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Two young killers in the life insurance industry, Cole Jackson and Jonathan Shinn, join us to break down what they’re doing right now to produce at a high level and build an agency in Nashville. They’re only 20 and 23, but they’re already putting up eye-opening production months and growing teams fast. The best part is they don’t hide the messy side: chargebacks, cancellations, discipline problems, and why most new agents quit before they get enough reps to actually learn the game.  We get very specific on sales process and lead generation. They walk through selling final expense and working veteran leads, including what OTP verified leads are, how lead quality changes pickup rate, and why a simple roadmap beats a complicated script. If you sell over the phone, pay attention to the details they share on pacing, tonality, slowing down on options, and using a clean close that doesn’t rely on guilt or pressure. Their core message is blunt: if you think the leads suck, track your dials and tighten your process before you blame the marketplace.  Then we zoom out into agency building, culture, and long-term ownership. We talk standards, recruiting people for the right reasons, reinvesting cash flow, planning for advanced commissions and chargebacks, and staying healthy while you chase big goals. We also hit investing, AI, and why technology is opening doors for normal people to build real businesses faster than ever.  If you get value from this, subscribe, share it with a friend who sells, and leave a review so more agents can find the show. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

If you’ve ever been told you’re “independent” while someone else controls your contract, your renewals, and your future, this conversation will hit a nerve. We’re joined by Shawn Meaike, CEO of Family First Life, to unpack what it really takes to build a life insurance agency that scales and why clean ownership matters more than flashy promises. We go back to the early FFL days, when growth meant messy infrastructure, constant pressure, and even lawsuits that could have ended the run before it started. Shawn shares the mindset that carried them through: decide who you are when it’s hard, protect your family, and refuse to build a culture where people fold the moment resistance shows up. Along the way, we talk about his book Pick Money and why “money isn’t everything” still doesn’t pay the bills when life hits you fast. Then we get practical on the business mechanics agents care about: why signing an independent contractor agreement can destroy independence, how fully vested renewals work, what makes a book of business truly yours, and how real agency valuation works through EBITDA multiples and buyer due diligence. We also dig into leads, AI, and virtual sales, including why lead-based phone selling can be a better fit for introverts than the old in-home model. We close with a powerful personal turn: Shawn's shift in communication, faith, and the pursuit of peace, plus how to handle criticism without giving away control of your emotions. If you’re building in life insurance sales, entrepreneurship, or agency leadership, you’ll leave with clearer standards and sharper questions to ask before you commit anywhere. Subscribe, share this with a builder who needs it, and leave a review with your biggest takeaway. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

You can call it talent, but Steve Giordano calls it something else: boring, repetitive work done on purpose, every day. We talk through how he stacks elite personal production without relying on recruiting, and how going virtual actually increases output by freeing up time for what matters most: appointments, follow-up, and dialing with urgency. We get specific on insurance lead generation and time management, including what he spends on leads, why he refuses to marry one lead type, and how he uses simple tools like Calendly, a manual dialer workflow, templated texts, and short drip campaigns to keep prospects moving. Steve also breaks down the mindset of “mentally reset” and why fundamentals beat motivation, especially when you’re new and haven’t earned your confidence yet. Then we go deep on profitability and money management for insurance agents: structuring the business, paying yourself consistently, treating advanced commissions with respect, and avoiding the lifestyle traps that wipe out lead money. Steve walks through a clean, simple IUL explanation you can actually use, plus how annuities become easier when you ask the right questions, move only what fits suitability, and book the second call to present options clearly. Subscribe for more real-world sales systems, share this with a hungry agent, and leave a review with the one habit you’re committing to this week. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

