MAX XIMUM LIFE E ANNUAL REPORTT 202 2 26
L E T ' S A D VA N CE T H E G O S PE L !
“So the word of the Lord continued to increase and prevail mightily.” A CT S 19:20 ( E S V )
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A MESSAGE FROM ZACH When Maximum Life began in 1995, the goal was simple: take God's Word as far as it would go. I could never have imagined where that would lead. This year, five new stations in Indiana began carrying our radio program. Our online content passed five million views. Our library of books kept growing, and we took the first steps toward a permanent studio for this ministry. Hardly a day goes by that I am not reminded that someone, somewhere, is hearing the Gospel because of what we do together. Some reject it. Many believe. Either way, we are doing what we have been called to do: preach the Word. None of this happens without you. Every broadcast, every episode, and every book is carried by people who pray and give so that others can hear. Your partnership is a seed planted for eternity, and I do not take it lightly. Thank you for standing with us. The best is still ahead.
In Christ alone,
Dr. Zach Terry FOU N DE R & P R ESI DEN T , M A X I M U M LI FE, I N C.
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S INCE 1 995
ABOUT MAXIMUM LIFE Maximum Life, Inc. is a nonprofit media ministry with one assignment: proclaim the truth of God's Word and help people live the full life Jesus promised. Led by Pastor Zach Terry, we connect Scripture to the questions people face every day. That message now travels through radio, the Code Red Talk podcast, the Ladylike podcast, books, the Maximum Life+ app, and a growing digital library. The channels are many. The purpose is one: to proclaim the Gospel, strengthen believers, and help people discover what it means to live their maximum life in Christ.
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VISION & MISSION VISION To make the truth of God's Word available to as many people as possible, so they can discover and live out their God-given purpose. We envision people from every background equipped with biblical truth to face life's challenges and experience the abundant life Jesus promised. Through apps, podcasts, radio, books, and online resources, we bridge the gap between Sunday faith and everyday life.
MISSION To proclaim the life-changing truth of God's Word through dynamic media and mentorship, empowering individuals to align with their God-given purpose and live victoriously in Christ.
LOOKING AHEAD We are building Maximum Life into a trusted, large-scale Christian media outlet: a daily source of biblically grounded commentary and news for believers, much as Daily Wire has become for conservative audiences. Every new station, listener, and resource moves us closer.
MAXIMUM LIFE, INC.
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MEET THE TEAM We are a small team with one driving mission: point people to Jesus through every sermon, broadcast, episode, and post.
DR. ZACH TERRY F O U N D E R & P R E S I D E N T Senior Pastor of First Baptist Church Fernandina Beach, host of Maximum Life Radio and Code Red Talk, and author.
JULIE TERRY H O S T , L A DY L I K E Wife to Zach, host of Ladylike, and Financial Secretary for Maximum Life.
DELANEY CREWS E X E C U T I V E A S S I S TA N T Co-host of Ladylike, Executive Assistant to Zach, and content developer for Maximum Life.
BRADEE TAYLOR S O C I A L M E D I A M A N AG E R Social Media Manager for Maximum Life platforms. N O T P I C T U R E D : Bill Carl, the voice of Maximum Life Radio · Keith Thompson, Producer
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2026 AT A GL ANCE
MILESTONES & GROWTH EXPANDED RADIO REACH
NATIONAL RECOGNITION
Five new Indiana stations joined our lineup this year. Maximum Life Radio is now heard in Florida, Alabama, Pennsylvania, and Indiana by an estimated 3 million listeners each week.
In 2026, Outreach Magazine profiled First Baptist Church Fernandina Beach, where Pastor Zach serves as Senior Pastor, as one of America's 100 fastestgrowing churches.
A GROWING LIBRARY
DOCTORATE COMPLETED
Maximum Life Publishing now offers six titles, from verse-by-verse commentaries on Luke and the Minor Prophets to practical help for families and spiritual warfare. See page 9.
