbers working in your favor then you should probably just go back to your W-2 job. I don’t by the story and the woman telling it in this video does not appear to be as ignorant of a person to have gone through all of this. It just doesn’t add up. And for the record, there are different levels of cost for the leads. Some of them are older, and were sold the other agents. You cannot fully blame FFL for what the third-party lead companies are doing. I’ve been in commission sales for 30 years and pretty much anyone can fabricate this type of story in regards to any field against any company where you have to generate your own business. It’s so common for people to try to find a myriad of ways to blame the company for the lack of their success. Bottom line is if you move into the field of independent contractor, contact mission, sales, you better be educated and have good advisers helping you today. Nothing like with this woman is describing happens to you. FYI, it is common for business coaches to tell you to reinvest a percentage of your profits back into your business it’s just good business sense. But going into thousands of dollars of credit card debt is not good business sense and you have no one to blame but yourself if you do this. Wishing you the best of luck. Find a great company that was referred to you by a trusted friend. I also know that any industry where you can make this kind of money is going to have a learning curve and may take a little time in dedication. Again, be sure to rely on your advisers. Peace out!
Thank you for sharing. The leads are a scam. But you aren’t required to buy their leads. There are others out there. Many of the FFL leads have never filled out the information and we are coached to call the clients 3 times in the morning and 3 times in the afternoon. If they hang up call them back. All of this without training or concern to the National do not call Reg. All because they supposedly requested the info.
What Jana is doing is actually making a difference. Best if you can make a video.
@@BusinessOpportunityScamsI’m puzzled why Jana kept buying leads after “quickly realizing” the leads were bad.
This company has been in trouble with the FTC as well as several State Attorney Generals' Offices. They have been sued multiple times for TCPA violations among other things. You should speak to an attorney, and see if they will represent you pro bono, to recover some of your losses.
Due diligence is part of being an agent, a business owner, and a responsible adult.
This. I literally bought a plane ticket and booked a hotel to go out to Miami from MA to meet the FFL office owner I'm going to join under, and you best bet I'm vetting everything out online as well.
That's the exact same thing I kept thinking while I watched this video lol
Thank you so much, I was thinking of going to FFL but not now.
It’s best to find another IMO. There are plenty out there. Avoid FFL.
This is why I couldn't sell
You literally did everything the onboarding course & my upline told me not to do, sounds like a skill issue.
If you join an MLM, the success rate is substantially lower.
Clearly, you weren't listening. She did exactly what she was told to do. Don't blame the victim of a scam. Perhaps you're FFL and on here just to troll.
@@RelifordInsuranceAdvisors Actually, the MLM scammers hire people whose job is to scourge the internet about negative remarks about the MLM scam. And respond in the manner that we are seeing.
Facts
@@RelifordInsuranceAdvisorsso every incompetent employee can blame the company? I’ve worked at FFL and everything she said never happened at my agency and many other agencies when I was employed there. That’s her fault if she can’t use common sense and discernment on what is ethically right as a licensed insurance broker.
I am so sorry to hear your story. I stopped being with a friend who was doing this because of the part of ripping off people by life insurance. I wonder if her story ended the same as yours. So sad. If u were you, just file bankruptcy and wait it out for 5 years to restore your credit.
Lmao yes do what this person says ^
The problem is that all of this was known nearly 10 years ago when Shawn Meaike was at National Agents Alliance (NAA) with Andy Albright, but they have both gotten richer and Shawn has branched off with Family First Life (FFL). I doubt they will ever be held to account by the law.
I was looking forward to a new career. I have to work from home Bc my wife died in Oct from cancer and this was gonna be a good fit for me. But now I have to figure something out. Thank you
Please stop listening to one person with no skills
Come to symmetry 😂
@@Jar0JessI'm in the process of starting with Symmetry via Prichett. Please don't tell me it's another version of the same nightmare?
There are good companies out there. FFL is just not one of them. If you have a family, and are a single parent, I’d consider another avenue for making money because with life insurance you’ll need to run appointments on nights and weekends.
@Digital_Cajun if it's not too late don't get contracted. Find a different imo not similar to symmetry or ffl
I've seen a few people encourage generating your own leads through Facebook ads for final expense. By cutting out the lead vendors the cost per lead is supposed to be a fraction of what you pay lead vendors. And of course you know you're getting the lead in real time. I've been contracted with FFL and haven't gotten started but definitely want to. Thanks to Jane for making this video, I'll make sure I consider MOO first when possible, and doubly sure I'm selling a policy they can afford. Chargebacks seem like pure stress.
Generating your own leads is definitely the best alternative! Plus referrals and word of mouth is more money saved not buying leads that may not be exclusive.
Definitely talk to SUCCESSFUL FFL agents, not to those who failed and are bitter and blaming others.
There’s also nectar leads, happy agent leads, and a seemingly plethora of lead vendors
Thank you for sharing. I was in the process of signing up with ffl.
