After entering your financial data, our software charts the plan for you.  It identifies inefficient dollars and redirects them into your modern whole life policy to make them more efficient.  You will make minimum payments on your debts and each debt will be paid off in a lump sum at a specific time.

One of the major components of the debt free in 3™ plan is a uniquely designed modern whole life policy. We will use this policy to take advantage of favorable tax codes and guaranteed growth as we pay down your debt and build wealth at the same time.  As we build up cash values in the policy, the debt free in 3™ 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, you will send the freed up dollars back to your policy and continue that process until all of your debts are gone!

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.