Family First Life

My Experiences with FFL (Family First Life)

I was at a Starbucks the other day with a friend of mine when I got a call from a company that I applied for a job with. They interviewed me right there on the spot and I accepted the job, but said I had to complete some training and get a certification first. 

I spent about $200 getting the certification and spent at least a week studying and getting ready. During this time, I went to BDM (Business Development Meetings) where they advertised the company to us. They said that we would all make hundreds of thousands a dollar a year, that it would be free, and that they would purchase leads for us to start.

Although we did get some leads from them, they were old (and perhaps illegal) and before I made my first sale they pressured me to buy more. Like most recent college graduates, I have a mountain-load of debt and am POOR, but the sales pitch worked. With dollar signs in my eyes, I spent all my money (about $500) on 20 leads. Ouch. 

The Process

If you’ve ever been in life insurance sales, you know the deal. Guilt people into buying insurance by making them think of their funeral. I get it though, it’s for the common good. Forcing people to save for an expense that is inevitable. There are some good perks to these policies, also. The problem for me was that I just couldn’t look someone in the face and talk about such morbid things, and then profit from it. There are a couple other things I hated about this, also: the phones.

The idea was that most of the money was made on the phones. Essentially, it was a “do and say whatever it takes to let them in your house”. Being taught that a lie of omission is still a lie when I was in my late teens and early 20s (in AA, we call it “rigorous honesty”), I had a hard time with this. Let me give you an example.

When you call, you say that you are with the “benefits center”. I laughed out loud when I heard this. Basically, the most effective way to get into the house is to play it like it’s some sort of social insurance program that they are eligible for. So when you get to the house and you have to explain that they are paying for it, and that it is state regulated, not a state program, it is an uphill battle. Most of the agents that I watched have people still convinced that it is government assistance when they sign the form and pay their first premium.

Now, for my favorite part, and the red flag that had my father knowing it was scammy all along. They want you to bring all your friends to the BDM and sign them up also. Then, you make money when they sell insurance too. A lot of people are making a lot of money with this system, and FFL is a very generous form of this sort of business. This is the article that I wrote trying to get employees:

Family First Life (original marketing article)

Family First Life is an Independent Marketing Organization. Like any other business, it depends on the people. If you are reading this, if you put in the work you can make a lot of money and help a lot of people. The money that we make is a side effect of helping people, and if you have an attitude other than that you won’t make any money.

Family First Life is an Independent Marketing Organization. Like any other business, it depends on the people. If you are reading this, if you put in the work you can make a lot of money and help a lot of people. The money that we make is a side effect of helping people, and if you have an attitude other than that you won’t make any money.

Getting Involved

If you are interested in helping people save for retirement or their “final expenses”, this might be for you. If you are called to help support people through the process of death, or help them move money out of the stock market into safer assets (because they are getting close to retirement or the funds are misallocated according to their risk aversion or risk appetite), then you could make half a million dollars a year, with hard work.

Start for tomorrow.

"The Rogue IMO"

“Ok Great… insurance sales… I can make $50k a year by cold-calling and having people slam the door in my face. No thanks!”

I get it. Nobody likes cold-calling, and insurance sale has a bad reputation. But listen close and listen hard: the reason for that bad repuation is the reason Family First Life exists. Watch this video.


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Getting Involved

Thanks for checking us out. If you would like to move forward with this opportunity, please book an appointment with me at hayden-rear.youcanbook.me.

[end original article]

Final Thoughts

Family First Life is a great option if you want to get into insurance sales, but they are still a marketing company. They are essentially a very advanced affiliate marketing company that makes money when you sell insurance and when you buy leads. Some of the tactics were, in my opinion, dishonest. I had a hard time selling the idea of death to people, so it didn’t work out for me. If you would like to get involved, though, let me know.

About Data

Data Analytics Offering

Machine learning is transforming industries, but businesses should be afraid of it. Transferring systems or integrating systems can lead to losses instead of gains. In some cases, businesses crumble when trying to innovate because their operations come to a screeching halt.

