🌟 Great leaders don’t just chase their own wins, they light the path for others.

Monserat is making that her goal, sharing how her growth came from believing in her team, pushing them forward, and helping them realize their true potential. And it all started by showing up in person at events that sparked her own fire. 🔥

💡 When someone believes in you, it can change everything. Now, she’s determined to be that person for others.

3 0

What happens when ambition meets discipline? Meet three insurance sales prodigies who are redefining success before they've even hit their mid-twenties.

Monserat Vargas, Breon Vargas, and Leo Hernandez take us behind the curtain of their remarkable journey in the insurance industry, where they're each averaging $60,000 in monthly premium—netting around $35,000 after expenses. These aren't inherited advantages or lucky breaks; their success stems from a relentless work ethic that would humble even seasoned professionals.

"I wake up at 4am every day," Breon reveals, not because someone forces him, but because his mind is "already running." This isn't a temporary hustle or flash-in-the-pan success story. These young entrepreneurs have built sustainable businesses through consistency, discipline, and an unwavering focus that's rare in any generation. Their standard schedule? 8am to 8pm, Monday through Saturday—with some Sundays thrown in for good measure.

What makes their approach particularly fascinating is how they've rejected typical young adult distractions. None drink alcohol (Breon even worked through his 21st birthday), they prioritize business growth over social activities, and rather than splurging on luxuries, they help their mother with mortgage payments. When asked if doubt ever creeps in, Montserrat doesn't hesitate: "I am an animal. I told myself from day one I'm not gonna stop."

The siblings' Naperville, Illinois office buzzes with energy—sometimes hosting 80+ agents simultaneously selling policies. They've mastered scaling by providing new agents with leads immediately, allowing them to earn while they learn. Their philosophy is refreshingly straightforward: "People overthink it. We're calling people who are looking for life insurance and we just sell them insurance."

Ready to transform your approach to sales or considering a career change? Connect with these rising stars on Instagram (@vargasmonse, @sinnfa, @theleohernandez_) and discover how discipline, focus, and the right mentorship can help you achieve what most people consider impossible.

00:53 - Meeting Young Insurance Sales Stars
03:04 - Monthly Sales Performance Breakdown
08:43 - The Secret to Their Success
19:27 - Building a Growth-Focused Team
26:26 - No Distractions: Maintaining Laser Focus
35:08 - Family Support and Personal Sacrifices
43:20 - The Value of Loyalty and Teamwork
46:36 - Connect and Grow With Them
@vargasmonse
@sinnfa
@theleohernandez_


– Experience The Family First Life Difference –

1. CARRIER CONTRACT RATES: Carrier contract rates up to 145% – PLUS Family First Life pays out monthly bonuses on team and personal production numbers on top of that.

2. TOP FREE TRAINING: Best training in the industry from active top producers teaching what is making them so successful. We will help you become the smartest agent in the field.

3. FRESH LEADS: Direct Mail Mortgage, Internet, Final Expense, Medicare, and Annuity leads. No cold calling is necessary!

4. NO FEES: No costs for training. No costs for your back office. No costs for conference events or the Annual Convention – and free license training for new agents.

5. VESTED RENEWALS: Fully vested renewals from day one and no contracts.

Learn more about FFL USA @ https://www.fflusa.com/youtube or reach out if you're interested in becoming an agent with us! https://familyfirstlifeusa.com/contact/

FOLLOW US:
Twitter: http://www.twitter.com/fflusa
Instagram: https://www.instagram.com/familyfirstlifeusa
Facebook: https://www.facebook.com/usafamilyfirstlife
Spotify and Apple Music: @fflusa

15 3

From server and bartender to crushing insurance sales at 24 years old, Luke Venzlaff's transformative journey reveals what true commitment looks like in this business. Rising at 4 AM, driving 40 minutes to his LA office, and securing deals before most agents have arrived for the day, Luke demonstrates that extraordinary success requires extraordinary discipline.