YES JANA YOU ARE RIGHT AND SYMPHATIZE WITH YOU, BY THE WAY SEVERAL INSURANCE COMMISSIONERS HAVE STARTED AND INVESTIGATION INTO THEY'RE UNETHICAL AND EVEN UNLAWFUL PRACTICES
What Jana is doing is actually making a difference. Best if you can make a video.
Thanks for posting this. I got in and got out within 3 weeks, and still I wasted so much time and money with FFL. A few months later (right now) I finally got a new job and have barely gotten bad
What agency do you work for now? Im trynna leave FFL
What agency do you work for now? I’m trying to leave FFL
@@SashaEsquilin I decided sales wasn’t for me and went back to my regular stuff. Not sure on where to point you to
How much do they have you buy leads?
So true I might have to do a video to verify exactly what you’re saying I experienced the same thing
Loss 10k from buying leads over the year made money but the chargebacks is stressful also she right about mainly the people wanting insurance are in no position to buy insurance because of fixed income variables and below proverty
What Jana is doing is actually making a difference. Best if you can make a video.
The most effective way to save others is to make a video. Obviously committing fraud is illegal. You can complain to the FTC, your attorney general and the department of insurance but making a quality video is most immediately effective to cause there to be less victims.
So sorry you went through that. It is a shame what they did to you... but do not let them discourage you. You are a winner and will recover. God bless you.
There is a 92% FAILURE RATE for life insurance agents, industry wide! 92% FAIL because selling life insurance is VERY HARD. For the 8% who can make it, it's a VERY REWARDING, HIGHLY LUCRATIVE career.
But only 8% of us will see it through. The other 92% will blame anyone else , whine, and cry... anything to avoid taking responsibility (!!!) for not doing their research, learning what it takes to be in (and stay in) the small 8% of us who make it and do very well.
You're in the 92% buddy
Yup the training is good but the leads are definitely a scam. I have no idea how they put out all these podcasts about how people are making thousands buying the crm leads, they are in the process of being sued for it and rightly so.
What Jana is doing is actually making a difference. Best if you can make a video.
They are going to try and shut you up and continue on.. disgraceful
Thank you sharing they literally just called me, and hyped up that they got leads to offer smh
They do have leads to offer that are profitable. I recommend you apply if you're someone that wants to work hard and get paid well for your work. Otherwise it may not be for you. For me, it was a blessing.
Not every agency is treated the same. This is how her agency was ran
They leads are initially profitable, until they are resold and you get the chargebacks. I wrote $10,000 per week (so don’t say I didn’t work hard) and all I walked away with was debt. The narrative is “work hard”, “work harder”, “buy more leads”. Don’t be fooled. In the end, you’ll lose.
@@totally-jana you can't lose money on chargebacks. if you get paid $10,000 and get $2000 in chargebacks, you still made $8000. it's actually impossible to get more chargebacks than you did deposits. even if you get something insane like 40% chargebacks, you still never took a loss, it just a reduced profit. But 40% is not possible unless you're writing fraudulent business or overcharging clients (like trying to get everyone for $200 when they can only afford $60).
20% chargebacks, however, is perfectly normal all over the industry.
They aren't targeting minorities. They are marketing to seniors from 50-85. Seniors with lower incomes happen to respond to the ads. it's not a race thing, it's an income thing.
@@AlexPerazaTV I guess you're here to represent FFL. You need to be transparent, not trolling.
You are an amazing human. The whole world needs you. You are a good example to the world. Please I want to advise you if you can open your own agency so you can help people. I've a lots of respect for you and I'll pray for your relationship with your husband and to be out of your financial burden. I'll hear when you are millionaire with your husband on your Chanelle soon or later. I was thinking to join them I'm glad I heard your message. God bless you all.
Corinne from FFL claimed that stated that they were not inclined to give me a release to agents even though i have never sold a single $1 worth of business! I'm sure this is a regular practice for FAMILY FIRST LIFE as they are a obviously terrible IMO's. organization.
Omg, thank you for sharing!!!!!
You are so welcome!
What they don't tell you is that the best leads are the mortgage protection leads. The specific ones are usually locked out in your area because certain individuals in the company pre-purchase them and have first dibs. Then they tell you of anyone tries selling any policy behind that agent that it's a scam and to ignore anyone else lol. Ooooweeee I'm glad I left when I did.
Purchased "exclusive" leads, much of them were people who were deceased. Some of them had been dead for over 7 years LOL. I laugh at my ignorance during that time. They got me good, so good in fact that I left the insurance biz altogether. Had I known better, I would have worked my sphere of influence and ran ads for my own personal leads. Sorry to hear about your misfortune though. I felt this
I purchased these mortgage protection leads. They were supposed to be mailed on my behalf then I was to receive notification when someone mailed back the postcard. It was a complete scam. Not a single one of the leads I received were recent. Most were 2-3 years old.
