Frequently Asked Questions

What is an IMO?

An IMO is an Independent Marketing Organization. IMO's provide support to independent insurance agents.

Is this a W2 or 1099 position?

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

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

Do you need any qualifications or experience to get started?

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

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

Is Family First Life a captive agency?

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

Do we have to sign any contracts?

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

Are there any startup fees?

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

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

Is this an MLM?

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

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

Where are you located?

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

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

Do you have leads?

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