Family Heritage Insurance Agent Career Review

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.

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

Don't be a captive final expense agent.

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