Cover - Family Heritage Insurance Agent Career Review

Family Heritage Insurance Agent Career Review

By David Duford - January 03, 2023 - 5 Mins Read

Disclaimer: We are not in any way affiliated with Family Heritage Insurance. In fact, we are a direct competitor of theirs. This article is our personal review of their agent sales career opportunity and our personal opinions of the company. If you are looking to contact Family Heritage Insurance directly, call them at (844) 726-4371.

Do you want to learn more about starting a career selling insurance with Family Heritage?

If you are trying to decide if working with Family Heritage as an insurance sales agent is a good idea, you’ve found the right article.

Let’s jump right in!

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About Family Heritage Insurance

Family Heritage Insurance Company of America was founded in Ohio in 1989 by Howard L. Lewis. In 2012, it became a wholly-owned subsidiary of the Globe Life insurance company, formerly known as Torchmark Corporation.

Family Heritage serves individuals, families, and small businesses throughout the country.

The company is licensed in 49 states. It is headquartered in Cleveland, Ohio, and has its executive offices in McKinley, Texas.

Products Sold

Family Heritage offers a wide range of insurance products including life insurance policies. It sells whole life and term life policies with simplified issue, meaning there is no medical exam required.

In addition, they have supplemental insurance products to help pay for the costs of illnesses not covered by health insurance policies such as cancer, heart disease, and stroke.

They also provide hospital indemnity insurance that covers hospital costs not included in standard health insurance and accident insurance products.

How selling with Family Heritage Insurance works

Family Heritage sells insurance products through captive agents. Both experts and agents who are completely new to insurance sales can get appointed. Because the agency provides training in insurance sales, anyone can succeed regardless of their professional background and previous experience.

At Family Heritage Sales Academy, agents are taught necessary business skills and sales systems to help them successfully start their career such as product presentation, the cycle of the selling process, maximizing financial opportunity, and running a successful business.

According to the company’s website, there is no limit to the amount an agent can earn. The more you work, the more you get paid.

Family Heritage agents are also rewarded for their achievements and encouraged to grow professionally.

Family Heritage Insurance leads

Family Heritage doesn’t disclose how its insurance agents generate leads.

Most likely, if you are a new agent, you’ll have to start by cold calling for prospects or work with friends and family for sales opportunities.

If your sales are high, management may provide leads as compensation for your work.

Family Heritage Insurance commissions

Family Heritage agents earn full commission and the company claims to be among the highest paid career professionals in America.

They also offer various bonuses and compensation based on effort and performance.

Is Family Heritage Insurance a scam, MLM, or pyramid scheme?


Family Heritage Insurance is not a scam. The company holds an excellent A rating with AM Best and a superior A+ rating with BBB.

Thanks to its financial strength, nationwide reach, and well-known parent company, it has developed a reputation as a financially stable insurance carrier.

This is not a multi-level marketing (MLM) business opportunity or pyramid scheme. In other words, it doesn’t have multiple layers of agents, mentors, and trainers. It is, therefore, not suitable for agents who are primarily looking to recruit.

How To Quit Family Heritage

There are many reasons you may want to quit Family Heritage, for example, you ran out of money to invest in leads, you ran out of prospects to sell to, or you simply found that the business of selling insurance wasn’t a good fit for you.

The good news is, quitting Family Heritage is easy.

Here’s how to do it.

First, start by doing your due diligence and find another insurance agency to work for. We recommend you review our Free Agent Resource Guide here for tips on finding a quality insurance agency to join.

Once you find a new agency or carrier to join, you can go ahead and switch your affiliations.

You should keep in mind that as an insurance agent, you are licensed by the state and not by the company. No insurance agency can prevent you from stopping your affiliation with it and doing business with another organization.

You may need to cancel the affiliation with Family Heritage. The termination usually needs to be filed within a 30 day window, however canceling affiliation is not always mandatory.

To become properly appointed with the new insurance carrier or agency, you simply complete contracting with the new insurance carrier.

Typically, the window for companies to process affiliations is very short, with most companies approving insurance agent carrier appointments within 1 to 2 weeks on average.

Bottom line, quitting Family Heritage is no big deal. Simply find another organization that’s better suited to your insurance sales career goals, submit contracting through the new organization, and within the next few weeks, you’re good to go and can stop doing business with Family Heritage.

Companies Like Family Heritage

Let’s take a look at some insurance agencies and companies similar to Family Heritage in case you’re interested in doing a comparison.


Symmetry Financial Group is an insurance marketing organization based out of Swannanoa, North Carolina.

