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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
NO COLLEGE. $125K in 6 Months! - Episode 19
What 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 trade school and giving up roof sales to bet on himself — and how that bet is paying off big.
This episode dives deep into:
✅ Braden’s $125K run in his first 6 months
✅ Why door-to-door killers are switching to insurance
✅ What happened when they finally spent $2K/week on leads
✅ The difference between broke agents and high earners
✅ Real breakdowns of IUL sales, lead strategy & pitch
✅ What they did when they failed their first month
✅ Building trust and authority as a young agent
✅ The $10,000 bet that ends with someone going bald 👀
If you’re under 25 and want to build freedom and a high-income career — or you’re stuck grinding in sales with low commissions — this one’s a blueprint.
Learn more about becoming an agent:
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