"I work my schedule around the business," Luke explains, detailing the non-negotiables that drive his consistency: minimum daily dials, at least four presentations, and a relentless focus on lead generation. This structure helped him overcome a slow start and build momentum toward writing over $40,000 in monthly business.

When faced with approximately $7,000 in chargebacks during his most productive month, Luke didn't make excuses or give up. Instead, he analyzed what went wrong, refined his approach to ensure client commitment, and emerged stronger. His candid discussion about these challenges provides invaluable insights for agents at any stage.

Luke credits much of his growth to immersing himself in positive culture and attending industry events like Ignite. "If you just take 10% of what you learn from Ignite and apply it to your business, your business can 50x," he shares. This commitment to continuous learning has accelerated his growth curve dramatically.

The powerful connection between personal discipline and professional success is evident throughout Luke's story. From limiting social media distractions to maintaining early bedtimes and structuring his week to include faith and family time, his approach demonstrates that sustainable achievement requires holistic discipline.

Ready to elevate your insurance sales game? Follow Luke on Instagram @lukevenzlaff to connect with this rising star and learn how his disciplined approach might transform your own results.

00:53 - Meeting Luke Venzlaff
02:03 - From Server to Insurance Professional
03:56 - Daily Routine and Work Ethic
10:04 - Non-Negotiables for Success
15:43 - Handling Chargebacks and Setbacks
21:40 - The Importance of Training Events
25:21 - Handling Negativity and Motivation
29:32 - Discipline and Work-Life Balance
30:31 - Working with Luke
@lukevenzlaff

– Experience The Family First Life Difference –

1. CARRIER CONTRACT RATES: Carrier contract rates up to 145% – PLUS Family First Life pays out monthly bonuses on team and personal production numbers on top of that.

2. TOP FREE TRAINING: Best training in the industry from active top producers teaching what is making them so successful. We will help you become the smartest agent in the field.

3. FRESH LEADS: Direct Mail Mortgage, Internet, Final Expense, Medicare, and Annuity leads. No cold calling is necessary!

4. NO FEES: No costs for training. No costs for your back office. No costs for conference events or the Annual Convention – and free license training for new agents.

5. VESTED RENEWALS: Fully vested renewals from day one and no contracts.

Learn more about FFL USA @ https://www.fflusa.com/youtube or reach out if you're interested in becoming an agent with us! https://familyfirstlifeusa.com/contact/

FOLLOW US:
Twitter: http://www.twitter.com/fflusa
Instagram: https://www.instagram.com/familyfirstlifeusa
Facebook: https://www.facebook.com/usafamilyfirstlife
Spotify and Apple Music: @fflusa

13 1

🌟 “God’s greatest gifts come in ugly wrapping paper.” ✍️✍️✍️✍️

That truth applies to life and to this business. The people who succeed here aren’t the ones chasing an easy way out, or wasting time partying every weekend.

We’re not looking for the lazy, the complainers, or the ones without ambition. We’re looking for those who:
✅ Have been through challenges
✅ Refuse to quit
✅ See obstacles as opportunities
✅ Want a better way forward

FFL USA is built by people who’ve overcome storms and found gratitude on the other side. Because making calls and serving families is nothing compared to rebuilding after setbacks or fighting for your future.

💪 If you’re ready to grow, push yourself, and be part of a winning team- this is where you belong.

17 0

The question isn't whether you can make six figures in life insurance sales—it's whether you're willing to put in the work required to get there.

Meet Kash Albishtawi and Morad Ahmed, two Family First Life producers who've mastered the art of insurance sales. Kash, who came to America just eight years ago without speaking English, and Morad, who left his retail job at T-Mobile during the pandemic, have transformed their lives through insurance. They now consistently earn between $50,000 and $82,000 in monthly submitted business.

What separates them from the countless others who attempt this career path? A ruthless commitment to activity and discipline. While most agents fill their days with busy work, these top producers protect their dial time religiously, making a minimum of 30 calls per hour during peak calling windows. Their workday typically runs from 8am to 8pm, with strategic blocks dedicated to prospecting, training, and closing deals. As Morad puts it, "You might be in the office for 12 hours, but how many of those hours are you actually sitting there and dialing?"