SFG specializes in several life insurance markets, primarily the mortgage protection insurance market. The company also offers final expense insurance, a type of whole life insurance designed to cover medical bills and funeral expenses after the policyholder’s passing.

Bankers Life

Bankers Life was established in 1879 in Chicago, Illinois. The company is a subsidiary of CNO Financial Group.

Bankers Life offers life insurance, long-term care, annuities, Medicare (Supplements, Advantage Plans, Part D prescription drug coverage), critical illness insurance, as well as vision and dental plans. It targets the senior market, typically people age 60 and older who are near retirement.

People Helping People (PHP)

People Helping People was established in 2009 in Northridge, California. The company serves the middle markets for insurance-based financial planning. It focuses on term insurance, index universal life insurance, and fixed indexed annuities.

American Income Life (AIL)

American Income Life, a wholly owned subsidiary of Globe Life Insurance, is a major provider of supplemental life insurance. The company was founded in 1951 and is headquartered in Waco, Texas.

American Income Life’s core markets are labor unions, credit unions, and associations for insurance solicitation. Its insurance products include life insurance and supplemental health.

New York Life

New York Life, established in 1845, is the largest mutual life insurance company in the country. It offers premium life insurance, long-term care insurance, retirement income insurance, and investment plans, including annuities, mutual funds, and ETF saving plans.


USHEALTH Advisors is a wholly-owned national sales and distribution subsidiary of USHEALTH Group, one of the largest employers of health insurance agents in the United States.

USHEALTH offers individual health coverage plans and a number of related supplementary products. It specializes in marketing innovative and affordable health coverage plans. The company is focused on providing healthcare solutions to individuals and families, as well as self-employed and small business owners.


Equis is a marketing organization for independent insurance agents and agency builders.

Its main product is mortgage protection life insurance, designed to reduce or eliminate the threat of foreclosure or eviction if the insured passes unexpectedly. The company also offers final expense, living benefits, and indexed universal life insurance products.

Freedom Equity Group

Freedom Equity Group, based in Arroyo Grande, California, is an independent marketing organization (IMO) that contracts with insurance companies to promote and distribute a range of life insurance products.

Freedom Equity Group focuses on selling life insurance and annuities. Its main product is indexed universal life insurance, a form of permanent coverage that provides a cash value in addition to life insurance.

My Thoughts

Now that you know a bit more about how Family Heritage Insurance works, I’d like to provide some context on insurance sales in general.

I’ve been selling insurance as a personal producer since 2011, and I’ve recruited agents to become top producers since 2013. I’ve seen too many agents come and go, and the problem I’ve noticed is this:

A lot of agents joining the insurance industry fail because they don’t have the necessary expertise to know which insurance agency to choose.

That said, here’s what I think about Family Heritage insurance.

Captive Versus Independent – Understanding the Difference

Earlier on, we mentioned that family heritage is a captive agent Insurance Agency.

Just in case you weren’t aware, “captive” means that you are an exclusive agent to that particular agency or insurance carrier. In other words, you ONLY sell one company’s or carrier’s products.

Perhaps this doesn’t sound too problematic. But believe me, as a salesperson in the insurance world, it’s a significant disadvantage.

Here’s why. Most agents nowadays are independent. And independent agents have access to multiple companies and multiple carriers! Meaning they can compare different policies to find one with the best chance of matching their client’s budget and goals.

A captive agent doesn’t have this luxury. Who’s to say that the one product they represent is the best choice for every single client?!

More Insurance Options For Your Client Is GOOD!

When it comes to pricing, underwriting, terms, and more, each client will have individual needs and goals they wish to accomplish.

And as you can imagine, if you sell an inferior product, you won’t close on as many deals. Plus, there’s a much higher chance that your clients will switch to a more competitive offer in the future.

As such, in my insurance sales niche, “final expense,” I operate as an independent agent with access to more than 20 different carriers.

This translates to more sales, better results, happier clients, and more of my policies remaining in force long term.

Keep this in mind if you’re considering joining Family Heritage insurance.

Don’t get me wrong, though. Just because your captive doesn’t mean you cannot be successful. It simply means that there are potentially more obstacles in the way than if you were an independent agent.


I hope you enjoyed this article and now understand a little more about how an insurance sales career at Family Heritage works.

I train new and experienced agents to become top producing agents in final expense, Medicare Advantage, and annuity sales.

If you’d like more information about how my organization works, click the link here.

Make sure to also check out my agent success stories as well as my best selling insurance sales books.

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