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Family First Life Network

Protect the
People You Love

Independent life insurance agents giving you access to the nation's top-rated carriers. Simple applications, honest advice, and coverage that works when your family needs it most.

A+
Carrier Ratings
48hr
Avg Approval
$0
Cost to Apply
Start Your Application
2 minutes · No obligation · No spam

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A licensed agent will call within 24 hours. For faster service, complete the full application below.

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Coverage Options

Plans Built for Real Families

Every family is different. We offer multiple product types to match your budget, health, and long-term goals — with access to dozens of top-rated carriers.

01
Whole Life
Permanent Protection

Guaranteed coverage for your entire life. Your premium never increases, your death benefit never decreases, and it builds real cash value over time.

  • Locked-in premium — never goes up
  • Guaranteed lifelong death benefit
  • Builds tax-advantaged cash value
  • No medical exam for most plans
  • Multiple coverage tiers available
Apply for Whole Life
02
Indexed Universal Life
IUL — Growth + Protection

Life insurance that grows with the market but with a floor that protects you from losses. Combines a death benefit with powerful tax-free retirement savings.

  • Growth tied to S&P 500 index
  • 0% floor — never lose cash value
  • Tax-free retirement income potential
  • Flexible premiums and death benefit
  • Ideal for long-term wealth building
Apply for IUL
03
Term Life
Maximum Coverage, Low Cost

The most affordable way to get a large death benefit. Perfect for income replacement, mortgage protection, or covering your family during peak earning years.

  • 10, 15, 20, or 30-year terms
  • High coverage amounts available
  • Lowest monthly premiums available
  • Convertible to permanent coverage
  • Instant approval available online
Apply for Term Life
04
Final Expense
Dignity & Peace of Mind

Designed to cover funeral costs, medical bills, and end-of-life expenses so your family isn't left with a financial burden when you pass.

  • Guaranteed acceptance ages 50–85
  • No medical exam or health questions
  • Multiple coverage tiers to choose from
  • Benefits paid directly to beneficiary
  • Simple application, fast approval
Apply for Final Expense
05
Annuity
Guaranteed Retirement Income

Convert a lump sum into guaranteed monthly income you can't outlive. A powerful tool for retirement planning and protecting your savings from market risk.

  • Guaranteed income for life
  • Fixed and indexed options available
  • Tax-deferred growth
  • Protects against market volatility
  • Flexible payout structures
Apply for Annuity
06
Mortgage Protection
Keep the Family Home

Specifically designed to pay off your mortgage if you pass away — so your family can stay in their home no matter what happens to you.

  • Benefit mirrors your mortgage balance
  • Return of premium options available
  • Covers disability and critical illness
  • No home appraisal required
  • Designed for homeowners 25–65
Apply for Mortgage Protection
Our Partners

Top-Rated
Carriers

We work within the Family First Life network — giving you access to 12+ A-rated national carriers and the best rates in the industry.

Network
Family First Life
One of the fastest-growing IMOs in the country.
Americo
Final Expense · Whole Life
A-rated. Final expense specialist. Fast approval, no medical exam.
No ExamFinal Expense
Mutual of Omaha
Whole Life · Term · Medicare
A+ rated. 110+ years in business. Most recognized name in insurance.
A+Whole LifeTerm
Corebridge Financial
Term · IUL · Annuity
Formerly AIG Life. One of the nation's largest providers.
IULTermAnnuity
Ethos Life
Term · Whole Life
Digital-first carrier with instant approval technology.
Instant ApprovalTerm
F&G Life
Final Expense · Annuity · IUL
Fidelity & Guaranty Life. 60+ years of proven products.
AnnuityIUL
Foresters Financial
Whole Life · Term
Fraternal benefit society with competitive rates and member perks.
Whole LifeMember Benefits
National Life Group
IUL · Whole Life · Annuity
A+ rated. Known for innovative IUL and living benefit riders.
A+IULLiving Benefits
Transamerica
Term · IUL · Final Expense
100+ years serving American families with life and investment products.
TermIUL
Aetna
Final Expense · Whole Life
Trusted national brand. Guaranteed-acceptance coverage for seniors.
Guaranteed IssueSenior
Athene
Annuity · IUL
Leading retirement provider with fixed and indexed annuity products.
AnnuityRetirement
American-Amicable
Final Expense · Mortgage Protection
Specialized carrier with competitive final expense and mortgage rates.
Final ExpenseMortgage
Global Atlantic
IUL · Annuity
Backed by Goldman Sachs. Powerful indexed products for wealth building.
IULAnnuity
Why Life Protection

We Work for You

As independent agents in the Family First Life network, we're not tied to one carrier. We shop the market to find you the right plan at the right price.

01
Independent — We Shop the Whole Market
We compare dozens of carriers to find your best rate — not the one that pays us the most commission.
02
No Medical Exam for Most Plans
Many products are simplified issue — approved with just a few health questions, often within 24–48 hours.
03
Licensed Across Multiple States
Our agents are licensed and trained across dozens of states — we can serve your family wherever you are.
04
100% Free to Get a Quote
There's never a cost to speak with a licensed agent. We're compensated by the carrier when you're approved.
How It Works
Simple 3-step process
1
Fill Out This Form
Takes 2 minutes. No medical exam needed for most plans.
2
Speak With a Licensed Agent
We'll call within 24 hours to review your options across all carriers.
3
Get Covered
Choose the plan that's right for you. Coverage starts fast — sometimes same day.
Apply Now — It's Free →
Application

Get Covered
Today

Fill out this form and a licensed agent will contact you within 24 hours to discuss your options and finalize your coverage.

No cost to apply — ever
Licensed agents, no pressure
Most plans require no medical exam
Coverage can start within 24–48 hours
Your information is encrypted and secure
Personal Information
Contact Information
Coverage Preferences
Beneficiary Information

Your beneficiary receives the death benefit. This can be updated any time after your policy is issued.

Additional Notes
Application Received

A licensed agent will review your information and contact you within 24 hours to discuss your options and finalize your coverage.

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