David Sharpe bio

Just under 75 million Americans are enrolled in a private insurance plan and millions more are in the market for a private insurance carrier.

This is where companies like Family Heritage Life come in. People who don't qualify for insurance through, for example, their work are able to purchase insurance packages that cover basic medical care or select packages that suit their specific needs.

Why are we talking about Family Heritage Life? This company offers the opportunity to join their sales team and start selling insurance on your own time. The question is, is it an opportunity worth taking?

We're always looking for ways to boost your knowledge of online business endeavors and marketing. Now, we're going to look at Family Heritage Life and discuss the pros and cons before letting you in on some secrets to success.

Family Heritage Life Pros

Family Heritage Life is a well-rated insurance company, both by employees and clients. Let's take a look at some of the reasons that working for Family Heritage Life as a member of their sales team can be a good opportunity.


When you work for Family Heritage Life, you set your own hours. This is one of the biggest reasons that many of us go into things like contracting, MLMs, or building online businesses of our own. Being able to decide on a schedule that suits your lifestyle comes with a certain level of freedom that the traditional 9-5 can't match.

Opportunity to Make More Money

Family Heritage Life offers pay based 100% on commission. That means that you're not locked into a capped salary. If you can take on a bigger workload and master the art of selling insurance, you can always find ways to make more money.

Opportunity to Learn the Insurance Business

The insurance business can be extremely lucrative but it can also be difficult to tap into. Working for a company like Family Heritage Life gives you the opportunity to gain valuable, resume-building experience without requiring that you go back to school or take an entry-level position for a few years. If you're hoping to transition to a more stable or permanent insurance job, Family Heritage Life can be a good starting place.

Opportunity to Make a Difference

Family Heritage Life offers additional healthcare packages that can be crucial for patients with cancer, heart disease, and more. By helping people select an insurance plan that suits their needs best, you can give them the resources they need to seek crucial medical care. Helping people avoid medical debt and seek necessary treatment is a noble cause and something that you can feel good about.

Family Heritage Life Cons

While many members of the Family Heritage Life sales team are satisfied with their work, there are still a few drawbacks to working for this company.

We'll get into some of the more specific cons in a moment, but first, let's address the elephant in the room: Family Heritage Life doesn't provide the training you need to make big money. As we often say at Legendary Marketer, you need marketing skills to thrive in any kind of sales, no matter how good the product is. (Fortunately, that's where we come in.)

Now, let's take a look at some of the more specific cons that are worth considering.

Family Heritage Life Is a “Captive” Company

Family Heritage Life is a captive employer. What that means is that although you retain a contractor status when selling their insurance packages, you cannot work for other insurance companies. This can make it more difficult for you to meet the needs of your clients and increases the odds that potential clients will walk away in search of something else.

Commission Rates Are Unclear

You'll find that everyone at Family Heritage Life is perfectly happy to acknowledge that their sales team is paid 100% commissions. However, even in their own career opportunity description, they fail to state what that commission rate is. That makes it difficult for us to gauge how much you stand to make as an affiliate of Family Heritage Life.

Business Expenses Are Out of Pocket

One of the biggest complaints you'll see from current or former Family Heritage Life sales team members is that business expenses are not covered. Family Heritage Life instructs their sales team to rely almost entirely on the door-to-door model, meaning that you'll need to travel far and wide to keep your commission coming. However, they're not going to foot the bill for things like gas or hotel accommodations, which means that you could actually lose money in some of your attempts to find new clients.

No Benefits

Ironically, Family Heritage Life does not offer their sales team members any benefits–including insurance. That being said, this is something you may want to expect if you're hoping to start building up your income without relying on an employer. When you're looking to become your own boss, you're going to have to forgo things like paid leave and employer-provided health insurance.

Learn How to Boost Your Marketing Skills and Succeed in Growing Your Business

Family Heritage Life is not a bad company to work for, but that insurance is not going to sell itself. In fact, if you want to really grow with this company, you're going to have to go beyond the training they provide and learn a thing or two about marketing. The more you learn about marketing, especially online marketing, the less you'll have to go door-to-door to make a buck.

In order for you to develop your skills, you should consider taking a free or paid marketing course. There are a variety of digital marketing courses you can take from businesses that can help you enhance your skills. As of writing this, over 80,000 new marketers have taken the Online Business Builder Challenge (only $7), and that might be a good starting place for you as well.

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