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
Create guaranteed income in retirement
Protect future income from market loss
Leave a legacy for your loved ones
Create guaranteed income in retirement
Protect future income from market loss
Leave a legacy for your loved ones
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

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.
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.