He went from bankruptcy and foreclosure to building a life insurance agency valuable enough to sell and he did it without pretending he was a perfect closer. We sit down with Tray Honeycutt to talk through the unpolished truth: the early grind in the field, the seasons where life hits hard, and the moment his motivation finally snapped into focus. When “more stuff” is not enough to move you, what is? We unpack the practical playbook behind agency growth in the Family First Life world: how reps and hours beat talent, why persistency and clean expectations reduce chargebacks, and how building a team can stabilize your income when personal production feels inconsistent. Tray also draws a sharp line between recruiting and selling, sharing a simple filter that saves time and protects culture: tell the good, bad, and ugly, then only move forward with people who still want it. You’ll also hear how the business model evolved from strict in-home appointments to telesales, inbound calls, and modern lead types, plus the mindset shift that happened when leaders realized a profitable agency can have real enterprise value and attract private equity interest. If you’re trying to build a legitimate insurance business, this is a blueprint for standards, environment, and staying resilient when the downs show up. Subscribe for more real operator conversations, share this with a teammate who needs a clearer “why”, and leave a review with the biggest lesson you’re taking from Tray’s story. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

You can feel it happening across sales right now: door-to-door talent is looking for a business that lasts. We sit down with Chase Blakley from Nitehawk Financial and Coleton from Execute Financial to unpack the real reasons solar reps are moving into life insurance, what surprises them when they arrive, and what separates a quick flash from a scalable insurance agency that can run for decades. We get specific about the transition. Chase shares how he spoke with 23 different agency owners before choosing who to partner with, and why the “winning” call was the one that focused on education, profitability, and how to scale instead of a hard pitch. We compare the operational realities of solar vs life insurance sales: incentives that can vanish, installer headaches, bankruptcies, and the difference between getting paid through layers versus getting paid directly by carriers with consistent commission schedules. Then we dig into the playbook: structured boot camps, weekly training, script practice, and a clear first 30, 60, 90 days so new agents are not left alone with a lead list. We also break down the modern stack, from CRM and compliance to AI-powered mock calls, KPI tracking, and texting that can help set appointments. If you are researching life insurance leads, Ethos leads, insurance agency training, or how to build an IMO-style business the right way, you will walk away with a cleaner blueprint and fewer blind spots. Subscribe for more real operator conversations, share this with a solar rep who is thinking about the jump, and leave a review if it helps. What is the biggest question you have about moving into life insurance or scaling your agency? *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

A “good lead” isn’t just a name and a phone number. It’s context, intent, and a reason the client actually wants to talk to you. We kick things off with a surprise moment for Drew, then we sit down with James Catledge to talk about what separates transaction-chasers from true professionals in the life insurance and financial services world. James breaks down the shift most agents never make: going from selling a couple of products to mastering the whole license and building an agency. We get into why paid insurance leads are not optional for most people, how warm-market recruiting caps your growth, and what he saw when he walked into an FFL event full of sharp, hungry agents who were making money but leaving opportunity on the table. Then we go deep on the tactics. Financial Scoring is a needs-analysis sales platform that also creates high-intent, verified leads where the prospect self-reports key financial data to get a score and report. From there, we unpack the real retirement planning conversation: taxable vs tax-deferred vs tax-free money, why indexed universal life works when it’s structured properly, how overfunding changes the outcome, and how indexed annuities protect clients from sequence-of-returns risk when retirement is close. If you want better conversations, bigger cases, and clients who stick, this one is a playbook. Subscribe, share it with an agent who needs it, and leave a review with the number one objection you want us to break down next.