@@totally-jana oh I 100% agree. The ones I'm talking about certain individuals have certain areas blocked on the the exclusive ones, ie the newest mailed ones. I'm in Omaha, and I knew a guy on a different team who was getting those leads from his upline to work this area. They are the ones that someone gets first crack at.
I believe I had purchased some of the ones you had gotten, and yes it was a total scam. People had already sold that particular house. Some had moved to a completely different state lol. I got got, but hey it could have been much worse. I just warn whomever I need to
😢.Praying that god will give u a way better opportunity and bless u abundantly
I found this on Facebook and i got a call and said im tired of the work i was doing and now I get my hopes up and I see this
Any update
Don’t believe everything you here on the internet either. I’m with them currently and doing very well for myself. Personal freedom and financial freedom are amazing. It really is the team you are centered around. My team structures my lead flow with the amount of income I’d like to see. If you want to make money, you got to spend it. Just sounds like Jane didn’t put the work in or didn’t believe in the process. In every business there is a process. Believe in it and you will thrive.
Scamming is. Ow what this industry is about. Go to any other company, they get you to sell to your friends and family. I’d rather buy leads than sell to my family. I’ve done both.
@timbryant3775 how do you know if your aligning yourself with a good upline?? I'm "interviewing " or logging into the initial zoom meeting this week but how would I know if it's a crappy upline?
I was w FFL as well. I went to Benzy as I was told and they had a video on here saying they targeted small businesses. I invested 4 k thinking I was home free. Turns out they were the exact same lead types you’re talking about. I 100% believe the owner of Benzy picks and chooses who gets these exclusive leads and I wasn’t one of them. When I started complaining I looked for their video again and it was nowhere to be found.
I just vancelled my interview with someone names summer. I wont be going thid route for sure! Thank you!
Thinking the same her tbh
I am sorry to hear this. I have never joined FFL. I was tempted. I do believe yours is a unique story though. Most of my encounters with ppl from FFL are legitimate. There are scammers in the business in every IMO, and probably a few in FFL, but for the most part, it comes down to hard work. Chargebacks are everywhere and not knowing your carriers and products will impact you. But as a licensed agent, you should do your due diligence and know better. That goes to everyone, even myself. If not, go get a job with salary plus commission. This is a career and a journey.
Exactly. It’s super convenient to blame other people for the fact that it didn’t work for you. There are better quality leads, great quality companies it’s just the industry isn’t a fit for everybody.
True. This is about FFL, not the industry. There are good companies out there. Don’t be mistaken by believing that my experience is industry-wide. This is about churning and lead fraud within FFL.
A lot of people are dealing FFL and their practice. There is a lawsuit against them right now. That doesn't happen with reputable companies.
Truth is this is not about the industry, FFL, lead fraud or churning for that matter. It’s more about you doing the same thing over and over and expecting a different result because that’s what someone told you to do, so clearly it must be that person’s fault. Even if everything your saying is true, and honestly I don’t know one way or the other, who’s fault is it really that you continued to reinvest your money, go into debt and allowed it to destroy relationships in your life?
@@totally-jana you know you don’t have to buy leads from them right. You can generate your own leads or buy leads from outside vendors. I know people that never bought a single lead they post life insurance educational posts on Facebook and other platforms and get clients that way and get referrals from those clients. If it’s such a scam, report them to the department of insurance
@@PortiaQueenThe lawsuit was DISMISSED because FFL is LEGIT. ❤
appreciate your sharing, how do you and have you navigated to find an trust worthy umbrella
What happened to you was very unfortunate Jana and I really hate you had to go through that. I've been with FFL for 2.5 years now and in my opinion, it's the best IMO out there. I've been in the insurance industry for several years and one thing I know is that you have to create your own source of leads/book of business. I believe your experience is due to the fact that you are new to the insurance industry and how it works. I use a referral based system and I educate before I sell anything. I've had only one chargeback in the 2.5 years that I've been with FFL and my gut told me this referral was not going to follow through. I just didn't listen to my gut. Minorities and the elderly need life insurance more than anyone, but they need to be educated first and a relationship needs to be built with them and then affordable solutions offered. I don't get involved with the hype of the business. I work it when I see a need to help someone. There are a lot of IMO's and captive insurance agencies that sell recycled leads. Once I realized that it wasn't cost effective for me, I got creative and came up with other ways to generate business and it's been working for me. I hope your experience doesn't cause you to hate the insurance industry because we really do need honest, caring agents to help protect families across America.
Family First Life does hire fake posters. I would not be surprised if kelliwilliams is in Pakistan.
FFL For Life, literally the best IMO, we’re so spoiled.
@@V7imnida How's life treating you in Pakistan? I know that family first life hires fake posters. May you be strong during the fast of Ramadan.
@@V7imnidafound the bot
I just joined FFL.