Implementation is Everything

There are a thousand offerings that can be sold to a business. Promises of automating expensive workflows sound great. Remember that when you are messing with important workflows there is much to lose, however. Businesses today know the importance of technology, but it’s good to keep in mind the importance of business as usual. Implementing new systems takes careful planning. Serving the customer today ensures the business will continue to serve customers tomorrow.

Start for tomorrow.

Futuristic Products

That being said, there is much to gain from implementing the technology that already exists. Amazon has many awesome tools that, with that careful planning mentioned earlier, can maximize the potential of your business.

Now is time to talk about a few of them, and the implications that they bring. Keep in mind that this business (Sage Market) is all about innovating to use existing technologies to their maximum potential. I hope you will contact us through any of the channels below the header image to talk more about this.

Amazon Kendra

When I first heard about NoSQL databases, I was grateful that I had found a reason to slack off about learning SQL (I am happy to say I understand SQL databases).

Basically, a NoSQL database is a distributed database that is supposed to make it easier to query data, and I was taught in business school that it would have implications when it comes to unstructured data.

I think that a good analogy for this is Google. Google indexes and organizes lots of unstructured data and then decides what you mean when you search for something. When I took my second business analytics class they said that NoSQL was supposed to allow querying of data without using SQL, like Google.

Unstructured Data?

Let me back up a bit. What is unstructured data, and how does it differ from “structured data”? I back up like this because this is a very important point not only to the idea of NoSQL, but to the application of machine learning to querying databases. Extracting the truth from the data is easy when the labels give you the answer, but becomes much more difficult when the algorithm has to label the data itself.


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The real reason I got so excited when I heard about NoSQL was that it seemed that to create a NoSQL database (as the hype misinformed me), the unstructured data would need to somehow structure, or label itself. Otherwise, how could you query the data in a number of different ways and receive the same information? The query would need to contain a kernal of truth that the system could search for in the data.

Enter Amazon Kendra... (again)

So my interest in NoSQL has really just manifested itself in Amazon’s Kendra product. Instead of putting a bunch of effort into labeling and organizing your data so that it is available to the people who need to communicate it, gain from Amazon’s machine learning algorithm. Let it do as much heavy lifting as possible, and only after you find out what the tech can do should you invest more time and energy.

Clarify with an Example

I used to work for a Credit Union, answering the phone and talking to customers about their accounts. Surprisingly, customers would ask me, being paid close to minimum wage, about esoteric financial regulation. We were supposed to say, “Sir/Mad’am, I am not a financial advisor/accountant, and therefore cannot advise”, but I like to talk about esoteric financial regulations, strangely enough.

One day, a woman called and asked me about the title on a boat that she was going to purchase. It was different from a normal loan, however, because it had been owned by the Coast Guard. It had a special lean on it, called a Ship’s Preferred Mortgage, or something like that. You might think, there is no way anyone could know about that, but my boss pulled it out of thin air. I was jealous, but impressed. I found out later that he had just entered a slightly different search into our internal intranet, and it was written there in plain English.


You might be thinking to yourself, Hayden how does this relate to using machine learning to improve business processes? I’ll tell you how. When that person asked that question, a voice recognition software could have triggered a search into the internal database, using Amazon Kendra’s artificial intelligence to query and return the right information. Then, it could have just popped up on my screen.

I want to stress that this sort of technology could be possible for your application, too! With a little imagination and the right research, any business can implement these awesome tools with little to no risk. Then, benefit from the profits, give back to the community, and go down in history as generally awesome.

Who are you?

Thanks for reading this! I hope that you contact me to talk about how machine learning can be used to improve you business effectively and ethically. Also like us on Facebook and Instagram, or e-mail me directly.

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Product is to Research is NOT as Research is to Product

Extreme Content Marketing

One of the issues with the nature of academic research is that it is inaccessible to the public, or the wrong pieces of information (sometimes lies) are propagated as click bait, because that is what sells. Today I’m going to talk about a project I’m working on (in general terms) and lay out a strategy that I like because it is not only good marketing, but it could have a positive impact on the world.