He’s sitting at roughly $720,000 for the year in personal production and the part that shocks most people is how he’s doing it: working mortgage protection hard, using a mix of paid leads and a leveraged partnership that delivers funded-loan data, then dialing it like a true cold calling system. We dig into why mortgage protection life insurance is still a huge opportunity, why “simple” doesn’t mean “easy,” and how to sell it without hype by painting a clear picture of what happens to a family when the main income earner disappears. Julius breaks mortgage protection into two clean options you can actually explain to a client: payoff or pay-down versus payment protection. That opens the door to smarter product matching, including term life, whole life, and IUL, depending on age, health, and budget. We also role-play a common objection a lot of agents lose to: “If it won’t pay off my whole house, I don’t want it.” The answer isn’t pressure, it’s logic about income disparity, time, liquidity, and avoiding foreclosure or a forced sale at the worst moment. Then the conversation gets personal. Julius shares what it felt like to get hit with setbacks, debt, and team drama, why he stepped away to “heal,” and how taking accountability flipped the switch. We compare insurance to wholesaling and health insurance through a business lens: high profit and high volume wins, and chasing shiny models can cost more than people realize. We wrap with what we look for in new agents and why inbound leads are starting to feel like a gold rush for anyone willing to learn and take calls consistently. If you get value from this, subscribe, share it with an agent who needs a reset, and leave a review telling us what you want us to break down next. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

Your CRM shouldn’t feel like a second job. We bring on Tucker George and Brandon Priest from Spark AI, plus producing agent Chase Blakley, to show what happens when a life insurance CRM, power dialer, and lead management system is built around an AI agent instead of bolted-on automations. We get specific about what agents actually need: outbound follow-up that doesn’t drop the ball, text and call sequences that improve through split testing, and real-time coaching that helps newer agents stop guessing and start acting. Chase explains how the platform can reduce the “thinking tax” during sales calls by narrowing carriers based on live answers, tightening scripts over time, and producing call feedback that helps you improve fast. We also dig into the business side of AI lead generation, including pooled Meta ad spend to reduce audience overlap, and a lead marketplace designed for transparency with metrics like pickup rates, replies, and closes instead of glossy testimonials. Then we go into the messy realities most demos skip: compliance guardrails, data privacy, prompt injection risks, spam-likely number reputation, and the real compute costs of running agentic automation at scale. We even touch the bigger questions about black-box AI models, what “always listening” means, and how to use AI as leverage without turning it into a crutch. If you care about AI for life insurance agents, insurance sales automation, AI dialers, lead quality transparency, and recruiting workflows that actually scale, you’ll get a clear picture of what’s possible right now and what’s coming next. Subscribe, share this with an agent who’s drowning in follow-up, and leave a review with the one task you’d want an AI agent to take off your plate. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

Most people say they want to “help the community.” These guests show what it looks like when you actually do it, in Spanish, at scale, while posting numbers that turn heads. We’re joined by high-producing leaders serving the Latino market through life insurance, IULs, final expense, and retirement planning, and we get into the real opportunity hiding in plain sight: millions of Spanish-speaking families who still do not have coverage or a plan. We talk leads and growth the way working agents talk about it in the field. Where are Spanish leads coming from? How do you test vendors without blowing your budget? When does warm market stop being duplicable? You’ll hear how this team moved from relationship-based production to building consistent lead flow and a system that can expand nationwide, while keeping integrity and persistency at the center of the culture. Then we shift into recruiting and community trust. One guest shares how she turns clients into introductions and how she invites people into the business without pressure. Another breaks down “Coffee With Cops” style events and why hosting beats hard selling. Finally, we go deep on annuities and 401(k) rollovers: how to “find the money,” how to present three simple illustrations, and how to explain safety and guarantees in a way normal people can understand. We even cover a clever ChatGPT trust tactic for skeptical prospects. If you want practical scripts, real-world marketing ideas, and a clearer way to serve Spanish-speaking clients with life insurance and annuities, hit play. Subscribe, share this with an agent who needs a better system, and leave a review with your biggest takeaway. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

