FFL Northeast

FFL Northeast is the Connecticut branch of Family First Life, a multi-state insurance marketing organization. Eric Schmidt, the president of FFL Northeast, transitioned from 23 years in retail automotive to build his own insurance agency with the flexibility to schedule around his family.

FFL Northeast focuses on four core insurance products:

• •Mortgage Protection Life Insurance - Covers remaining mortgage balance if the primary earner passes away
• •Final Expense Life Insurance - Funds funeral costs and immediate expenses, typically $10k-$50k policies
• •Retirement Planning - Universal life policies structured for retirement income
• •Fixed Index Annuities - Retirement protection with guaranteed minimums and market-linked upside

They also offer Identity Theft Protection as an add-on service.

FFL Northeast works with multiple carriers to give clients options:

• •Americo
• •Mutual of Omaha
• •Multiple additional carriers (specific list available upon request)

This multi-carrier approach means they can shop rates and find the best fit for each client's budget and coverage needs, rather than forcing clients into one company's products.

"Trust and loyalty is not given, it is earned and all of us at Family First will give everything we have to earn it with our clients and our agents."

Eric's approach focuses on:

• •No high-pressure sales tactics
• •Finding coverage clients can actually afford
• •Protecting families long-term, not just making a quick commission
• •Flexible scheduling and personalized service

While based in Connecticut, FFL Northeast holds active insurance licenses in 47 states plus Washington D.C., including:

Full list of all 47+ state licenses available on their website.

The entire FFL organization is built around putting families first—both client families and agent families. Eric specifically emphasizes that joining FFL gave him back control of his schedule. His wife and three children benefit from the flexibility of owning an independent agency rather than working under someone else's schedule.

New clients typically start with a conversation about their current situation, family needs, and budget. Eric will discuss which combination of products (mortgage protection, final expense, retirement planning, or annuities) makes sense. He handles all the paperwork and carrier coordination, so clients don't have to deal with multiple insurance companies.