If your marketing looks like marketing, it's not good marketing

Essentially, if the product offers real value then it may take some time to educate the consumer about it. This is especially true in the wellness niche because the body and brain are super complicated. Moreover, it takes real research to transcribe academic papers and sift through the bullsh*t to find the truth.

Product discovery is all about finding the truth about what really offers value. Content marketing can basically be about communicating the research that led to the product, but sometimes it gets really complicated. In this case, where nobody really understands the value of the product except for the researchers the led to it’s creation, the sales funnel essentially becomes a class on the value of the product.

People are afraid of what they don't know

Everyone hates marketers, because there is such a clear monetary incentive. People hate to be manipulated, but this is what marketers do. Education is a form of manipulation, especially if you are building a sales funnel that educates about the product, because the end goal is a monetary incentive.

Question: when do you have enough credibility to reveal the monetary incentive?

In order to promote a product, the agency problem needs to be resolved in the purchasers mind. This is just a fancy way of saying that the customer needs to trust that you have their best interests at heart. If you are operating within the health & wellness space, they need to think that their health is a priority and is aligned with the profit-maximizing motive.

Essentially, the monetary incentive for selling the product needs to align with their wellness goals. This is a delicate process, because if the content seems too good to be true, it turns the customer off. If they don’t understand what you are saying, they think they are being manipulated, especially if the content contradicts something they already believe.

Therefore, if there is no way to engage with the customer directly, the content needs to anticipate these objections that present barriers to proper product education. Market research is a most important process.

The role of MARKETER

Content marketing presents a unique presence to the agency problem. Obviously, the goal is for conversion. This is best understood by describing the creation of content in general. On one hand, you have a journalist who is supposed to report the news and the facts. Their job is to be unbiased so that their reputation will not be tarnished.

The incentive here means a strict loyalty to what will build a certain type of audience over the long term, not what will sell a product. The type of audience they are trying to build determines the extent to which the content is politicized or radicalized.

Reputation is important, but understand that it is not loyalty to the whole truth for all reporters, necessarily and unfortunately. For some it is if they are building the type of audience that craves this sort of content. For others, they will purposefully politicize and radicalize because they are after that niche. The journalist keeps their audience in mind, with the goal being to “preach to the choir”, to some extent, one of those choirs being loyal to the idea that they are not a choir.

On the other hand, you have cost per action for impulse purchases. They want a click, or a sign-up quick, and might bend the rules, using every psychological trick in the book.

It is all for money right now for these invisible entities, even if that means throwing a 30 day guarantee on it (because most people are too lazy to ask for a refund, but it legitimizes the purchase in their mind). They give everyone a bad name, but it makes sense that this would run rampant because of the clear monetary incentive.

The role of Content MARKETER

As a result of being screwed every which way (myself included), people
hate to be sold to. Sales and marketing is a dirty word. Content
marketing is supposed to be the redemption. Instead of selling, we are educating on the product, they say. Each objection is another opportunity to come to a resolution and educate about the part of the product that overcomes that objection.

Okay, great. But that still sounds a little manipulate-ey to me. What I propose is a little bit different. The role of the content marketer should be to distill the truth of academia into the most easily consumable media. Moreover, they should start with what research led to the product discovery, and then use the credibility inherent in that research to build the social proof.

If you think your job is to come up with great ideas as a marketer, or that the product person should be doing the research you are wrong. The government subsidizes research and development to the tune of billions of dollars, providing it to the private sector at extremely discounted rates. 

Keep it Simple Stupid!

Okay I get it. Academia is ridiculously convoluted and very scared of people with the word market in their job title. But remember that the availability of information in this new connected world means that credibility can be verified. You are your reputation.

Content marketers are increasingly journalists, essentially. Adhere to the truth to build a reputation of educating and offering product based on discovering through research, rather than the other way around.

The redemption is not in the fact that we are educating about the product. The redemption comes from the fact that the research led to the product, and you are reporting on that process. If it is the other way around, run like hell from that product.

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