Honestly this sounds like you just had a crappy upline and didn't lean into the training and make it your own, which should not determine your success, but It can help shape your initial mindset coming in. Sorry to hear this. I've got an awesome upline and I'm writing 7- 10K/week in FEX and nobody bothers me at all, and I have my own script, my own leads, etc and I just do my job and deal with the stress of chargebacks as well. I am not trying to hit HOF, or even to build a big "agency" downline. I'm just selling the insurance and that's all I want to do and it's working great for me. Its a B2C sales process so there is more stress than I'm accustomed to since coming from a B2B sales process, but I've made amazing friends with my clients and have a great time visiting them and loving on them too. I avoid hanging around people like yourself that seem to have a "victim" mindset, and thankfully as a result I'm not a victim. I think you should just go on to a different industry more suited for your personality and emotional state is all.
Much of the time, the reason folks don't make it is because they just haven't done what it takes. She's giving actual examples of blatant dishonesty. Dishonesty is 100% unacceptable in any case.
Thank you for sharing your experience. I was going to join, but now I have changed my mind.
Me too
Do not listen to her
Problem is there’s a bunch of people saying the same thing. Even one guy generated his own leads on Facebook and he got introuble with ffl Bc he wasn’t buying there’s
@@Rockyw1980which guy? I know of a guy that was generating his own leads and ran a pretty large team. Leads in Integrity so good that a team leader would rather generate his own leads... Imagine that lol
When I found my own leads outside of FFL and shared my sources, I was banned from FFL FB groups and received a call from one under SM telling me to keep my mouth shut about other lead sources. You’re smart if you don’t drink the kool-aid.
Wait, I'm so sorry you caught a bad upline, we or my group and I are licensed with our state, we don't push buying leads, and when we call we say what we want, I added this to my tax business. I try my best not to buy leads, I strictly use referrals. We are able to help clients filter through their options. With the leads we get our money back if the number is disconnected, wrong number so on. Sounds like you ended up with the dissolved group. When I started there was a huge group who got busted for fraudulent policies. In FFL you are an independent agent, nobody can make you buy leads, make you call, make you write policies. I was contracted and been on my own ever sense. You make the money you work for, it's hard I'll admit that but it's so worth it. If your ever interested in doing it with good people let me know. Don't let one bad person/group ruin it for you, because I can guarantee with the right people none of this would have happened. I'm sorry again for your experience.
Charge backs aren't FFL fault, you have to build relationships with these people! When mine gets charged back I call the person and work something out! Americo pays 9 month commissions, I wasn't coached to do any of what your saying it's CRAZY!
I’m glad you are on your own. That’s important. It’s also important that you are not buying their leads and are working only from referrals. Unfortunately, my upline is still alive and active. They are high up. A while back there was a mass exodus from FFL and I’m betting that FFL told everyone it was because of fraudulent policies. It wasn’t. Be careful. Stay on your own and never buy their leads. If you ever leave, be aware of the release contract they will give you.
@@jessicamccright9599 they are literally worst. Thousands have had her exact same experience, including me. They lie, talk themselves up, and tell you to spend spend spend! I had an office manager encourage us to go into debt to buy more leads… terrible idea
@youngrav2311 I haven't had that experience, I haven't been told to spend a dime! I've made more money since Jan than I ever have anywhere else. I also do taxes though so my client base was already built up. If your ever interested in having a good experience hollar at me. I promise I won't make you spend unless you want. It is your own personal job to find leads though, and you start at 80% and move up based on sales. I can offer lead assistance first starting *free) I'll pay for them. The uplines you all dealt with were crooks obviously.
What is a release contract?
I am a recruiter and it pains me to hear these stories. Most recruiters will onboard anybody with a pulse and make promises that aren't real. If you want to know the reality of income in this industry, go to the Bureau of Labor Statistics. This industry doesn't pay like most recruiters are leading you to believe. There is a 90% failure rate and most do not get the training that helps you to succeed. It is true that some do make lots of money in insurance sales, but those are the few.
Scammer
And sadly they are usually lying to the clients to close and no one advertises what their charge backs are..
I had the same story...buy leads and make calls, which I did and I broke my ass trying to make this work, but the leads were GARBAGE! I spent $1,000's on leads! The business to be in is SELLING LEADS! not selling insurance policies! Sean is making a TON OF $$ getting kickbacks from the lead companies, and the managers as well are getting a piece of any leads that are sold.
Thank you. I’m wondering if I should go back to prime America all these agencies are shady I need to get my start somewhere
I love working with FFL. You could sell Mutual of Omaha first or whatever carrier has the best price. I feel that this is a great opportunity. I understand it didn’t work for you, however you are taking this to the extreme. Where else can you make over $1000 in a day. Charge backs are part of the business. And I don’t agree the leads are all sorts of people that have a lot of money too. Your are really playing this up in my opinion. You could of stuck in it longer and it could of gotten better in my opinion.
Did she said she called somebody who had been dead for months? My goodness.
Taking the steps to generate your own leads will stop this from happening. That way you know that the person your contacting is in fact looking for your services. That itself gets costly for the software, but you know the leads are legit.