New to selling life insurance and tired of hearing ten different opinions on what leads to buy? We sit down with Brandon Frank and Jaden Shuey right after they post monster months, $65,000 and $64,000, and we get painfully specific about what’s working for them as newer agents: how they started, what they stopped doing, and why inbounds changed their speed to skill. We unpack the real ramp-up for a new final expense agent, including how Shark Tank style free aged leads can help you get reps without lighting cash on fire, and why inbound leads feel like a cheat code once you can run an application confidently. Brandon and Jaden explain their “first 90 seconds” filter to confirm it’s a payable monthly premium, the caller fits your licensing, and the lead is actually for you. We also talk inbound vendors, call cost, the 90-second buffer trap, and why you should track your numbers instead of your emotions when results swing week to week. From there we get into what keeps business on the books: tightening your close, setting expectations, following up with older clients, and treating persistency like a skill instead of a mystery. We also talk carrier efficiency (including Americo and Ethos), learning to pivot when underwriting changes the math, and why adding IULs (indexed universal life) can create bigger deposits and stabilize income when inbound volume slows. If you’re building a life insurance sales career and want practical lead strategy, inbound scripting, and mindset that holds up under pressure, this one delivers. Subscribe, share this with a new agent who’s stuck, and leave a review with the lead type you’re running right now so we can do a follow-up. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

Health insurance feels like a trap when you are self employed: high ACA premiums, sky high deductibles, and a plan you still do not trust when life gets real. We sit down with Gaylan Hendricks, the “Queen of the Bundle,” plus Kyle Lichlyter and Tray Honeycutt to unpack a different approach built on defined benefit and fixed indemnity insurance, including Manhattan Life Affordable Choice. We talk plainly about what this coverage is, what it is not, and why “package of protection” is a better frame than trying to force one plan to do everything. We walk through how claims can actually get paid, how the Aetna First Health network is used, and why clients sometimes receive refund checks when bills settle below the defined benefit amounts. We also dig into the Medicare fee schedule, bill negotiation, and advocacy support like Careguide, including a real $211,000 hospital bill that ends with a $33,000 check back. If you have ever worried about catastrophic scenarios, you will hear how to think about risk, bridge strategies, and why education and clear paperwork matter for both compliance and client trust. Then we shift to the business: health insurance leads as a reliable way to reach high intent small business owners who can also be strong candidates for living benefits life insurance, IULs, and annuities. We cover lead sources, self generated Facebook ads, typical lead costs, appointment and close metrics, and how bundling multiple products can increase persistency and renewal income. If you want a system that helps clients while building a durable book, this one is for you. Subscribe, share this with an agent who needs better leads, and leave a review with the question you want us to answer next. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

Two young producers walk into the studio and casually drop numbers most agents never touch: Christian Judeh is 18 and writes $83,000 in premium, Ely Ruiz is 21 and edges him out with $85,000, both doing it with 100 plus applications, relentless consistency, and a system they actually follow. We break down what their days look like, what they spend on leads, and why inbound final expense telesales can turn into a repeatable pipeline when you treat it like a craft instead of a gamble. We also go deeper than production. Ely shares the hard pivot from being a Division I baseball pitcher and draft prospect to losing that identity after injury, then rebuilding through faith, gratitude, daily wins, and a team that keeps him accountable. Christian lays out the habits that keep his mind sharp and his schedule tight: clean living, discipline, time management, and the confidence that comes from getting rejected all day and staying steady anyway. Then we get tactical. You’ll hear live roleplay of a final expense sales script and objection handling, including the classics: “It said it was free,” “Call me later,” and “I gotta talk to my spouse.” We also talk agency building, technology, contracting speed, tracking issue paid, and why life insurance sales tends to rise when the economy gets tight. If you want better results, steal the words, steal the structure, and steal the standards. Subscribe, share this with a hungry agent, and leave a review so more people can find the playbook. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