Pastor Zach earned his doctorate, the fruit of years of study. That scholarship now stands behind every sermon, podcast, and book Maximum Life produces.
ALSO IN 2026
Pastor Zach took part in a think tank session with the White House Faith Office, joining Christian leaders to advance religious freedom.
MAXIMUM LIFE, INC.
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2026 RADIO REACH
4 S TAT E S · 1 2 C O M M U N I T I E S · 3 M W E E K LY L I S T E N E R S
SAME MESSAGE. BIGGER REACH. Every weekday, Pastor Zach's teaching goes out across four states to an estimated 3 million listeners, with an added Sunday broadcast in Jacksonville. This year brought our largest single expansion yet: five stations across southeast Indiana and north central Kentucky.
FLORIDA
ALABAMA
PENNSYLVANIA
INDIANA
JACKSONVILLE GAINESVILLE OCALA ORLANDO
SHEFFIELD / NORTHWEST ALABAMA
LEBANON READING
COLUMBUS GREENSBURG MADISON VERSAILLES SALEM
NEW
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NE W F O R 2026
NEW IN INDIANA
WYGS
91.1 FM
COLUMBUS
WAUZ
89.1 FM
GREENSBURG
WHMO
91.1 FM
MADISON
WKRY
88.1 FM
VERSAILLES
W233AO
94.5 FM
SALEM
Serving south central and southeastern Indiana and north central Kentucky
PENNSYLVANIA REACH Carried on Truth FM across Lebanon and Reading, serving the Harrisburg, Lebanon, and Berks County region.
WLEB-LP
93.1 FM
LEBANON
W249AA
97.7 FM
LEBANON
W292FD
106.3 FM
READING
Coverage areas sh own are approximate. In dian a coverage adapted from th e W YG S n etwork coverage map (wygs.org).
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M AXI M UM L I F E PUBL I S HI NG
SERMONS THAT LAST A sermon is heard once. A book can be read for a lifetime. Maximum Life Publishing turns years of preaching and study into resources that believers, families, and small groups can return to again and again. Every title is also included in the Maximum Life+ app.
C O M M EN TAR Y
Commentary on Luke's Gospel
C O M M EN TAR Y , W IT H D R . R IC H T UR NER
Commentary on the Minor Prophets
B IOGR APH Y
Set Apart: The Life and Legacy of the Apostle Paul
FA M I LY
D IS C IPL ES H IP
H IS T OR IC AL FIC T ION
Parenting in a Culture War
Our Fight: How to Survive and Thrive in Spiritual Warfare
The Silver and the Blood
ORDER TODAY
ZACHTERRYBOOKS.COM 09
M AXIM UM L IFE M EDIA
A MESSAGE THAT TRAVELS Through radio, Code Red Talk, Ladylike, sermons, and short-form video, Maximum Life meets people where they already are: in the car, on their phones, and in their feeds. And the people listening are younger than you might think.
3M
5M
66%
of our audience is between 25 and 44, the generation raising families,
estimated weekly radio listeners
views across our platforms
3M
impressions
886K engagements
building careers, and deciding what they believe.
20.2K YouTube @CodeRedTalk
7.5K Facebook
1.9K Instagram
DOWNLOAD THE APP A LL SI X B O O KS I NC LU D E D Every book on the previous page is included in Maximum Life+. The app puts the whole library in one place: all of Pastor Zach's books, Sunday and Wednesday sermons, every Code Red episode, radio, blog posts, and subscriber-only content. Premium access from $3.99/month
Figures from the 2026 M aximum Life media kit.
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CHANGED L I VES
WHY WE DO THIS Numbers tell part of the story. Changed lives tell the rest. Every week we hear from people God has reached through a sermon, a broadcast, or an episode. Here are two of them.