Too bad I realized this after it was too late in my career, I made a lot of sales. Which turned into charge backs. Then I realize I needed to generate my own leads. It was too late I was too deep in the hole
This is true, but you have to keep it a secret from FFL. When they found out I was working to generate my own leads, I was banned from their platforms.
@@totally-janawow! They banned you because you didn't participate in their ponzi scheme?! I was with them early last year and I experienced the same as you. I found a bunch of other things I didn't like, but nothing that wasn't already said in the NAAIP interviews
@@totally-jana Jana - Thank you! I would love to talk to you sometime. Let me know if you have any interest. God Bless.
@@totally-jana they never banned you from the platform for generating your own leads. I will literally help you get an entire law firm on this case and they will get you your money back and everyone else that was “scammed”
What are you doing now? I had the same experience at SFG & FFL.
The most effective way to save others is to make a video. Obviously committing fraud is illegal. You can complain to the FTC, your attorney general and the department of insurance but making a quality video is most immediately effective to cause there to be less victims.
I'm still serving people! www.stemcelltherapysolutions.com
I believe in the product and I like the compensation plan. You can contact me for more information through the website.
I came across this I am interested in this new venture of yours I was also in the same situation as well
@@juvyedomingo what would you like to know?
You are brave and awesome. Thank you for telling your story. I appreciate you.
Everyone is entitled to their perspectives, I agree with that. However, I had a phenomenal experience so far and I'm thriving for the last 3 years with this company.
Got out too. I'm gradually replacing all the funds I lost in the year I was there.
What they don't tell you is that insurance is a saturated market. If you can do well at it, Great, but most don't.
Thank you so much I tried working with them be couldn’t because I didn’t trust having to buy leads from my upline. I figured it was a niche business for him .
I’m loo for an appropriate agency
Sorry that this happened to you.
Thank you for having the courage to post this.
It’s not your job to judge what people can afford or what they want or desire.
Your job is to present a product, and if they wanted it and saw value in it, that’s their decision to purchase it.
It’s comments like yours that make experienced salespeople with integrity (like myself) look bad.
At the end of the day, you are using the art of persuasion and communication to make money, so be on the up & up for God’s sake. If you can’t do that, then what you’re selling must suck, period.
People can be impressionable and naive for different reasons- like in times of need or stress. I would never take advantage of someone by signing them up for something knowing they couldn’t afford it, ESPECIALLY if they were minding their own damn business and I seeked them out as a sales lead. I like being able to sleep at night, and guess what? I made 5.1M in sales last year. 🎉
Please don’t listen to this guy. Stay human, all. ❤
It is your job. The law requires you to act in the best interest of the client and if you do a proper needs analysis, which you are required to do, it will reveal what they can and can not afford. Especially if you also hold your series 65.
I just want to say this is a perspective not the only one
If you did a little research on the history and legacy your final expense sales, you would understand it always serviced a community neglected by most others in financial services.
You can do your own advertising and mailings. Just like a self employed, do your own mailings.
When the stimulus came out I heard these agents telling people that they could qualify for life insurance due to the stimulus
THIS TOOK COURAGE...THANK YOU...❤
Beawre of any company that tells you that you have to pay a monthly fee or buy leads. It is a way to get them more money.
Thank you for sharing your story. I attempted to work with them and never could make sense of how they were scamming everyone. On a call I asked very pointed questions about the leads and was immediately met with anger. Although I called and called and nothing. I was told that my lack of work ethic was the issue. I left them allow but was burnt to tune of $1,300 on leads.
Yes. You’ll notice that everyone who has posted comments in favor of FFL all say the same thing. “You must have a good work ethic,” “you must work harder,” - these are asinine comments because everyone knows that you have to work hard. When these comments are thrown around, they become a way to blame you for the scam they are committing and guilt you into believing you are the problem. That’s what con artists do. Again, if you get the sense that something is wrong, run the other way.
What Jana is doing is actually making a difference. Best if you can make a video.
@@totally-janaBINGO! LISTEN TO HER!
Thank you for telling your story. Thousands of others have similar.
Thousands of others have the total opposite story.
The most effective way to save others is to make a video. Obviously committing fraud is illegal. You can complain to the FTC, your attorney general and the department of insurance but making a quality video is most immediately effective to cause there to be less victims.
So the pattern you saw you still had a successful close rate once you entered the home …….so you took advantage also.
I wasn't even 2 minutes in, and knew exactly what she was going to say ... 40 years in Financial Services,
turned Business Coach, and why I teach Strategic Marketing to build your business, INSTEAD of falling prey
to things that just don't work ...
$500 to maybe as much as $2000 PER MONTH, will be enough to crush it in business ... Far too many in business
have no idea of the absolute power of a Business Coach ...Those that make the investment, and take that step,
NEVER look at Marketing or growing their business the same way ever again ...
Jana, you absolutely are not alone ... And it is multiple organizations, not just the one that you gave your hope and trust to ...
PS: ALWAYS make your contract pay you "as earned" ... Trust me, there is no other way to "build a business" ...
