Three young insurance agents – Monserat Vargas, Breon Vargas, and Leo Hernandez – reveal how they've built successful sales careers averaging $60,000 in monthly premium and netting around $35,000 after expenses. Their relentless work ethic, disciplined schedules, and commitment to helping others creates a blueprint for success that contradicts typical expectations for people their age.

• Waking up at 4am and working 12-hour days, 6 days a week as their standard schedule
• Building an energetic office culture with 80+ agents selling simultaneously 
• Providing new agents with leads immediately so they can earn while learning
• Staying focused by eliminating distractions and avoiding typical young adult activities like drinking
• Helping their mother with mortgage payments rather than spending on luxuries
• Maintaining unwavering discipline even through personal challenges
• Creating a team atmosphere where loyalty matters more than short-term financial incentives
• Leveraging Instagram for recruitment and building their personal brands
• Opening multiple offices to expand their impact and create opportunities for others

If you're looking to join a team of dedicated young agents who are changing the insurance industry, connect with them on Instagram: @vargasmonse, @sinnfa (Breon Vargas), and @theleohernandez_.

Luke Venzlaff shares his journey from server and bartender to successful insurance professional, revealing the work ethic and mindset that helped him overcome challenges and reach the top of the leaderboards at just 24 years old.

• Waking up at 4 AM daily to drive 40 minutes to his Los Angeles office
• Setting "non-negotiables" instead of goals, including daily minimum activities that must be completed
• Moving out of his parents' house to create financial pressure that motivated greater success
• Handling approximately $7,000 in chargebacks by improving his approach to client commitment
• Attending industry events like Ignite to learn from top producers
• Creating a strong office culture where agents support each other through challenges
• Maintaining discipline in personal life with early bedtimes and limited social drinking
• Viewing setbacks as learning opportunities rather than reasons to quit
• Structuring his week to include Bible study and family time while still prioritizing business growth

To connect with Luke, follow him on Instagram at Luke Venzlaff or call him directly. He's always open to helping new agents succeed and sharing his experience in the insurance industry.

Top insurance producers Kash Bashtawi and Morad Ahmed share their journey from humble beginnings to earning $50,000-$82,000 monthly in the life insurance industry, revealing how this career path has completely transformed their financial futures and family lives.

• Life insurance changed their career trajectory, with Kash coming to the US without speaking English and Morad transitioning from T-Mobile during the pandemic
• Successful agents follow a structured 8am-8pm schedule, protecting their dial time and making a minimum of 30 calls per hour
• Top producers invest $3,000-$12,000 monthly in leads because "lead flow equals cash flow"
• The biggest difference between struggling and successful agents is consistency and discipline in daily activities
• Financial success in insurance allows agents to take care of family, with Morad now covering all his parents' expenses after watching them struggle during the 2008 crash
• Being part of a supportive team provides more fulfillment than material possessions, with "loyalty outvaluing everything in life"
• Door-knocking experience makes phone sales seem easy by comparison—some agencies still send agents into the field to appreciate virtual sales

If you're interested in learning more or joining the industry, contact Kash at 813-417-0898 or Morad at 313-502-2974, or find them on Instagram.

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.

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.

What does it take to build a thriving life insurance business while raising four children? In this episode, Daniel Samano and Brenda Garnica share their inspiring journey from a barber shop and utility company job to consistently selling $60,000 in combined monthly premium with Family First Life.

When Brenda lost her stable job, the couple faced a turning point. With no prior insurance experience, they both got licensed and dove into the business headfirst. Their path wasn’t easy and Brenda admits she would shake during calls and sometimes cry after tough interactions, while Daniel had to learn the industry from scratch. But together, they pushed through fear, leaned on mentorship, and built a system that works.

In this conversation, they open up about:

• Transitioning from barbering and utility work into life insurance
• Attending convention as a pivotal moment in their career
• Overcoming phone anxiety and learning to be authentic with clients
• Effective objection handling strategies they use every day
• Replacing policies that won’t pay out to better serve families
• Balancing marriage, parenting, and business without letting one destroy the other
• Building a team of 40+ agents while recognizing the reality of who actually sells
• Why loyalty and intentionality are non-negotiable for long-term success

Their story proves that with full-time effort the life insurance industry can change your family’s future while giving you the chance to impact countless others.

👉 Reach out to Daniel and Brenda to learn more about joining them at the upcoming Ignite event in Palm Beach: ignyteevent.com

Transamerica unveils its groundbreaking changes to their Final Expense Express product, featuring an innovative text-to-sign process and expanded underwriting acceptance for multiple health conditions.

