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Family First Life is a life insurance MLM company.

The firm was established in 2013. There is a corporate address in Connecticut provided.

Shawn Meaike is the CEO and President of Family First Life.

According to Meaike’s LinkedIn page;

After receiving my Masters Degree, I worked as a social worker for the state of Connecticut and also earned a real estate license to augment my income.

I worked two jobs for 15 years simply to keep my head above water.

When I originally learned about this possibility, I was ecstatic about one aspect.

NAA had hundreds of leads that were filled out and signed by people who WANTED insurance, and I was paid $550 on average for each individual I assisted.

In 2008, I worked part-time for NAA and made $296,000 in my first year… I was enraged!!

I resigned both jobs to work full-time for NAA, and the next year I made $602,000.

I 1099’d 1.4 million dollars last year.

I never saw myself as a millionaire; I just wanted to help people and was frightened of being broke.

Andy Albright, NAA’s president and CEO, personally supervised me and taught me how to follow the extremely basic system in place.

Another life insurance MLM is National Agents Alliance (NAA).

While Maike’s LinkedIn page may appear to be glowing, his separation from NAA in 2013 was acrimonious.

According to NAA;

Meaike informed NAA of his intention to leave on December 12, 2013.

NAA claims that before leaving NAA, Meaike founded FFL and actively encouraged other NAA agents to join FFL.

Superior Performers, NAA’s parent business, later filed action against Maike and many former NAA agents in December 2013.

NAA claimed in its lawsuit:

Each Defendant’s solicitation of NAA’s agents constituted a breach of the Agent Agreements.

Meaike, (Marc) Meade, and (Bryant) Stone, according to information and belief, have likewise breached the non-competition terms in their Management Agreements.

Meade is a well regarded Family First Life affiliate. Bryant Stone’s current information was unavailable to me.

The NAA’s case against Meaike was long, with over 400 documents.

In January 2017, the matter was resolved through mediation.

NAA filed an additional trademark infringement case against Family First Life in May 2014.

That lawsuit was dismissed quite quickly, in February 2015.

Naturally, Meaike’s time at NAA had an impact on the creation of Family First Life.

Having said that, Meaike appears to be emphatic in marketing presentations that he is operating the firm his way.

Continue reading for a comprehensive assessment of Family First Life’s MLM offer.

The Products of Family First Life
Third-party carriers write Family First Life market life insurance products.

The Family First Life website has no information on life insurance products.

Instead, Family First Life’s website promotes the company’s earning prospect.

Compensation Plan for Family First Life
On its website, Family First Life does not give a copy of their compensation plan.

I attempted to get this information elsewhere but came up empty-handed.

Family First Life does offer a hazy summary of their compensation scheme.

Here’s what I discovered after cross-referencing this with official marketing videos.

Policy Commissions in their First Year
Family Each insurance sold by a First Life associate earns a first-year commission.

According to the company’s website, a 90% commission is provided on first-year monthly premium costs.

According to additional study, Family First Life’s first year insurance commission rate ranged from 80% to 140%.

Monthly personal insurance volume or total downline monthly policy volume determines specific first-year policy commission rates.

It should be noted that in both cases, a commission rate is eligible for by meeting the requisite insurance volume for two consecutive months.

The commission rates for personal volume first year policies range from 80% to 110%.

Starting first year policy commission rate – 80% generate $5000 in policies for two consecutive months, 85% generate $10,000 in policies for two consecutive months, 90% generate $15,000 in policies for two consecutive months, 95% generate $20,000 in policies for two consecutive months, 100% generate $30,000 in policies for two consecutive months, and 105% generate $40,000 in policies for two consecutive months.
A unilevel compensation system is used to track downline volume first year policy commission rates.

In a unilevel compensation system, an affiliate is put at the head of a unilevel team, with every individually recruited affiliate placed right under them (level 1):

If any level 1 affiliates acquire new affiliates, they are assigned to the original affiliate’s unilevel team at level 2.

If any level 2 affiliates recruit new affiliates, they are promoted to level 3, and so on for an unlimited number of levels.

Downline volume (GV) is limited to 50% of the minimum volume for each unilevel team leg. It also covers the policy volume of an affiliate.

generate $15,000 GV for two consecutive months and receive a 90% first year policy commission rate generate $20,000 GV for two consecutive months and earn 95% generate $25,000 GV for two consecutive months and earn 100% generate $75,000 GV for two consecutive months and earn 105% generate $100,000 GV for two consecutive months and earn 110%
generate $150,000 GV over two months and earn 120% generate $200,000 GV over two months and earn 125% generate $250,000 GV over two months and earn 130% generate $300,000 GV over two months and earn 135% generate $350,000 GV over two months and earn 140%
It is important to note that once a first-year policy commission rate has been qualified for, it is guaranteed regardless of subsequent monthly insurance volume output.

Direct commissions are calculated by Family First Life based on the total yearly fee payment.

75% of the yearly policy commission is paid in advance.

The remaining 25% is spread out across the policy’s 10 to twelve monthly payments.

For the 100%+ commission rates, policy fee payments are presumably “borrowed” after the first year.

Second Year Policy Commissions Family First Life is ambiguous about commissions paid on plans purchased after the first year.

Renewal commissions are paid on certain types of insurance on an annual basis when the contract renews at the end of the year.

