Pay off debt and achieve your financial goals.
Expert guidance on how to eliminate debt and make your money work for you.
Your certified RefugeFG 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.
Ready To Get Started?
Schedule a Consultation or fill a form
Submit some basic information or 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.
You can fill the form or book a consultation with mak
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See How Zero Debt Life Helps Our Clients.
Don't Be AN Onlooker This is Your Chance to be debt free
Zero Debt Life®
Policies are issued by Lafayette Life Insurance Company, 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
Eliminated over $300+ million in scheduled interest since 2019
Zero Debt Life is a modern way to pay off your debt using the cash value of a specialized whole life insurance policy.
How does Zero Debt 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
Build Cash Value
Pay Off Debts
Start Living Debt Free
FAQ’s
We’ve got you covered .
As soon as you are ready to start paying off debt! It’s simple to get started – begin by filling out our short form and a certified Zero Debt Life consultant will be in touch to schedule your free consultation.
By redirecting overpayments or discretionary income into the cash value of your policy, you become your own bank and pay off debts with no additional out-of-pocket expenses. Premiums for whole life insurance, like other types of life insurance, depend on your age and health at the time you apply.
In your first consultation with your HavenFG consultant, you will discuss your existing debts, interest rates, principal balances and all current payments you’re making towards debts. Your consultant will then use our exclusive Debt Free Life software to break down the amortization schedule for each debt to find the point where more money will be going to principal, rather than interest.
No, Zero Debt Life is for people who are paying off their debts on time and trying to find a more efficient way to pay them off faster. We redirect your inefficient dollars to fund a specialized whole life policy with our exclusive software to create the most efficient strategy.
The main advantage of Zero Debt Life is putting you back in control of your finances by eliminating debt. You will also reduce the amount of interest paid to lenders while accruing funds in the cash value component of a whole life insurance policy.
As you pay off debts with the guidance of a certified Debt Free Life consultant, your credit score may improve. There are no credit checks required when applying for a life insurance policy.
We were burdened with a $150,000 debt, a seemingly insurmountable obstacle that loomed over us for 25 years. Thanks to our newfound financial strategy, we're thrilled to share that we've slashed the timeline to just 7 years. It's a liberating feeling to envision a debt-free future much sooner than we ever thought possible.
Dylan May