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Zac Twardowski

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Capital Financial GroupCapital Financial GroupLeading with Purpose: Ronnie & Zac on Team Excellence - Episode 20From humble beginnings to massive momentum — this episode is all about betting on yourself and building something real.Zac Twardowski sits down with Ronnie Salem to talk about what it takes to lead with vision, grow through the pain, and stay locked in when most people quit. They break down the discipline, leadership, and mental toughness it takes to build a winning team — and why your standard has to be higher than your feelings.This isn’t surface-level motivation. It’s the truth about what the journey actually looks like.Here’s what they cover...2025-07-0734 minCapital Financial GroupCapital Financial Group$70k/Month in 3 Months?! How Ethan and Brody Blew Up in Life Insurance - Episode 18In this episode, Zac Twardowski sits down with Ethan and Brody — two young agents who went from detailing cars to building a six-figure run rate in their first 90 days selling life insurance.Ethan started in February and hit $70K in personal production in just his third month. Brody, a car detailer with no college background, wrote $40K+ three months in a row and is now scaling fast.This conversation is a real, unfiltered breakdown of how they did it — what worked, what didn’t, and how new agents can replicate their results without experience or specia...2025-06-2314 minCapital Financial GroupCapital Financial GroupNO COLLEGE. $125K in 6 Months! - Episode 19What happens when two guys in their teens and early 20s skip college, ditch the 9–5, and go all-in on life insurance sales?In this episode, Zac Twardowski sits down with Braden (19) and Nate (21) — two rising stars in the life insurance game — to break down how they went from no experience to $120,000+ in monthly team production in just a few months.Braden shares how he scaled a Christian clothing brand in high school to six figures, then pivoted into insurance where he’s now on pace to net $300K+ his first year. Nate talks about turning down tra...2025-06-2325 minCapital Financial GroupCapital Financial GroupHigh School Dropout to 7 Figure Insurance Producer: Alathea Rice - Episode 16In this episode, Zac Twardowski sits down with Alathea — a high school and college dropout who now produces over $50,000/month in life insurance sales and is on pace to hit Hall of Fame status with $400K issued in a single year.Before joining FFL, Alathea managed a McDonald’s, worked in in-home care, and sold high-ticket offers to insurance agents — now, she is one of the fastest-growing agents and team builders in the company.This episode is a no-fluff, real talk deep dive into:✅ The first 90 days of struggle (and how she broke through...2025-06-0321 minCapital Financial GroupCapital Financial GroupFrom the Ground Up: Creating a Life Insurance Agency Through Persistence - Episode 17Learn more about becoming an agent: https://link.getagentautomator.com/widget/bookings/myountFOLLOW ME ON:Instagram: https://www.instagram.com/zac_twardowski Facebook: https://www.facebook.com/zac.twardowski Instagram: https://www.instagram.com/capitalfinancialgrp2025-06-0318 minCapital Financial GroupCapital Financial GroupHow Francis Sold $1 Million in Life Insurance in One Year (After Losing It All) - Episode 15In this episode, Zac Twardowski sits down with Francis — a million-dollar producer in life insurance who’s built an incredible business after navigating decades of ups and downs in sales, entrepreneurship, and real estate.Francis has done it all: from selling books door-to-door in college, to running a litigation support company, to flipping houses — and today, he’s one of the top producers in the insurance industry, selling over $1 million in premium last year alone.This episode dives into:✅ Francis’ rise from $180K to $1M in production over five years✅ His background in door-to-doo...2025-05-1218 minCapital Financial GroupCapital Financial GroupFrom Government Jobs to Financial Freedom: How They Built a Business with IULs - Episode 13In this episode, Zac Twardowski sits down with Daniel Preston and Preston Jenkins — two agents in the insurance business who’ve taken very different paths but have both found purpose, freedom, and success selling life insurance and IULs.Daniel went from managing a cell phone store and leading worship at his local church to becoming a top producer, mastering virtual sales, and building a business that lets him serve his family, his faith, and his clients on his own terms.Preston spent 22 years in the Air Force, followed by a civilian role investigating misconduct at the...2025-05-0627 minCapital Financial GroupCapital Financial GroupHow two brothers issued over 1 million in business in their first year - Episode 14Learn more about becoming an agent: https://link.getagentautomator.com/widget/bookings/myountFOLLOW ME ON:Instagram: https://www.instagram.com/zac_twardowski Facebook: https://www.facebook.com/zac.twardowski Instagram: https://www.instagram.com/capitalfinancialgrp2025-05-0636 