The renewal commission is typically 5% of the Annual Premium.

Commissions are only paid on “certain” insurance, with no percentages specified.

Residual Commissions Family First Life is equally secretive about their MLM company.

We know residual commissions are paid as overrides, in which higher-ranked affiliates earn percentage differences from lower-ranked affiliates in their downline, but specifics are not supplied.

The override commission is equal to the difference between your and your agents’ commission levels.

Override commissions are typically 15% of the Annual Premium.

This would imply that the 90% figure for First Year Policy Commissions is not set.

Override style commissions are often connected to rank. There are ranks within Family First Life, but information aren’t available on the company’s website.

Bonuses In one Family First Life marketing video, Shawn Meaike mentioned bonuses, which are granted to affiliates when those behind them achieve 140% commission rates.

There was no more information offered.

It is completely free to become a Family First Life affiliate member.

The firm underlines that no contracts are signed by its affiliates.

Conclusion
Shawn Meaike appears to be a straightforward individual based on the Family First Life marketing films I saw.

I don’t know him from a bar of soap, but he seemed open about the business. This begs the question of why no comprehensive compensation information is supplied.

This struck me as odd, given that Meaike was otherwise forthright about different business metrics.

The primary business plan of Family First Life is to sign up, acquire leads, and sell life insurance products.

The leads are allegedly offered by outside parties, with Meaike asserting that Family First Life is not participating.

Meaike boasts that Family First Life affiliates have access to “hundreds of thousands of leads,” indicating that this is an effective marketing tactic.

[9:02] We receive millions (of leads). I mean, we can generate leads like we couldn’t hire… We’d have enough leads if a hundred thousand individuals viewed this and everyone joined and sold.

Meaike argues that they are warm leads, meaning that the “leads come to us.”

This is accompanied by what the firm refers to as “aggressive compensation,” which may reach 140% per policy. According to Family First Life, the “average payout per policy is $675,” which is “far over the industry norm.”

What distinguishes Family First Life as an MLM opportunity is your ability to capitalize on the leads offered. Or have your downline do it.

Personal policy sales can only take you so far. You’ll need to create a downline if you want to maximize your earnings with Family First Life.

After all, this is an MLM firm, so that’s not a bad thing.

In theory, Family First Life might be considered a pyramid scam if the majority of policyholders are affiliates.

Given how extensively the corporation promotes “buy leads, sell to leads” marketing, I don’t believe this is the case. Even if you attempted, given the needed policy volume, it would be a significant task.

What I can’t swear to or even estimate is the caliber of Family First Life’s leads (provided through undisclosed third-parties).

And this brings us to a pitfall that you should be very aware of. With Meaike promoting given leadership, the stage is set for “it’s not us, it’s you.”

While this may be true in certain situations (selling life insurance is not for everyone), it may also trap people in an unending loop of purchasing leads that never go anywhere (for whatever reason).

Signing up for Family First Life is free, but purchasing leads is. And this is a financial trap to avoid.

Set precise lead purchasing targets for a few months and adhere to them based on what you’re comfortable spending (don’t go into debt buying leads).

Evaluate your current situation. Don’t get caught down in assigning blame if your leads aren’t converting. It may be you or one of the leads. It may be either.

You should cut your losses and move forward.

The largest financial danger with Family First Life as an MLM opportunity is falling into the “if I just purchase a few more leads, I might make a sale” trap.

Family First Life isn’t for you if you’re not comfortable buying leads and following up on them. That is their business model, and it will not change.

Another thing to bear in mind is that a 140% commission does not appear out of nowhere. You’re counting on your customers to retain their insurance for at least a year.

If this does not occur, you will be subject to a clawback (remember, the 75% commission is paid out upfront).

Personally, I’d want to see more clarity on the Family First Life website about their pay scheme. I understand that insurance is difficult, but even simple fundamentals would go a long way.

To demonstrate how this causes misunderstanding, consider the compensation scenario presented on Family First Life’s website: a 90% commission.

Meaike flatly denied this figure in a September 2020 Family First Life marketing film.

[0:31] I didn’t want someone to be paid forty, fifty, sixty, seventy, eighty, or ninety percent of their salary.

I don’t care where you go, but if you’re making that much money, you should resign.

Maybe that’s not the message you want to send when the single commission example on your company’s website is 90%.

Family First Life does an excellent job of maintaining their YouTube channel. It’s jam-packed with information and instruction.

Before committing to anything, at the absolute least, run it through. It should offer you an idea of the company’s culture.

I believe there is a wasted opportunity to incorporate much of what is buried away on Family First Life’s website.

Finally, keep an eye out for affiliates who are attempting to recruit you in the hopes that you and others recruited would do all of the work.

There are no minimum personal policy volume restrictions in the highest echelons of Family First Life.

Check to see if the individual you sign up with is genuinely earning personal insurance volume each month, otherwise you may be joining a dead end.

Shawn Meaike states that Family First Life’s typical personal monthly insurance volume is $9200. (September 2020).

In general, insurance MLMs are complex, with a lot to take in. Allow yourself plenty of time.

5th April 2022 – Update Earlier this week, Family First Life removed a YouTube video in which Shawn Meaike slammed 90% commissions.

The cited video was linked in this article, but due to its removal, I’ve disabled the previously accessible link.

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