What is Debt-Free 4 Life™?

Our Debt-Free 4 Life™ platform helps families eliminate their debt, the financial burden that is making their creditors rich while keeping the consumers in bondage.

We accomplish that by shifting the benefits of Compounding Interest from the banks and lenders to the client, using a Specially Designed Insurance Contract (SDIC)*. 

Our proprietary software, in tandem with the SDIC, helps our specialists track the clients debts and accumulations, and the program sends alerts when it's time to pay off each debt.

Most client families are becoming debt-free in 1/2 to 1/3 the time, without adding any new outlays to their monthly budget.  And, at the end of the plan the client has also accumulated a nice "nest egg" to help them stay out of debt in the future.

Referring Agents

Our Referring Agent program allows life-licensed agents to send their clients to a certified Debt-Free 4 Life™ specialist, and earn a commission* on cases that are placed in force.

The specialist will meet with the client family virtually, review their debt situation, and show them exactly how Debt-Free 4 Life™ will work for them. They will see what their current total Effective Interest Cost is, how quickly they can be debt-free, and how much cash they will have accumulated when the plan is complete.

The specialist will help them apply for the SDIC and keep track throughout the qualification process. Once the plan is in place the software keeps both the client and specialist informed about their progress, and when the time comes to pay off each debt they will work together to access the funds and complete the pay-off.

Become A Specialist

All agents have the opportunity to become a Debt-Free 4 Life™ Specialist, if they wish. 

Our training and mentoring program, along with our easy to follow presentation, make the client consultation process simple to learn. The proprietary software lays out the timeline and values, and contains the unique, automatic communication platform that completes the system.  The software cost is affordable*, especially against the commission potential in the program.


How are DF4L agents paid?

Agents are paid commissions based on their activity and issued sales within the program.

How much can I earn with DF4L?

Agents are paid by the insurance carriers directly. An agent's income potential is based on their individual placement rate, activity level, and ability to help clients. The average DF4L policy commission is $2,000.

Are there any fees to participate?

This depends on your level of activity. If you are simply referring warm market business there are no fees. If you wish to become a specialist yourself and gain full access to the program, there is an initial fee of $599 which includes set up of your personal software and website, and printing your initial marketing materials. There is an ongoing monthly fee of $197 for access to the software. The software allows us to keep in contact with the client and track their individual debt elimination program.

Can I be a Referring Agent only?

Yes! Many agents start out referring business to a specialist for a percentage of the commissions. This is a great way to learn the DF4L system, while you earn some extra cash and help families across America!

Can I work with outside carriers?

Yes! While agents are welcome to partner with us for our other programs, we are non-captive. You are free to maintain your current situation, and use our Debt Free 4 Life™ program to add to your portfolio!

Is there a DF4L leads program?

Yes! We have a very successful lead program, currently running in all states but New York and Alaska.

Are you working with IULs?

No. Indexed Universal Life is a great product for other applications, however, we use participating whole life as the most effective vehicle to help our clients accumulate cash to pay off their debt.

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