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Pay off debt and achieve your financial goals.

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Expert guidance on how to eliminate debt and make your money work for you.

We were carrying $213,931 in debt, it would have taken us 30 years to pay off. Now, we’ll pay it off in 9 years.

Shelly J.

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Debt Free Life®

Policies are issued by Foresters Financial, a legacy in the industry that has provided long-term financial security for nearly 150 years.

Rated “A” for excellent balance sheet strength and operating performance 20 years running

Debt Free Life is a modern way to pay off your debt using the cash value of a specialized whole life insurance policy.

Eliminated over $300+ million in scheduled interest since 2019

How does Debt Free Life® work?

For individuals who are paying their bills on time and contribute to a savings or retirement account, Debt Free Life is a modern way to pay off your debt using the cash value of a specialized whole life insurance policy.

Get Your Personalized Debt Elimination Report

Using our exclusive software, your certified Debt Free Life consultant will generate a personalized debt elimination report showing you how and when to pay off each debt and forecast when you become debt free/project the amount of interest you'll save.

Build Cash Value

Extra funds are redirected into the cash value of your policy. Now, your money will accrue guaranteed interest and annual dividends.

Pay Off Debts

Using the money in the cash value of your policy, you will begin to pay off the principal balance of your debts. By borrowing money from yourself, you can pay off your debts faster and reduce interest owed to banks and lenders.

Start Living Debt Free

Once your debts are paid off, you can use your policy funds for large purchases, retirement, or a child’s education.

Start Living Debt Free

Once your debts are paid off, you can use your policy funds for large purchases, retirement, or a child’s education.

I appreciate being more educated on how to better handle our finances.

L. Dillworth

Ready To Get Started?

Schedule a Consultation

Submit some basic information then meet with a certified Debt Free Life consultant online or in person.

Review Your Personalized Debt Elimination Report

Learn more about your debt and scheduled interest in your personalized debt elimination report.

Take Back Control

Your consultant will show you how to redirect your inefficient funds into a specialized whole life insurance policy to pay off your debts and reduce interest.

Continued Support From Your Debt Free Life Consultant

Your certified Debt Free Life consultant will provide continued support throughout the process to help you get out of debt and achieve your financial goals.

In 6.5 years, I’ll be debt free and saving over $108,000 in interest.

-Patrick D.

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Personalized Debt Elimination Report

Your certified Debt Free Life consultant will present a personalized report to visually represent your debts and scheduled interest. Your consultant will show you how redirecting inefficient dollars into the cash value of a whole life insurance policy will help you eliminate debt incrementally and build savings. You will also find out when you’ll become debt free and see how much interest you will save.

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Start Achieving Your Financial Goals

Debt Free Life helps you eliminate debt with the cash value savings component of a permanent life insurance policy. Read more about permanent life insurance and how these specialized policies can help you achieve your financial goals.

Frequently asked questions

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Let's Get Started

Are you ready to become debt free?

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