• New six-digit PIN signature process launches August 8th, simplifying virtual sales
• Policy application takes under 8 minutes with underwriting decisions in first 3 minutes
• Expanded underwriting now approves combinations of serious conditions for level coverage
• New Policy Promise feature provides immediate confirmation to build client trust
• Intelligent Social Security billing enhances policy persistence
• IUL Express with instant decisions up to $500,000 launching in November
• Term Express product coming in 2026

From the high-stakes world of professional poker to the competitive field of insurance sales, Riad Mourssali's remarkable journey demonstrates how transferable skills and unwavering work ethic can lead to extraordinary success regardless of formal education or background.

After ten years making a living at poker tables, Riad found himself at a crossroads when online poker faced regulatory challenges. When a friend showed him substantial commission deposits after just two months in insurance, his interest was piqued. Despite initial skepticism about whether the opportunity was "too good to be true," Riad decided to test the waters.

What followed was a testament to his commitment. Rather than dabbling part-time, he leveraged his vacation days to work 12-13 hour days, making an astonishing 800-1000 dials daily to accelerate his learning curve. The results were undeniable – within ten months, he earned $200,000 while investing approximately $45,000 in leads. His success continued to scale, reaching as high as $447,000 in annual income.

The parallels between poker and insurance sales are fascinating. Both require reading people effectively, maintaining emotional equilibrium during inevitable fluctuations, and trusting that consistent action produces consistent results. As Riad explains, "You can have a bad day, you can have a bad week, but if you do the same consistent activity, you cannot have a bad month or year."

Currently specializing in Indexed Universal Life products, Riad brings a consultative approach to clients, designing solutions based on their specific needs rather than pushing one-size-fits-all products. His assertive communication style builds credibility and guides clients toward solutions they've already indicated they need.

For those considering a career change or seeking financial growth, Riad's straightforward advice resonates: "This business will change your life, but it's completely on your shoulders. It's not get-rich-quick. It's get-rich-for-sure if you put in hard work and invest in leads." His personal testimony—"I'm nothing special, I'm a high school dropout, all I do is work hard and follow the system"—offers hope that with the right mindset and actions, extraordinary success is attainable for anyone willing to put in the work.

Ready to transform your financial future? Connect with Riad today to learn more about opportunities that could change your life.

Meet the young revolutionaries transforming the insurance industry. John Egan, Thomas Fox, and Max Konopka—all under 22 years old—have built multimillion-dollar agencies at Family First Life, defying conventional wisdom about success in sales.

Their stories demolish the myth that age equals achievement. John candidly shares his journey from selling drugs at 12 to building an empire. Thomas reveals how he lived in his car while attending college before insurance changed everything. Max started at just 17, setting appointments before he was even licensed. Today, they lead teams averaging $10,000+ in monthly production per agent.

What's their secret? A relentless commitment to accountability and an unapologetic approach to team culture. They've created environments where mediocrity isn't tolerated—from agent houses where team members live together to 4:30 AM wake-up calls enforced with ice water for those who don't comply. Their training systems are comprehensive, their expectations crystal clear, and their results undeniable.

These leaders aren't afraid to invest heavily in promising recruits, sometimes flying them out, providing accommodations, and funding initial leads. But their generosity comes with stringent expectations—those unwilling to embrace the culture are quickly removed.

Perhaps most fascinatingly, they've mastered the virtual insurance landscape, dramatically increasing productivity compared to traditional in-home sales. Even serious setbacks don't derail them—John shares how he returned to the office to sell a policy immediately after spending 47 days in the hospital following a near-fatal accident.

Connect with John (@officialjohnegan), Thomas (@ThomasFox01), or Max (@MaxKonopka) on Instagram to learn more about their approach to building sustainable wealth through insurance sales. This conversation is essential listening for anyone serious about achieving extraordinary results in sales, regardless of age or background.

Jimmy Yousif, Jason Daly, and Manny Coleman share how they built a thriving life insurance agency in San Diego with 60+ agents by focusing on disciplined sales techniques and genuine client relationships.

• Jimmy averages $30,000 monthly in personal production with his highest month reaching $65,000
• The team uses a unique "whisper feature" allowing experienced agents to coach newer salespeople during live calls
• Their sales approach emphasizes empathy and treating elderly clients like family members rather than prospects
• The three key traits they look for when recruiting: hard work, coachability, and positive attitude
• Their success philosophy centers on "What if it does work out?" instead of focusing on potential failure
• The team maintains discipline through 5:30 AM workouts and office hours until 7 PM
• They're expanding into virtual agent recruitment to overcome office space limitations

Contact the team directly through their Instagram profiles or website universeinsurance.com if you're interested in learning more about joining their agency.