Eliminate debt and build wealth.

Get out of debt without spending more money each month.

What is Debt Free Life®?

Debt Free Life harnesses the power of a life insurance policy to help you pay off debts while decreasing the amount of interest you pay to lenders. On average, in nine years or less, your debt will be paid off and the cash value of your insurance policy grows as tax-free retirement savings.

Achieve Your Financial Goals

The Debt Free Life solution provides you with the opportunity to make your money work for you.

Create guaranteed income in retirement

Protect future income from market loss

Leave a legacy for your loved ones

Achieve Your Financial Goals
The Debt Free Life solution provides you with the opportunity to make your money work for you.

Create guaranteed income in retirement

Protect future income from market loss

Leave a legacy for your loved ones

Are you on track to have the retirement you’ve always wanted, or is debt getting in the way?
Join thousands of families on the path to financial freedom.

How It Works

Schedule a Consultation

Meet with a Quility advisor online or in person

Review Your Financial Worksheet

Find areas of opportunity for cash flow

Eliminate Debt

Harness the power of a permanent life insurance policy

See how Debt Free Life helps our clients.*
DEBT FREE IN 7.8 YEARS
Oliver was struggling to maintain his mortgage payments and pay off his student loans. Before Debt Free Life, it would have taken him 40 years to get out debt, as well as cost Oliver $187,573 in interest.
DEBT FREE IN 3.8 YEARS
As a small business owner, Clara has significant loans. She is on track to become debt free in 12.7 years but knows that getting out of debt faster will help her business increase cash flow and reduce the amount of interest she pays to lenders.
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DEBT FREE IN 5.8 YEARS
Austin is on track to pay off his debts in 27.5 years. But between credit cards and auto loans, Austin’s debt keeps piling up.
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Debt Free Life helps you eliminate debt, build wealth and protect your family with permanent life insurance. Read more about permanent life insurance policies and how they can benefit your family and finances.

One-on-One Consultations 

In your personalized consultation with an insurance advisor, you will learn how the Debt Free Life solution can eliminate your specific debts incrementally. You will also learn how to further leverage the cash value component of your life insurance policy to build a legacy for your family and retire with tax-favored income. Our network of trusted advisors are here to support you as you plan for the retirement of your dreams.

FAQs

We’ve got you covered.

FAQs
We’ve got you covered.

When should I join the Debt Free Life program?

You should implement Debt Free Life as soon as you are ready to start paying off debt! It’s simple to get started, and within nine years or less you will be debt free and on track to a financially secure retirement.

Can I afford Debt Free Life?

Yes! Debt Free Life allows you to accomplish your goals without spending any more money than you are currently spending. You are utilizing funds from the cash value of your life insurance policy to help pay down debt, which reduces the amount of interest paid to lenders over time.

What are the advantages of Debt Free Life?

The main advantage of Debt Free Life is the ability to eliminate debt. Along the way, you will also reduce the amount of interest paid to lenders, decrease taxes, and build a tax-favored income stream for retirement.

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Let’s Get Started

Are you ready to become debt free and build wealth fast?