And, invest in or get the right guidance and advice, build the business you have always wanted to have ...
Curious, how do you get them to pay "as earned"? Every IMO I've been in makes almost impossible, except for Ethos. Or at least they did until FFL took over my Ethos efforts
Scammers
Please dont come at Itegrity because Intergrity works with Php Also they have nothing to do with it in which im in we dont have a lead System at Php Agency. In my opinion I think you just had a bad coach because every coach wont tell you to buy leads. The other Question is yea you made 10,000 a Week but the question is how much were the Premiums? If you seen low class Americans and you sold them high premium policies of course expect a chargeback. Its many successful people in these insurance businesses I know a guy making 150,000 a month in FFL i talked to him earlier he isnt telling people to pay for leads you just a bad coach its always one bad apple different offices different standards.
Shame on that lady, she’s reading her statement. She’s acting
I had done my research on FFL before joining, didn't find anything wrong. It looks like I did not do a good enough deep dive and I already have a few clients under my belt with FFL, not purchasing through CRM, though, thank God
Also you mentioned a person named Brittany, what's her last name?
im doing my course right now . Be honest is it worth it ? I have testing next week let me know asap.
@wunna5680 CRM leads that are second chance leads are old leads from other agents that did not sell them, most people that apply for life insurance, do it thinking they can do it themselves, realize it's not going to happen and then rinse and repeat with every other ad they see, they get mad they get so many calls and turn off their phone. It actually does over time get them to nolonger be interested in it. It's your job in that lead to convince them which is your learning experience to objections but your going to pay to learn thee objections.
Your best chance is to watch vids, or do health insurance first, which is what no one tells you that you need to apply first. I did get some help from my upline but due to my own issues, upline no longer talks to me. Vids are important to watch, specifically Steven Yee, he actually breaks everything down of how this works. No others in the business is going to really get into objections, funeral plans, etc, then Steven.
Don't let you upline hype you up or you'll get stuck in the muck OP is talking about.
@wunna5680 it's very much worth every penny, as long as you don't give up and buy other lead sources
@@Madcomplex I have 20 chapters to study . I was hoping to quit my job and just focus on that but I was told I was going to invest in buying leads . If you don’t mind me asking how much do you think you make monthly ? It doesn’t have to be exact just an estimate is fine thank you
@@Madcomplex I make 3.5-4K right now per month , I just wanna know if I’m able to make more than that and that’s it . They paid for my classes
Unfortunately in sales, you can’t trust other people to have your best interest at heart when they make a cut off what you bring in. It’s also essential for someone in sales to be able to produce their own leads to be truly successful, not everyone can do that, also it does sound like you were trained wrong, you should’ve never sold a policy to a family that can’t afford it, idc who tells you to, I think if you would’ve gotten better training you would’ve done better!
Common sense can’t be trained 🙄
I'm so blessed to have found a great company to work with. As a new agent with zero experience I have been able to generate a consistent income month after month. The company immediately contracted me with 6-7 carriers so I've always been able to find my clients the best policies within their budget. Part of our training is also to make sure that we are not putting the client in a situation where they are having to take money away from paying bills to pay for this policy. We DO NOT want that type of relationship with our clients. I can't believe this company is telling its agents to do this. So unethical. I'm sorry you went through this.
Who do you work for sincerely I want to get into this field but how and who is telling the truth or lies?
I’m sorry for your experience. You certainly worked with an unscrupulous branch of FFL. Not all branches of FFL are like this, and I know branches that properly educate their agents so that things like this do not happen. There are branches of FFL that tell their agents straight up that the CRM leads are not good, and give their agents access to vetted lead vendors outside of the FFL CRM. You definitely went through the pain of not having good managers, a bad branch, and a lack of education on how the industry really is. Your story is legitimate, but FFL is not a monolith. Also I will guess this is your first time working in a lead based business. Any lead generation has its pit falls, in every company, and every industry. I’ve worked in sales for years, and it’s the same across the board. Teaching any sales person to lie to customers is wrong in any industry, and I am truly sorry your managers were bad actors and hurt you and other agents in the process. They should not teach agents to sell to poverty stricken families, policies they can’t afford, or how to properly assess if someone even needs coverage.
It heavily depends on the branch you join, and the quality of that branch. Education and transparency makes all of the difference in direct sales. I’m glad to hear you are doing better.
oh man the BENEFITS OFFICE line. literally against the law right off the bat. yuck
Wait, you got to meet your upline?
Take that release of contract to the news get an attorney
That’s so crazy because I know hundreds of people who work with FFL and make great money sounds like you were looking for a handout and you didn’t get it.
According to the Insurance Journal, the success rate for new insurance agents ranges between 30% and 50%. Within three years of entering the insurance industry, the success rate drops to 11%. It's a tough business no matter who you partner with, or whatever leads you personally create or purchase Good luck in your next venture.
If you join an MLM it is a 99 percent fail rate.