Perhaps most revealing is their approach to lead generation. They invest between $3,000-$12,000 monthly in leads because they understand a fundamental truth: "Lead flow equals cash flow." This significant investment consistently yields returns that have allowed Morad to eliminate his parents' financial worries after watching them struggle through the 2008 housing crash. For Kash, insurance has accelerated his retirement timeline beyond what he ever thought possible.

Beyond the impressive income figures lies something more meaningful—purpose and community. Both emphasize that while the money provides freedom, being part of a supportive team creates fulfillment. "Loyalty outvalues everything in life," Kash notes. The material trappings of success—the Lamborghinis and luxury purchases—offer only temporary satisfaction. The lasting rewards come from transforming your family's situation and helping others do the same.

Ready to discover if you have what it takes to succeed in this industry? Connect with Kash at 813-417-0898 or Morad at 313-502-2974 to learn more about building your own insurance business.

04:04 - Breaking into Life Insurance
08:44 - Sales Numbers and FFL Transition
21:53 - Successful Agent's Daily Schedule
27:07 - Lead Generation Strategies
34:28 - Training and Learning Resources
38:28 - The Value of Team and Loyalty
43:24 - Morad's Powerful Personal Story
49:47 - Working with them
@kaaaaaaaaaaaaaaaaaaaash
@ahmedreserve

– Experience The Family First Life Difference –

1. CARRIER CONTRACT RATES: Carrier contract rates up to 145% – PLUS Family First Life pays out monthly bonuses on team and personal production numbers on top of that.

2. TOP FREE TRAINING: Best training in the industry from active top producers teaching what is making them so successful. We will help you become the smartest agent in the field.

3. FRESH LEADS: Direct Mail Mortgage, Internet, Final Expense, Medicare, and Annuity leads. No cold calling is necessary!

4. NO FEES: No costs for training. No costs for your back office. No costs for conference events or the Annual Convention – and free license training for new agents.

5. VESTED RENEWALS: Fully vested renewals from day one and no contracts.

Learn more about FFL USA @ https://www.fflusa.com/youtube or reach out if you're interested in becoming an agent with us! https://familyfirstlifeusa.com/contact/

FOLLOW US:
Twitter: http://www.twitter.com/fflusa
Instagram: https://www.instagram.com/familyfirstlifeusa
Facebook: https://www.facebook.com/usafamilyfirstlife
Spotify and Apple Music: @fflusa

13 4

🔥 The Transamerica FE Express Solution isn’t just another product, it’s a game changer.

✅ Simplified underwriting
✅ Direct Express card accepted
✅ Level benefit options where other carriers only offer graded

Agents: if you’re not integrating this into your client conversations, you’re leaving families unprotected and business on the table. Make sure Transamerica is part of your lineup.

15 1

A strong foundation isn’t built in a single moment; it’s built through daily habits, routines, and choices.

When storms come, the people who stand firm are the ones who’ve prepared long before. They focus on small, consistent habits: showing up every day, keeping faith at the center, and building routines that strengthen their mind, body, and family.

Because when life gets tough (and it will), the strength of the foundation determines whether someone crumbles or stands tall.

15 0

What does it take to build success when life throws its worst at you? Three remarkable insurance professionals reveal their secrets to resilience and achievement in this raw, inspiring conversation.

Jordan Supino shares his extraordinary journey of battling acute myeloid leukemia while bench pressing 500 pounds to "push the cancer out." His philosophy that "foundation is everything" becomes a powerful metaphor for approaching life's inevitable storms. Rather than being defined by his diagnosis, Jordan transformed it into motivation for helping others secure their financial futures.

Meanwhile, Blake Berger takes us from the decks of sport fishing boats to becoming a rising star in insurance sales. With disarming honesty, he reveals how simple adjustments to his approach dramatically increased his client engagement. In just five months, this 27-year-old went from making his first call to consistently earning $25,000 monthly while supporting his new family.

