First Financial Insurance Group Review & Complaints: Life Insurance

First Financial Insurance Group writes whole life insurance policies and annuities. Our First Financial Insurance Group review finds that you must contact an agent or broker to obtain First Financial Insurance Group life insurance quotes. While this is different from a lot of insurance companies who work with customers online, if you don't mind working with a live agent, it could be to the benefit of you and your family. You can ask your questions directly to the agent that gets in touch with you, which may lead to you preferring First Financial's services.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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Written by Eric Stauffer
Founder & Former Insurance Agent Eric Stauffer

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Feb 27, 2022

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First Financial Insurance Group

Financial Strength

First Financial Insurance Group is a Michigan-based insurance company offering annuity and final expense life insurance products. Their focus is on the senior citizen market.

About First Financial Insurance Group

First Financial Insurance Group was founded in 1992 and has its headquarters in Carleton, Michigan. Today they provide coverage in both Michigan and Ohio. They offer a range of insurance plans for the senior market; although their Facebook page advertises long term care and Medicare supplement insurance, the website itself only lists annuities and final expense life insurance.

Very little information is offered on the company and its products on the website, although they do market fairly heavily towards insurance agents and brokers, through whom their products are sold.

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What products does First Financial offer?

First Financial’s website lists two main products: annuities, and final expense insurance. There are a lot of insurance definitions and terms out there, so it’s always better to understand what type of policy you’re looking for before contacting a company.

With First Financial, their request form lists other products including long term care and Medicare Supplement, but these are not mentioned anywhere else on the website.

Final Expense Life Insurance

First Financial offers permanent whole life insurance plans aimed at paying for final expenses including funeral costs. The website offers very little in the way of details on these plans. Issue age is from 0 to 89 years old, and the company offers plans with no premium increase over time. Although it is not stated, this type of policy usually has a low benefit maximum and often requires no medical exam.


The website has some general information on types of annuities but does not offer any specific details of the company’s plan. The information offered is only that First Financial does not write variable annuities, but the site excludes what other types they do offer.

What are their rates?

We were unable to locate rate information for First Financial, and the website does not offer online quoting as an option. This is not surprising for a company like First Financial, who relies on agent and broker sales directly to customers. While this differs from a lot of insurance agencies currently, who handle things online, working with a live agent is not necessarily a bad thing.

There is a quote request form on the website that can be used to obtain rate information. This form likely will result with the customer being contacted by an agent and solicitation efforts, such as cold calling, that some consumers may not appreciate. However, if you’re the type of customer that likes working with employees directly, this may work out in your favor. As long as you’re expecting a phone call.

What is their claim process like?

We were also unable to find any claims filing or processing information on the website. Given the lack of information in general on the website, it is not surprising to see claims information missing.

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Ratings and Consumer Reviews

First Financial has an A+ rating with the Better Business Bureau (BBB), with a total of three complaints on record in the past three years. Only one was closed in the past 12 months.

There are two negative reviews on Yelp. Once cites heavy solicitation efforts, which is not surprising, and another cites failure to pay a claim as well as failure to cancel the policy after death, continuing to take premiums.

Overall, we found little in the way of information on this company and its reputation.

The Bottom Line

First Financial is the type of company that obtains most of its business from agent and broker sales. With very little information available regarding the company or its products, it is difficult to make a recommendation regarding this company.

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