A life insurance company founded in 1848 calls itself a “178-year-old startup,” and the more we talked, the more that mindset made sense. We’re joined by National Life Group Chairman, CEO and President Mehran Assadi and distribution leader Louis Puglisi to unpack what a mutual insurance company really is, why it changes the incentives, and how that structure can keep clients, claims paying, and long-term promises at the center of the business. We dig into the numbers and the reality behind the headlines: benefits paid to clients, living benefits, and why trust gets built when policyholders can actually see and manage their coverage through a modern app. We also slow down and define annuities in plain English, from tax-deferred accumulation for younger people to guaranteed income for life for retirees, plus how creditor protection can factor into planning depending on your state. Then we zoom out to the career and leadership side. Mehran shares how he went from software and strategy work to a grueling CEO interview process, why he reinvents himself through weekly self-assessment, and what “mission over commission” looks like in a tough, rejection-heavy industry. We also tackle the fears we hear all the time: “Is life insurance saturated?” and “Will AI replace agents?” Their answer is direct: the demand is bigger than the workforce, and technology should make it easier to serve people, not remove the human coach who helps families make better decisions. If you got value from this, subscribe, share it with an agent or entrepreneur who needs a deeper view of life insurance and annuities, and leave a review so more people can find the show. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

A 24-year-old producer says his biggest breakthrough wasn’t a new script or a new carrier. It was sobriety, discipline, and finally choosing an environment that actually pays agents on time. We sit down with Sam Atherton to talk about what life insurance sales looks like when you stop chasing the flashy version and start building something that lasts, from recruiting and culture to lead spend and real net cash flow.  We get honest about the unglamorous parts: bouncing through multiple IMOs, losing a team, tracking debt across carriers, and learning the hard way that stability matters more than big promises. Sam shares what he keeps each month after leads and reinvestment, how he uses small incentives to drive activity, and why removing distractions (including the “phone in the living room” rule and even using a flip phone) can change your production fast.  Then we go practical on lead generation and sales process: why many new agents should start with $1–$4 leads for reps, how to structure a final expense phone call, and how to “hit the why” without sounding salesy. We also break down mortgage protection and indexed universal life (IUL) in plain English, including how to handle illustrations, set expectations, and build trust by staying transparent when you’re new.  If you’re building a life insurance agency, selling final expense, running remote sales, or trying to recruit the right people, this conversation is packed with real-world lessons you can use today. Subscribe, share this with an agent who needs momentum, and leave a review with your biggest takeaway. *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.

$142,000 in a single month sounds like a highlight reel, but we wanted the unfiltered version, so we brought on Derrick Robison to break down what actually drove the numbers. We talk through the mix of big cases, consistent effort, and the less glamorous truth behind production: lead spend, packed calendars, no-shows, and showing up anyway. Derrick shares what his deposits really looked like, how many appointments he books, and why structure wins when motivation fades.  Derrick also traces his path from 13 years in ministry into life insurance, and why the overlap is bigger than most people think: stories, service, and getting people to move toward something that matters. From there we get tactical on modern life insurance sales, especially virtual appointments, online lead generation, and why the industry is shifting fast. If you sell indexed universal life insurance, or want to, you’ll hear how Derrick keeps his IUL presentation consistent, why he prefers one-call closes, and how he uses dialers and setters to create leverage without relying on recruiting.  The conversation goes deeper than sales. Derrick lays out a clear ethical line on affordability, why he won’t push a product that doesn’t fit, and how being blunt can still be kind if people can feel your intent. We also talk co-parenting with 50-50 custody, keeping “first things first,” and how workouts and personal routines keep stress from spilling into family life.  If you want more conversations like this, subscribe, share this with an agent who needs it, and leave a review. What part of your process needs the biggest upgrade right now? *****DISCLAIMER****** Results mentioned in this content are not typical and are not a guarantee of future performance. Individual results will vary based on a number of factors, including but not limited to experience, market conditions, product availability, and individual effort. Any examples, case studies, testimonials, or income figures shown are for illustrative purposes only and may not be representative of the experience of other individuals. Past performance is not indicative of future results. Insurance and annuity product guarantees are subject to the claims-paying ability and financial strength of the issuing company. FFL USA does not provide tax, legal, or accounting advice. Consult your own tax, legal, and accounting advisors before engaging in any transaction.