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Plan Details

The debt free in 3 plan uses modern banking principles to quickly eliminate debt and build wealth. Rather than focusing on diminishing your lifestyle to get out of debt, this strategy shows you how to significantly reduce the interest you pay, reduce your tax burden, and build wealth in a way that creates tremendous cash flow during retirement.

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Identify Inefficient Dollars


During your free discovery session, you will work with your debt specialist to get a snapshot of your basic financial situation. After entering in all your financial data, our software charts the plan for us. The first thing it does is identify areas where your income is not being used in the most efficient way and the system will redirect that money to make it more efficient.

Make Minimum Payments to All Debt

Only minimum payments are made to all your debts moving forward and each debt will be paid off in a lump sum at the appropriate time.

It's not magic, it's just math combined with a few incredible strategies.


Build Up Cash Value in Your Own Bank

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Next we will take inefficient payments identified in step one and redirect that money into your own bank that you will create with your debt specialist. One of the major components of this Debt FREE in 3 Plan is a uniquely designed life insurance policy. We use life insurance to take advantage of many favorable tax codes as we pay down your debt and build your wealth. As we fund the insurance policy each month we build up cash value all along the way making your money work twice as hard.

Take Out Policy Loans to Pay Off Debt

The insurance company allows you to borrow money against your death benefit, based on the cash value in your policy. The DF3 plan will tell you exactly when to take out a policy loan to pay off your first debt. As your first debt is paid off, use that freed up money to increase your cash value in your policy.


Your money will now be accomplishing two things at the same time for you. Your inefficient dollars can cancel debt and grow wealth simultaneously! That concept is at the core of this strategy.


Once we have paid off all of your debts with the debt free in 3™ Plan you can use your policy for large purchases like cars and education.  At this point you now have a strong financial base and can use the policy to invest in things like real estate, business or whatever you decide.  You will also be able to create a supplemental retirement income.

Many thousands of people who are utilizing the Debt Action Plan system are sleeping better at night and you could too!

Meet with a Certified DF3 Professional to:

  • Discover exactly when you will have all your debts paid.

  • Find out how much money you will save.

  • Receive your own personalized debt free in 3 report.

So what are you waiting for? It's FREE to get started. A certified DF3 professional will use our exclusive software to generate your very own Personalized DF3 Report showing you how and when you too can be DEBT FREE!



It's as easy as...
Submit and Schedule

Submit a request for a FREE consultation with one of our Certified DF3™ Professionals.

The purpose of the consultation is to answer any of your questions. As well as gather your debt information needed to generate your Personalized DF3™ Report.

Review your DF3 Report
  • Receive a Personalized DF3 Report and Plan. 

  • Discover exactly when you will have all your debts paid.

  • Find out how much money you will save.

  • Compare this plan to your current plan.

Plan and Implement

Your Certified DF3 Professional  will show you how to redirect your Inefficient Dollars into a specially designed dividend-paying whole life insurance policy to pay off your debts and reduce interest.

Additional Benefits

pay off debt

  • Know when and how much to pay on your debts

  • Get out of debt in a fraction of time from your current schedule/plan

  • Reduce the volume of interest you are paying to lenders 

  • No Credit Check

  • Can even IMPROVE your credit score


Certified DF3 Professional

  • Meet with a Certified DF3™ Professional that will personalize your plan to your unique needs

  • Can meet with them by phone, virtual or in person. 

  • Our team of professionals have specialized training with our customized software and with the modern whole life policies used for the DF3™ Plan

  • Have continued access to your DF3™ Professional 

Modern whole life policy

  • Borrowing from your policy does not reduce the ability for your cash value to keep growing

  • You can borrow and earn at the same time

  • Have a death benefit

  • Borrowing from your policy is not dependent on credit or income verifications

Increase your CAsh-Flow

  • Decrease your tax burden

  • Save for College and other large purchases

  • Retire with tax-favored income

  • Retire with the lifestyle you become accustomed

  • Become your own Bank

  • Build a legacy to leave to your loved ones

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