Integrity Expands Life Insurance Distribution with Acquisition of Twardowski Insurance Agency

August 31, 2021

Integrity acquires thriving IMO, welcoming youngest Managing Partner in company history

DALLAS – Integrity Marketing Group, LLC (“Integrity”), the nation’s largest independent distributor of life and health insurance products, today announced it has acquired Twardowski Insurance Agency (“Twardowski Insurance”), an independent marketing organization (“IMO”) based in Denver, Colorado. As part of the acquisition, Zac Twardowski, President of Twardowski Insurance, will become a Managing Partner in Integrity. Financial terms of the transaction were not disclosed.

Twardowski Insurance has surpassed many milestones since its inception and quadrupled in size during the past year alone. The company provides life, mortgage protection and final expense insurance through its agents across the Rocky Mountain region. In 2021, Twardowski Insurance is on track to place more than $35 million in annual paid premium, serving 30,000 Americans.

“Zac has shown both drive and work ethic right from the beginning of his career,” explained Bryan W. Adams, Co-Founder and CEO of Integrity Marketing Group. “Innovation is driving our industry and Integrity’s proprietary resources give energetic partners like Zac the tools they need to shape the future of insurance. His perspective and example will empower other agents looking to create a path to partnership. We can’t wait to see what the future holds for Zac and his team as we welcome Twardowski Insurance to the Integrity family.”

“I’m at the beginning of what I want to accomplish in my career, and I know I can get there so much faster with Integrity propelling me forward,” said Zac Twardowski, President of Twardowski Insurance. “This partnership puts my agents in a better position, it helps my employees, and it allows me to focus on what I’m good at — teaching agents how to build profitable agencies. I’ve never been afraid to work hard, and I want to show others where hard work and the right partner can take them. I’m so proud to partner with Integrity — to say I’m thrilled would be an understatement.”

Twardowski Insurance will leverage Integrity’s insurtech platform of proprietary technology, including CRM, product development, MedicareCENTER, data and analytics, and quoting and enrollment tools. All Integrity partners can utilize Integrity’s business infrastructure for success, which includes IT, human resources, legal and compliance, as well as access to a world-class advertising and marketing agency.

In addition, Twardowski Insurance can now offer its employees meaningful company ownership through the Integrity Employee Ownership Plan.

“Zac is an incredible example of the opportunities young producers can obtain with Integrity when they possess an openness to learn,” said Shawn Meaike, President of Family First Life and Managing Partner at Integrity. “In a few short years, Zac has created an immensely successful business. He realizes what Integrity brings to the table for his future growth and sees an incredible opportunity to impact the industry for the better alongside Integrity. We look forward to adding Zac’s fresh perspective to our team and I couldn’t be happier to welcome him as our newest partner.”

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About Integrity

Integrity, headquartered in Dallas, Texas, is a leading distributor of life and health insurance, and provider of innovative solutions for wealth management and retirement planning. Through its broad partner network of agents and advisors, Integrity helps millions of Americans protect their life, health and wealth with a commitment to meet them wherever they are — in person, over the phone and online. Integrity’s proprietary, cutting-edge technology helps expand the insurance and financial planning experience for all stakeholders using an omnichannel approach. In addition, Integrity develops products with carrier partners and markets them compliantly through its nationwide distribution network. Providing best-in-class service to their clients and consumers is at the center of Integrity’s holistic approach to life, health and wealth protection. The company and its partners focus on helping families and individuals prepare for the good days ahead, so they can make the most of what life brings. For more information, visit

About Twardowski Insurance Agency

Twardowski Insurance Agency, also known as FFL Capital, is headquartered in Denver, Colorado, and is a leading independent distributor of life insurance products. Twardowski Insurance Agency helps clients with their mortgage protection, final expense and life insurance needs, and teaches both existing and new agents how to effectively help their clients. Twardowski Insurance Agency’s agents serve more than 30,000 clients annually. In 2021, Twardowski Insurance Agency expects to help insurance carriers place more than $35 million in new premium.

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