Perhaps most fascinating is Amin Santos, who balances a high-stress cardiology career saving heart attack victims with his thriving part-time insurance business. His unique perspective from witnessing life's fragility daily brings exceptional authenticity to his client relationships.

Beyond their remarkable individual stories, these agents reveal how being part of a supportive team creates an environment where everyone elevates each other. Their conversation offers practical wisdom for anyone seeking to build something meaningful while navigating life's challenges.

Whether you're considering a career change, looking to improve your sales approach, or simply need inspiration to overcome obstacles, these authentic stories demonstrate how turning difficulty into opportunity creates both personal fulfillment and professional success.

00:53 - Introduction and Meeting the Guests
01:45 - Foundation Is Everything
04:51 - Jordan's Cancer Battle and Recovery
10:55 - Finding Purpose in Life Insurance
20:04 - Working with Jordan @jordanrealdealsupino
23:03 - Blake's Journey to High Call Volume
31:44 - Growing a Team and Changing Lives
42:16 - Amin: Balancing Cardiology and Insurance
46:41 - Working with Blake @blake.berger98
50:32 - Building Your Future with Life Insurance
58:14 - Working with Amin @aljaminsantos.bleague
@jordanrealdealsupino
@blake.berger98
@aljaminsantos.bleague


– Experience The Family First Life Difference –

1. CARRIER CONTRACT RATES: Carrier contract rates up to 145% – PLUS Family First Life pays out monthly bonuses on team and personal production numbers on top of that.

2. TOP FREE TRAINING: Best training in the industry from active top producers teaching what is making them so successful. We will help you become the smartest agent in the field.

3. FRESH LEADS: Direct Mail Mortgage, Internet, Final Expense, Medicare, and Annuity leads. No cold calling is necessary!

4. NO FEES: No costs for training. No costs for your back office. No costs for conference events or the Annual Convention – and free license training for new agents.

5. VESTED RENEWALS: Fully vested renewals from day one and no contracts.

Learn more about FFL USA @ https://www.fflusa.com/youtube or reach out if you're interested in becoming an agent with us! https://familyfirstlifeusa.com/contact/

FOLLOW US:
Twitter: http://www.twitter.com/fflusa
Instagram: https://www.instagram.com/familyfirstlifeusa
Facebook: https://www.facebook.com/usafamilyfirstlife
Spotify and Apple Music: @fflusa

16 0

Have you watched our latest podcast yet? 🎙️

The difference between goals and results comes down to one thing: non-negotiables.
It’s not about “trying” to hit a goal, it’s about refusing to miss it.

When you set non-negotiables, you stop giving yourself excuses and start giving yourself results.

41 0

What happens when a struggling college student receives a misdirected Instagram DM about insurance? For Kyle Yee, it became the catalyst for an extraordinary transformation from USC economics student to the owner of a thriving insurance agency in LA's Fashion District—all by age 23.

Kyle's remarkable journey began when he answered what he thought was a message about solar consulting. That fateful connection with industry leader Jacob Gardner opened his eyes to the potential of the insurance industry. After selling just a few policies during Thanksgiving break and receiving his first commission check of $955, Kyle made the bold decision to drop out of USC and go all-in on building his business. Fast forward 18 months, and his team now issues over $400,000 in monthly premium, with ambitious plans to expand throughout Southern California.

What sets Kyle apart isn't just his rapid success but his unwavering commitment to team culture and leadership by example. While many agencies try to extract additional profits from their agents through lead markups, Kyle negotiates better deals for his entire team. His personal non-negotiable—selling at least one policy every single day without exception—has created a contagious work ethic throughout his organization. "I'm not letting any of these guys outwork me," Kyle explains, detailing his 7AM to 10PM schedule that begins with team workouts at 5:30AM.

Kyle's refreshingly straightforward advice cuts through industry noise: focus on work ethic and coachability rather than fancy tools or shortcuts. He's never used an auto-dialer, preferring manual calls to stay fully present during conversations. As he puts it, "It's not a very hard business. It's just how hard are you actually willing to work?" This mindset has helped his team members achieve consistent success by focusing on activity metrics (300-500 dials daily) rather than chasing the latest industry trend.

