Debt Free Life®

Eliminate your debt in nine years or less, without spending any extra money.

Debt Free Life is an insurance solution that builds cash value over time. As that value grows, you can wipe out your debt step by step and save the balance for retirement, using money you already spend.

Get started See how it works

9 yrs

Or less to debt free

Extra out of pocket

Tax-favored

Retirement income

"Kick debt to the curb and rewrite your story."

Eliminate debtBuild cash value Save for retirementLeave a legacy

What is Debt Free Life®?

Debt Free Life is an insurance solution that builds cash value over time. As your cash value grows, you can eliminate all of your debt incrementally and save the balance for retirement, without spending any additional money than you already spend today.

With Debt Free Life, you can create a long-lasting legacy for your family by achieving financial freedom and retiring with tax-favored income. Our proven method has helped thousands of families get on track to financial freedom while building real retirement savings.

Find out today what a Debt Free Life plan could do for you and your family.

How to get started

Three simple steps to freedom

Schedule a consultation

Meet with a Debt Free Life consultant either in person or over a quick video call.

Review your finances

Your consultant guides you through a simple worksheet, highlighting areas of opportunity for increased cash flow.

Eliminate your debt

Put the proven Debt Free Life solution to work and start knocking out your debt incrementally with expert guidance.

Book my consultation

Real results

Families who rewrote their story

Luke & Jennifer

Were on track to be in debt for 22.5 years. Now they will be debt free in 7 years.

Alejandra

Will become debt free in 3.6 years and save over $100,000 in interest.

The Dillworths

Will eliminate their debt in 6.5 years and save over $108,000 in interest.

Results vary by individual circumstances. These examples are illustrative of the Debt Free Life program and are not a guarantee of specific outcomes.

Questions, answered

Frequently asked questions

What are the advantages of Debt Free Life?

The biggest advantage is the financial freedom that comes from being debt free. By paying off your debt in nine years or less, you can start saving for the retirement you deserve. Along the way you reduce the interest you pay to lenders, work to decrease taxes, and aim to retire with tax-favored income.

Can I afford Debt Free Life?

Yes. Debt Free Life is designed to help you eliminate debt and save for retirement without spending any more than you already spend today. The real question is not whether you can afford the program, but whether you can afford to keep waiting to start.

When should I implement Debt Free Life?

As soon as you can. The earlier you begin your journey to financial freedom, the greater your results. A Debt Free Life consultant is ready to help you get started.

I am a business owner. Can I get my business out of debt too?

Absolutely. The same approach can be applied to your business, building cash value while eliminating debt and decreasing the interest paid to lenders.

Take control of your financial future.

Connect with Michael to see what a Debt Free Life plan could do for your family. No pressure, just a clear look at the path to freedom.

Book a consultation Get a quote

Debt Free Life® is a program offered through Symmetry Financial Group. The Vigil Agency is an independent agency operating under Symmetry Financial Group and the Quility platform. This page is for general informational purposes only and is not financial, tax, or legal advice. Results vary based on individual circumstances.