“
“I believed in Jesus, but I was not following Him as I should. I was living a lie and in sin. Every time I listened to Pastor Zach, I learned and listened more. Because of his ministry, I was baptized… and I went back to school. I am a better mom and a better person now. Pastor Zach's teaching brought me back to God. Because of his online sermons, I am not lost!” LESLI E
·
ON LI N E LI ST EN ER
“I listen to Maximum Life every single day. We live in South Jacksonville, but our family is thinking seriously about making the drive so that we may sit under your teaching every Sunday…” T OM
·
R A D I O L I S T E N E R , J AC K S O N V I L L E , F L
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ARTIS T' S CO N CE PT
THE VISIO N
A HOME FOR THE MESSAGE For years we have recorded wherever we could find the space. That is about to change. Maximum Life is moving forward to acquire a modular studio unit designed from the ground up for radio and video production. Delivered and fully set up in Fernandina Beach, it will give us a permanent place to produce the radio program and record podcasts and video teaching with the quality the message of the Gospel deserves. It answers a prayer we have carried for years: a lasting home for this ministry, built to serve the next generation.
960 2 40'
square feet (24 ft x 40 ft)
layers of gypsum at the ceiling for sound control aluminum ADA ramp so every guest can come in
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space for radio, podcast, and video production
EST IM AT ED PROJECT COST
$129,350
Studio unit, delivery & full setup
$129,350
A R T I S T ' S C O NC E P T
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Y OUR GI F T ON T HE AI R
WHAT YOUR GIFT CAN DO A single 22 to 25 minute broadcast of Pastor Zach's teaching costs between $55 and $122, depending on the station, or about $100 on average. What small sacrifice could you make to put the Gospel on the air?
$100 $500 $2,500 $6,000 $150,000 SMALL SACRIFICE. ETERNAL REACH.
AB OU T ON E M ON T H OF A T YPICAL H OU S EH OL D ' S S T R EAM IN G AN D APP S U B S C R IPT ION S
about 24 min 1 broadcast · One full 22 to 25 minute broadcast AB OU T S IX W EEKS OF T H E AVER AGE H OU S EH OL D ' S EAT IN G-OU T B U D GET
2 hours 5 broadcasts · A full week of weekday broadcasts AB OU T T H E C OS T OF A FOU R -N IGH T GETAWAY FOR A FAM ILY OF FOU R
10 hours 25 broadcasts · Five weeks of weekday programming AB OU T A YEAR AN D A H AL F OF T H E AVER AGE H OU S EH OL D ' S EAT IN G-OU T B U D GET
24 hours 60 broadcasts · About three months of weekday broadcasts A L EGACY GIFT FR OM A FAM ILY, B U S IN ES S , OR C H U R C H
ALL OF NORTH AMERICA Maximum Life covers North America on SiriusXM Family Talk
Broadcasts average about $100 each ($55 to $122 depending on station). Everyday comparisons are approximate, based on 2026 spending surveys: about $329 a month eating out (Ramsey Solutions), $50 to $99 a month on subscriptions for the most common household (Omni Calculator), and about $581 per person for a four-night domestic trip (ValuePenguin). Gifts can be given once or spread out monthly.
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HOW FAR CAN WE ADVANCE THE GOSPEL? Maximum Life exists to advance the uncompromised preaching of God's Word through every available medium. God keeps opening doors: new stations, new listeners, new readers, new places. Each one is another opportunity for the Gospel to change a life forever. As our reach grows, so does the opportunity in front of us. Your generosity lets us walk through those doors. Together, we can carry the message that matters most farther than ever before.
WAYS TO GIVE
PART NER T O DAY
CASH OR CHECK
ONLINE
Payable to Maximum Life, Inc. Drop off in person.
Maximum Life, Inc. P.O. Box 17226 Fernandina Beach, FL 32035
Scan the QR code or visit zachterry.org
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THE GOSPEL STILL ADVANCES. ZACH@ZACHTERRY.ORG
WWW.ZACHTERRY.ORG P.O. BOX 17226
FERNANDINA BEACH, FL 32035
MAXIMUM LIFE IS A 501(C)(3) ORGANIZATION, AND ALL GIFTS ARE TAX-DEDUCTIBLE.