UPDATED: Nov 30, 2018
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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.
First Financial’s website lists two main products: annuities, and final expense insurance. Their information 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.
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.
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 that some consumers may not appreciate.
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.
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.
For a list of companies that we recommend, visit our Best Insurance Companies page.