Being scammed by misrepresentations and lies doesn't help one's chances of success, particularly when it's a contracted business partner with conflicts of interest. Insurance organizations shouldn't be run like multi-level marketing schemes. I hope she stays in the business and finds reputable MGAs to partner with.
@@RelifordInsuranceAdvisors The MLM model for recruiting new insurance agents is mostly a scam. Mostly (99%) lose.
I’ve been with FFL for over three years and have been issue paid over a million dollars. In my pocket, after expenses I have made about $400k. FFL is a platform in which you can grow a business or just get contracted with carriers for high comp. Each group is different. There is no scam🙄.
If you attached yourself to a shady group and did not work hard enough then please don’t blame the whole structure.
My group is like a family and we help people.
Yes, when you first start it is grueling 🤷♀️ but no one is going to hand you 100-200k with no experience without you going extremely above and beyond at first.
Sorry you failed but blaming others is an attitude that will only help to keep you failing. 🤷♀️
Its a scam
Yep went through the exact same thing with them. They are trash! Keep spreading the news
Funny I went through the exact opposite thing. I guess it's because I actually dial the phone at 8am sharp every morning like clockwork and I don't make excuses. I make sure I call enough leads until my calender is booked. I understand rejection is going to happen becuase I am an adult and I don't expect 350 leads for $4 to turn into 350 closed sales. A lead is not a sale. It's an opportunity to serve. That's all I freaking need and its NOT about me. it's about their family and my job is overcome objections and protect their family.
We all felt the same in the beginning. Do it with FFL long enough and you’ll realize that the leads target low income and minorities. You’ll also find, after you start writing over $10,000 per week consistently, that the churning will pick up. Keep a watchful eye. Hopefully those of us who have been scammed will have raised enough awareness that FFL will be more scrupulous in covering their business dealings. Meaning, maybe you won’t have the same issues as the thousands who have gone before. Just be careful.
What Jana is doing is actually making a difference. Best if you can make a video.
Can’t say enough about how bad this company is. I dealt with it first hand
I can't actually say anything negative about this company. As someone who started at 40% compensation and moved to this new company, this has been a massive upgrade in every single sense. Much more leads and 90% lower cost and 3x compensation for the same work. It's sounds like you don't understand what work means.
@@AlexPerazaTV😂 that's the same ad hominem attack higher ups always say. I personally experienced first-hand lead fraud through the "Integrity" lead center. "Exclusive" leads that my wife and I ended up getting each other's. Did a ride along with a guy and saw he had some of my same leads as well. Funny how that worked
@@shwnalan it's not an ad heominem attack if its a valid critique of your work ethic. for $1,000 you can get 350 leads (or 450+ with a discount code, which is common). You're telling me you worked so hard you couldn't sell a single policy talking to 350 people? I'm sorry but thats from laziness, not from hard work. With 350 leads, you should be able to talk to 150 - 200 people (going through the list multiple times. the first time you will talk to about 100 people right away. but multiple attempts will get more people on the line. not everyone can answer right away), book at LEAST 50-80 appointments and sit with at least 25-40 people and sell 10-15 policies MINIMUM.
But will require working your little tail off like you should be. If I call 150 leads, I'll talk to 50 people my first go around. I'll book 16 appointments for the next 2 days and close at LEAST 3 sales. I already covered my lead cost 3 times over. Minimum! 5xing your leads is highly profitable and easy to keep running your business.
calling 150 leads takes 5-6 hours. I start at 8am and i'm done by 1pm. 150 people, 50 talks, 16 booked, 3-4 sold. EASY! (when you actually work. If you only call 15 people an hour it will take twice as long. so make sure you are calling at least 30 people an hour)
TRACK YOUR NUMBERS!
What Jana is doing is actually making a difference. Best if you can make a video.
@@AlexPerazaTVI know Nick and Sean for over 20yrs buddy. You’re a fool. They build up the bags, to pad the balance sheets, then DUMP the business onto Integrity Marketing Group and do it all as a blood sacrifice with agents below. They send agents to collections when the agents figure out how useless the company is. Y’all goofy af 😂
What a bunch of crock with FFL. Best compensation in the industry yet GW guaranteed issue is only a 30% and graded 35% for example. So shady, does not even show that on comp grid. Not to mention will be told a certain comp yet when talked directly to carrier, it is less than that. The discrepancy is always in FFL's favor yet never reimbursed for that "error". Lastly videos and agency owners state that they are non captive and will release at anytime, yet will not sign releases. Will say oh that used to be the case, but not now. Will say does not want to get in trouble with Shawn Meaike as a deflection because want to continue getting massive overrides. This is a slave masters' mentality that you will work with us or no one else by not signing the releases. The alternative to that is to say that you can just release from the carriers which is not true. You have to go 6 months without writing business because the releases that agents were told will be signed are not being signed off on. Shawn Meaike ignores messages, Corinne in corporate claimed was the top of the chain in regards to releasing yet was no help,and Paige Lohmueller is a big liar and says she can not do anything which was a lie. Asked her to forward email showing was told could not release, said oh it was a text. Ask to send that then, and she refused because she was lying big time.