minCapital Financial GroupCapital Financial GroupHow to Build Your Agency From 0 to 3 Million in 12 Months - Episode 12Learn more about becoming an agent: https://link.getagentautomator.com/widget/bookings/myountFOLLOW ME ON:Instagram: https://www.instagram.com/zac_twardowski Facebook: https://www.facebook.com/zac.twardowski Instagram: https://www.instagram.com/capitalfinancialgrp2025-04-2831 minCapital Financial GroupCapital Financial GroupFrom Car Sales to $600K in Life Insurance | Discipline, Telesales & Team Growth - Episode 11In this episode, Zac Twardowski sits down with Nate Ruiz and Luis Picasso — two producers at Family First Life who’ve gone from humble beginnings to building serious careers in life insurance sales.Nate went from delivering uniforms and working retail to issuing over $600K in life insurance production last year.Luis left the car dealership life behind, took a massive leap of faith, and is now selling $20K–$30K per month in virtual sales.This episode is a deep dive into:The discipline it takes to win in commission-based salesThe transi...2025-04-2621 minCapital Financial GroupCapital Financial GroupHow to Battle Through Adversity to Create a 8-Figure Agency - Episode 10In this episode, Zac and Easton unpack the real-life lessons and mindset shifts that have fueled the growth of high-performing insurance teams. From the power of in-person work environments and the value of shared vision —this conversation dives deep into what it takes to build a sustainable and profitable business in the industry.We talk about the impact of culture—how five committed people can be the foundation of a powerhouse organization—and why surrounding yourself with the right influences changes everything. You'll also hear candid stories about learning to trust your gut when it comes to team d...2025-04-2320 minCapital Financial GroupCapital Financial GroupHe Went from Movie Theater Job to Building a Multiple 6-Figure Business | Eyaury’s Journey - Episode 9In this episode, Zac sits down with Eyaury, a powerhouse in the life insurance industry, to share an unfiltered look at his 7-year journey in sales and entrepreneurship.From upselling snacks at a movie theater at 16…To cold doors in the Florida heat…To finally finding freedom, purpose, and profitability through life insurance.This is more than a sales story. It’s a story about:Dropping out of schoolLosing loved onesBecoming a fatherFinding faithAnd building a career that serves others while creating generational wealth...2025-04-1828 minCapital Financial GroupCapital Financial GroupWhy Sales is the Best Skill to Have - Episode 8Vish was supposed to finish school and get a “safe” job—but after 3.5 years in college, he chose a different path. His family didn’t understand at first, but now they’re starting to see the results of a decision rooted in self-belief.Mason talks about bouncing between different sales industries before finding his groove in life insurance—with the right people and a culture that pushed him to grow.Host Zac reflects on the subtle but powerful shift when your family stops doubting your choices—not because you argued, but because your results did all the talkin...2025-04-1429 minCapital Financial GroupCapital Financial GroupWhy I left a multiple 6 figure income in Solar Sales - with Jaxson Jenson, Mahmoud and Zac - Episode 7Learn more about becoming an agent: https://link.getagentautomator.com/widget/bookings/myountFOLLOW ME ON:Instagram: https://www.instagram.com/zac_twardowski Facebook: https://www.facebook.com/zac.twardowski Instagram: https://www.instagram.com/capitalfinancialgrp2025-04-0723 minCapital Financial GroupCapital Financial GroupThe American Dream - 60 year old immigrant has sold a million dollars per year for 3 years in a row - Episode 5Juan Franco is the epitome of the American Dream. English is his second language, he is 60 years old, has made high 6 figures and is on track to NET 7 figures in 2025.Learn more about becoming an agent: https://link.getagentautomator.com/widget/bookings/myountFOLLOW ME ON:Instagram: https://www.instagram.com/zac_twardowski Facebook: https://www.facebook.com/zac.twardowski Instagram: https://www.instagram.com/capitalfinancialgrp2025-04-0735 minCapital Financial GroupCapital Financial GroupHow leaving a successful Real Estate career allowed this agent to 5x his income - Episode 6In this episode, Zac Twardowski sits down with Ethan, a former real estate agent who made the bold decision to walk away from a “successful” career to go all-in on life insurance sales—and ended up 5x’ing his income. They talk about the challenges of juggling both careers, the slow grind of real estate during the off-season, and what made insurance the obvious choice. Zac and Ethan also get real about sales—why you don’t need to be great to make money, and how just showing up and asking the right questions can lead to big results. This episode...2025-04-0723 minCapital Financial GroupCapital Financial GroupCulture or Cult? - Episode 4Marco Solis has been a top performer in both Solar and Life Insurance Sales. He’s been with