Ready to join a culture-first agency that's redefining success in the insurance industry? Text Kyle directly at 925-336-4304 to learn how you can become part of his growing team.

00:53 - Meeting Kyle Yee
03:54 - Grand Opening at Four Seasons
06:56 - From USC to Insurance Journey
12:41 - Building a Team Culture
13:30 - Working with Kyle Yee
21:52 - Agency Growth Comparison
26:42 - Daily Schedule and Work Ethic
28:08 - Sales Tips and Non-Negotiables
39:36 - Staying Focused Without Distractions
45:47 - Morning Routines and Gym Culture
@thekyleyee

– Experience The Family First Life Difference –

1. CARRIER CONTRACT RATES: Carrier contract rates up to 145% – PLUS Family First Life pays out monthly bonuses on team and personal production numbers on top of that.

2. TOP FREE TRAINING: Best training in the industry from active top producers teaching what is making them so successful. We will help you become the smartest agent in the field.

3. FRESH LEADS: Direct Mail Mortgage, Internet, Final Expense, Medicare, and Annuity leads. No cold calling is necessary!

4. NO FEES: No costs for training. No costs for your back office. No costs for conference events or the Annual Convention – and free license training for new agents.

5. VESTED RENEWALS: Fully vested renewals from day one and no contracts.

Learn more about FFL USA @ https://www.fflusa.com/youtube or reach out if you're interested in becoming an agent with us! https://familyfirstlifeusa.com/contact/

FOLLOW US:
Twitter: http://www.twitter.com/fflusa
Instagram: https://www.instagram.com/familyfirstlifeusa
Facebook: https://www.facebook.com/usafamilyfirstlife
Spotify and Apple Music: @fflusa

32 0

Worried about what your friends or family will think? You’re not alone.

Most of us had that same fear in the beginning... “What will my family say? What will my friends think if I go all in on this?" but once you stop caring what people think and start focusing on building your business, everything changes.

The people who matter will support you. The rest? They’ll watch you win from the sidelines.

10 0

🚨 In our most recent podcast, Brenda and Daniel reminded us what it really looks like to have the desire to win.

While most people are winding down for the night, they are still on the phones calling Hawaii until midnight because their financial situation demands it. That kind of hunger is why they are winning.
Too many agents say they want success, but when you look at their activity, it does not match their words. If you are in a tough spot financially, you should be working with the same urgency Brenda and Daniel have shown.

🔥 Success does not happen sometime or when it is convenient. It happens when you refuse to miss opportunities and work until the job is done.

19 0

Daniel Samano and Brenda Garnica share their journey from previous careers to becoming successful insurance agents who each sell $30,000 monthly while raising four children together.

• Transition from barbering and utility company work to insurance during COVID
• Attending convention as a pivotal moment in their career journey
• Working together as a couple and providing honest feedback to each other
• Overcoming phone anxiety – Brenda admits to crying after difficult calls
• Building relationships with clients by being human and authentic
• Effective objection handling techniques for common situations
• The importance of loyalty in building a sustainable business
• Replacing existing policies when they don't adequately serve clients
• Training part-time agents to succeed with dedicated schedules

00:53 - Meet Daniel and Brenda
02:14 - From Barbers to Insurance: Career Change
05:57 - Working Together as a Married Couple
09:26 - Selling Life Insurance from Home
16:48 - Objection Handling in Action
22:28 - Working with them Daniel and Brenda
32:38 - Life Center Technology and Ignite Event
53:53 - Closing Thoughts and Recommendations
@thedanielsamano
@shes.a.closer

– Experience The Family First Life Difference –

1. CARRIER CONTRACT RATES: Carrier contract rates up to 145% – PLUS Family First Life pays out monthly bonuses on team and personal production numbers on top of that.

2. TOP FREE TRAINING: Best training in the industry from active top producers teaching what is making them so successful. We will help you become the smartest agent in the field.

3. FRESH LEADS: Direct Mail Mortgage, Internet, Final Expense, Medicare, and Annuity leads. No cold calling is necessary!