This is sad to hear, short of the leads issue it sounds like it was just a bad office. There are so many places like this out there. This is why it pays to do your due diligence and research before purchasing anything. Also, from what she said there is one hell of a case for criminal misrepresentation telephone fraud. Her first stop should have been to the District Attorney's office coupled with a call to the state's Insurance Commissioner to file charges against them. Her allegation of elderly fraud alone is enough to start one hell of an investigation. From what she described with the lead company being linked to FFL, sounds a lot like organized crime. I work in this industry, and I will not purchase leads, I advertise using digital flyers on local news and radio stations free billboards, I hand out cards and stickers and wear tee shirts advertising my independent brokerage office. Sadly, I never heard her say anything about talking with investigators or prosecutors.
Hello do u recommend any company to work with?
I don't have any companies to recommend working with, but I will say which ever one you do go with do your due diligence by doing a through research of them. @@jay5281
If you want some juicy videos, I used to film "dialing sessions" with 20 or 30 FFL agents someone on zoom and sum in the same room as me, I have hours of video of these agents just straight out lying
If you buy leads, why are you saying that you are calling from some place. Shouldn’t you be saying you’re providing information that they requested
You put it perfectly- these aren’t business men, they are scam artists who are trained to lie to their agents and bully them into submission. I sincerely hope that Shawn and his merry band of criminals (Paul McLain, Andrew Taylor, Trey Honeycutt etc) will get what they deserve.
So you wanted to scam people but got scammed? Is that correct?
This is why one should always buy leads elsewhere. True real-time leads. Many MLM and IMOs do the same things with their leads. This sucks that this happened to you.
You’re obviously a skilled salesperson. I hope you go out and get a legit job with a legit insurance or mortgage company.
Real Financial / Family First Life....scam.... people will say "oh cause you were not good"... lol the TOP producers were struggling even though their sales were sky high. Sales does not equal profit....
Sue them immediately
Not really buying this. There are many many successful people in this company that buy a lot of leads. If the people didn’t fill the leads out to begin with, how would they become leads?
In a respect, you are right. Because a lead is only new once. If it is not resolved as a sale, that it gets reconstituted as an aged lead. The leads also originate from lead vendors which are third-party sources. I do believe churning takes place but it takes place industry wide and not just limited to the life insurance industry. This also happens in real estate and many other industries that utilize leads to generate business.
Some of your points are valid, and others are simply whining about your experience, which is not valid because others have become very successful in the same system that you were in as well.
As far as taking legal action against FFL, anybody can sue anybody over a gumball. That is not an accomplishment in and of itself. A verdict on the other hand speaks louder than someone’s rotten experience. Seriously, what insurance company, multilevel, marketing company, big chain retailer has not been sued? Big targets and deep pockets, people go after them. Why are you any different?
Sounds like every other agency not just FFL 😂
Insurance industry is very challenging. I bought leads from family first life, it’s not the leads is your persistency calling them. You have to develop a skill of closing a sale.
It’s not for everybody, but it sure is not a scam😊
With thousands of stories that match mine, I think the scam I experienced is not an isolated incident. Especially since I was writing $10,000 per week. My closing rate was nearly 100% in the home. I definitely wasn’t the problem. The problem was churning and the resale of my “exclusive” leads.
You’re goofy af. Go look up the FTC claims against them my guy. Gas lighting the victims.
Most of the leads sold, are bad leads. They are leads that come from illegal telemarketing. Family First Life has been sued MULTIPLE times for this.
If the bulk of their money comes from their own recruits buying their leads how is it not a scam?
Skill? Having to find and delete the hundreds of videos making false income statements or be fined by the FTC is a skill
Crap business with extra high charge backs, usually because the client can't actually afford the premium 👎
Thank you so much for this
No problem 😊
What a shame
I'm sorry that you had it so rough.
I really found an upline that has built up a beautiful agency full of integrity. I've got so much support, we do weekly meetings and use discord and zoom, and the whole team focuses on the best interest of the clients. They trained me to not even sell a policy to someone who can't afford it.
There are crappy people in any indusry, but there are good ones too.
I sincerely hope you can recover your financial losses and even hold the people who lied to you and used you accountable.
I'm wishing you all the best. 🙏
They are simply lead sellers and bad ones at that
Thanks for sharing your experience. I'm so glad I walked away before onboarding with them. I didn't like the "pyramid" nature of their organization and got suspicious after reviewing their websites. I didn't see the benefit in aligning myself with an organization like theirs when there are other reputable managing general agencies that can provide access to dozens of carriers, not two or three. I'm so sorry you were cheated and lied to. They need to be exposed to the world. Keeping secrets only prolongs the suffering of many people. God bless.
it's interesting because FFL is actually one of the highest quality, if not the highest quality IMO on the marketplace. I used to be a top perfomer for another company and they don't even come close to FFLs platform.