Ryan Smith

Agency Owner Peachtree Heritage Group

Family Heritage Life continues to grow because of one thing: our people. We have the BEST insurance sales force in the world because Family Heritage Life truly operates as a family. We are passionate about our life and supplemental health insurance products and how they can help protect a family financially. Best of all, this career enables us to meet and help Americans just like us.

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"It is the greatest opportunity in America!"

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When Ryan Smith joined Family Heritage Life Insurance Company of America (FHL) in 2103, he brought with him an abundance of previous insurance and military experience. He had spent 18 years in the U.S. Army, 12 years with AFLAC in various capacities, and two years with Combined Insurance as Director of Divisional Development.

What enticed him to join FHL? “It was the culture and the integrity of the company itself,” he says, “and the representatives of Family Heritage Life. We do great things for our clients! We change people's lives! My greatest accomplishment with FHL has been having the honor to work as Vice President of Agency Development. This position gave me an outstanding opportunity to get to know and to learn from the greatest people across the country.”

Ryan knows well the importance of FHL products. He says, “Very simply, we provide the ability to put cash into our clients’ hands to pay the out-of-pocket expenses that their major medical policies may or may not pay. And what is amazing with FHL is if our clients never use their policies, we refund their premiums. In a sense, we provide them the ability to ‘own’ their policy instead of ‘renting’ their policy.”

What is the most rewarding aspect of joining Family Heritage Life for Ryan? “Watching our Agents achieve their dreams,” he says, “and also being able to take care of our clients … literally watching our clients become part of the FHL family through our Agency, Peachtree Heritage Group.”

What advice does Ryan give to someone considering a sales or leadership position with FHL? “It is the greatest opportunity in America! You now have the ability to design your future yourself,” he emphasizes.

In his free time, Ryan is the ultimate outdoor enthusiast. He takes part in The Spartan Race. These obstacle races vary from 3 miles to marathon distance with varying degrees of difficulty and are held throughout the United States and abroad.

Ryan and his Agency support the American Cancer Society, Alzheimer’s Association, and are sponsors of the Best Ranger Competition, a grueling annual military competition held at Fort Benning, Georgia.

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Columbus Location
3100 Gentian Blvd
Suite 19B
Columbus, Georgia 31907
p: (706) 506-9911
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We want to meet ambitious leaders like you who hope to positively impact the lives of hardworking Americans by selling insurance for Family Heritage Life. Say yes to FHL and we’ll give you freedom in your career and a whole new lifestyle. Don’t waste another second before kicking off your successful future.

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Customer Care

Customer Care

Customer Service

Need to speak with customer service about your policy? Call us Monday through Friday from 8am - 5pm Eastern time.

(440) 922-5222

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On our ‘Claims’ page, you will find helpful information regarding the claims filing process for various types of benefits,  filing instructions, printable forms, and more.

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About Family Heritage

FHL offers supplemental insurance products that help provide benefits beyond traditional health insurance. The recipient of numerous awards and honors for outstanding customer service and community outreach, Family Heritage Life proudly serves thousands of American families.

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Insurance Products

At Family Heritage Life, we believe helping to protect your family from life's more challenging surprises is critical. That's why we provide supplemental insurance products to be able to help you with some of the out-of-pocket expenses that could arise in the event of an unexpected illness or injury.

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FHL Careers

At Family Heritage Life, you’ll embark on a life-changing career path, one to help financially secure your future, challenge yourself, and provide the opportunity to make what you’re worth. Explore our industry-leading competitive commissions, bonuses, incentives, and why FHL is the Best Opportunity in America.

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Contact Us!

You may contact Family Heritage Life by writing to the address below, calling a specific department, or submitting an email through the contact form.

Mailing Address

Family Heritage Life Insurance Company of America
6001 East Royalton Road, Suite 200
Cleveland, OH 44147

Customer Service

Phone: (440) 922-5222
Fax: (440) 922-5223

Monday – Friday 8 a.m. to 5 p.m. EST

Spanish-speaking representatives are available during normal business hours.

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