4. NO FEES: No costs for training. No costs for your back office. No costs for conference events or the Annual Convention – and free license training for new agents.

5. VESTED RENEWALS: Fully vested renewals from day one and no contracts.

Learn more about FFL USA @ https://www.fflusa.com/youtube or reach out if you're interested in becoming an agent with us! https://familyfirstlifeusa.com/contact/

FOLLOW US:
Twitter: http://www.twitter.com/fflusa
Instagram: https://www.instagram.com/familyfirstlifeusa
Facebook: https://www.facebook.com/usafamilyfirstlife
Spotify and Apple Music: @fflusa

28 2

Objection Training: Mortgage Protection

Sometimes clients want enough coverage to completely pay off their mortgage. But if their age or health makes that cost unrealistic, here’s how you pivot:

👉 Be honest: a full mortgage payoff may not make financial sense.
👉 Reframe: focus on what they qualify for and what’s affordable & comfortable.
👉 Solution: a whole life plan that can cover 1–3 years of mortgage payments. This gives their family breathing room to grieve, sell the home, tap into equity, or even explore a reverse mortgage without losing the house overnight.

💡 Remember: It’s not always about paying off the entire balance. It’s about protecting time, stability, and peace of mind for their loved ones.

21 1

Who are you surrounding yourself with?

Stats don’t lie:
✅ Being around A players — top producers and performers — increases your performance by 15%.
❌ Being around B or C players drags you down by as much as 30%.
This business is already tough enough. Protect your mindset, your circle, and your growth. Negative friends, family, or coworkers? Cut the noise.

If you want to level up, get around winners. Your results will follow.

20 0

Too many people underestimate what this business really takes.
Yes, the opportunity is real.
👉 You have to buy leads.
👉 You can lose money if you don’t work.
👉 If you treat this like a 9–5 job, it won’t work.
The difference between those who make it and those who don’t? Work ethic.
Sales is a grind — you earn your paycheck with activity, consistency, and resilience. Top agents know going in that it’s hard work. But if you commit, go all in, and stay disciplined, the rewards are unlike anything else.

24 0

Do you know how to “find the money” in a client’s budget? 💡

Top producers understand that selling life insurance isn’t always about adding a new bill — it’s about reallocating what the client already has.

Example: If a client saves $500/month, ask when they plan to use it. Then show them how shifting a portion into a policy:

✅ Protects their family
✅ Adds living benefits
✅ Offers potential market growth

No extra monthly cost. No financial strain. Just smarter budgeting that turns “I can’t afford it” into a yes.

8 0

🚨 Are you writing the new Americo Eagle Select Final Expense product yet?
It’s quickly becoming a top choice in the field:
✅ Low pricing & strong value for clients
✅ Approves more cases by looking at the whole client, not just yes/no answers
✅ Over 8,200 apps submitted in a single week
✅ $16 million in premiums in the first 3 months
If you’re not offering it, you could be missing out on one of the most flexible, client-friendly final expense products in the market.

16 0

When it comes to writing business, product choice isn’t random, it’s strategic.

✅ NLG – Best for younger, healthier clients with minimal medications. These cases shine when you’re building strong cash value, like in IULs. Always confirm with underwriting guides or a quick call if you’re unsure on approvals.

✅ Mutual of Omaha / Americo – Go-to for permanent death benefit protection when cash value growth isn’t the main priority. These carriers are also more lenient with certain health conditions, making them ideal for clients who may not qualify with NLG.

Top producers master their needs analysis, ask the right medical questions, and place clients where they’ll get the most value — every time.

6 0

Are You Talking to Your Clients About Living Benefits? ⬇️

National Life Group has delivered millions in living benefits providing policyholders with real financial relief when life takes an unexpected turn.

These benefits give clients access to funds while they’re still living, whether to cover medical costs, keep up with household expenses, or simply provide breathing room during challenging times.

By including NLG in your recommendations, you’re not just offering insurance, you’re offering options, flexibility, and peace of mind when it’s needed most.

3 0