Pros
Ability to generate fast cash but it isn’t really yours.
Cons
Im writing this review in hopes that it will reach someone like myself who looking for an opportunity to better themselves financially but not at the cost of betraying their ethics. Let me start off by saying FFL can be profitable to the right people- it is a thru and thru multilevel marketing organization who’s business model is heavily recruitment focused. The people that will succeed with FFL are the ones who are willing to start their own agency and go all in on being a motivator to people at the bottom of the ladder. However those that choose to do that will have to be ok with engaging in strategies of deception in order to attract people into becoming agents. This includes inflating the amount of earnings an individual producer can generate on average, omitting the basis in which agents are paid for the business they write and creating a misguided culture of belief that the FFL system works for anyone who is willing to work hard. I’ve even seen recruitment tactics go as far as doctoring an image to claim FFL was rated one of the top 10 places to work in the US and credited LinkedIn as the source, and this was shared to a Facebook group by a partner in the company. FFL claims it was designed to help its agents create a stronger financial future for it employees, hence “family first”. In reality FFL profits off of every agent that comes aboard and fails. They do this by reframing the standard structure of an MLM organization from paying for training to paying for prospects. Make no mistake, FFL SELLS LEADS and the quality of these lead systems are incredibly poor. I have a feeling Glassdoor may suppress this review if I go to far into detail on this one, so in short I’ll say the leads you will buy are not going to be transparent in the nature of how they are generated or the language used to attract prospects into filling them out. This puts you at a massive disadvantage. I don’t want to write a book here, but there is definitely more I could say about FFL. I’m sure FFL will respond to this review placing the blame on myself for not having the willingness to work hard but this just proves my point even further. FFL’s whole success is by creating a culture of blind faith in its system and to ostracize any of those whom it doesn’t work out for as “lazy” or “this job isn’t for everyone” even though one of their most utilized recruitment slogans is “anyone can do this”. My advice is this: don’t be fooled by the things FFL markets themselves as, or the flood of positive reviews that FFL incentivizes their agents to write (lead discounts ). You may speak to someone within FFL who isn’t an agency owner that raves about how great the opportunity is (I went through this phase myself): keep in mind that this strongly resembles the mindset of a cult member- when you already invested so much time, energy and money into something, it is hard to admit to yourself that it’s too good to be true. No one likes to admit that they’re wrong until reality slaps them in the face. If you are one of the types who is monetarily motivated and are ok using methods of deception in order to achieve your goals, then FFL might work for you. If you’re like me who is simply looking for a good opportunity to earn an honest living and be free of financial stress without having to betray their ethics, then I would highly suggest staying away. I challenge any new recruits to ask their potential upline these questions: 1. Does the comp structure apply to every one of the companies/products that you write business with? 2. If I decide to leave the business will I have any liability to pay back the insurance companies for policy cancellations? 3. What kind of liability will I face if I recruit and my agents leave with debt to the insurance companies? Keep in mind when they respond you’re dealing with salesmen. Best of luck to your all!