multiple companies and has finally found a home that is allowing him to sell 60k a month and build an incredibly fast growing profitable team. In this episode Zac and Marco will discuss his start in sales, his past experience in both industries, his philosophy on sales and what it takes to financially succeed as a life insurance agent. Learn more about becoming an agent: https://link.getagentautomator.com/widget/bookings/myountFOLLOW ME ON:Ins...2025-03-2835 minCapital Financial GroupCapital Financial Group450k in sales first year living in America! - Episode 3In this episode, Zac sits down with Andres Franco to discuss his journey from Colombia to the United States in pursuit of a dream—one that led him to build a thriving business in the insurance industry. From childhood entrepreneurial lessons with his uncle to navigating the challenges of immigration and adapting to a new sales landscape, Andres shares the pivotal moments that shaped his path.They dive into:The differences between being an employee vs. running a scalable businessHow the insurance industry provides more stability than traditional W-2 jobsThe sacrifices and support system behind moving to...2025-03-2431 minCapital Financial GroupCapital Financial GroupThe Industry Where Everyone Eats - Episode 2In this episode with Capital Financial Group, host Zac Twardowski meets with Mahmoud Nasser and Mohammad Haji-Noor to dive deep into why Mohammad and his team transitioned from solar sales to the life insurance industry. They break down why insurance is the most consistent, scalable, and profitable sales business, offering a recession-proof model with lower startup costs and a broader audience.Mohammad shares his insights on marketing efficiency, lead generation, and the flexibility of targeting different demographics based on market trends. The discussion covers the importance of leadership in building a sustainable business, the mindset behind long-term...2025-03-2130 minCapital Financial GroupCapital Financial GroupLife Insurance Agent FAQ: Everything You Need to Know Before Getting StartedAre you considering a career in life insurance sales? In this episode, I answer the most frequently asked questions we get from potential agents. Whether you're wondering about licensing, commissions, leads, or the day-to-day responsibilities of an agent, this episode will give you the clarity you need.This episode is a great resource for anyone looking to join the industry or agency owners who want to share it with their recruits.Topics Covered:How do you get licensed?What does a life insurance agent actually do?How do commissions work?Do I...2025-03-1421 minFFL USAFFL USAHow to sell IUL Insurance Policies as a New AgentIn this episode hosted by Andrew Taylor, he talks with 2 agents who are excelling in Indexed Universal Life (IUL) Insurance Policies, both with different levels of experience. Integrity Partner and insurance legend, Zac Twardowski, and his protege and new agent, Jake Wambaugh, are both here to give YOU the tips needed to start selling IUL’s. Whether you are a new or experienced agent, you will be able to find examples on how to write these policies effectively and with ease. Get ahead of the New Year and learn how to take advantage of IUL’s today!2023-12-2658 minElite Sales PodcastElite Sales PodcastWhich Leads Work the Best ft. Zac Twardowski, Kaylani Sanchez, and John Bacaron06-02-22 Zoom Call hosted by Albert Lau ft. Zac Twardowski, Kaylani Sanchez, and John Bacaron2022-06-0659 minVelocityVelocityWeekend Warriors Podcast | Episode 82FFL Member Zac Twardowski shares his sales strategy plan in this week's episode of Velocity's newest podcast.2021-12-2823 minVelocityVelocityWeekend Warriors Podcast | Episode 3FFL VELOCITY EPISODE THREE: FFL Member Zac Twardowski shares some insight into effective sales strategy in this week's episode of Velocity's newest podcast.2021-09-2423 minGet Your Mind Right, The Podcast (Family First Life Central)Get Your Mind Right, The Podcast (Family First Life Central)Mindset & SuccessZac Twardowski, the newest Integrity Partner, meets with Bryan Mendenhall to talk about his mindset with building a business and finding success with the FFL System.2021-09-0318 minIntegrity \Integrity "Inspire" PodcastEPISODE 93: Zac Twardowski — Never Too Soon to SucceedTwardowski Insurance Agency President Zac Twardowski, the youngest partner in Integrity’s history, talks about how he has achieved success so quickly.2021-09-0239 minIntegrity \Integrity "Inspire" PodcastEPISODE 93: Zac Twardowski — Never Too Soon to SucceedTwardowski Insurance Agency President Zac Twardowski, the youngest partner in Integrity’s history, talks about how he has achieved success so quickly.2021-09-0239 minFFL NEXT LEVEL Sales Training CenterFFL NEXT LEVEL Sales Training CenterTrue Talk Podcast Ep. 162 - Zac TwardowskiToday, Zac Twardowski joins us on True Talk and shares his story. He planned to go to medical school but found this opportunity instead. Zac shares how he got to building an agency and how he has remained humble throughout all his growth and success.2021-04-0627 min