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Capital Financial Group
Hosted by Zac Twardowski, a top agency owner partnered with Integrity Marketing Group, we bring you weekly interviews with agents at every stage of their journey.
From brand-new agents to seasoned agency owners, we dive deep into their stories—how they got started, the steps they take to write massive numbers each month, and how they’re building and scaling successful agencies. Many of our guests come from blue-collar backgrounds and have completely transformed their lives through this business.
We cover everything from financial success, daily habits, and sales strategies to recruiting, training, and developing new agents. If you're looking for actionable insights to grow your agency and maximize your earning potential, this is the podcast for you.
Capital Financial Group
How Francis Sold $1 Million in Life Insurance in One Year (After Losing It All) - Episode 15
In 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-door sales, owning a company, and real estate investing
✅ Why life insurance is the best business he’s ever been in
✅ The mindset shift that allowed him to scale up with IULs
✅ How virtual sales and social media transformed his business
✅ Why consistency, leads, and investing in yourself matter
✅ The power of working smarter (not just harder) over time
✅ How anyone — regardless of age or background — can win big in insurance
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