One Simple Question Has The Potential
To Add Significantly To Your Monthly Income...

"What Are You Doing About Your Debt?"

An Important Message For Financial Professionals

77% of The People You Know Including Your Current Clients,
Former Clients, Warm Leads, Cold Leads, AND Dead Leads...

All Have A Problem That You've Never Addressed...

Until Now!

From: Tracey Spikes, Debt Free 4 Life™ Advisor
RE: Money you're leaving on the table

Dear Fellow Financial Professional,

I know exactly how hard you work to be successful. Besides being one myself, I currently work with over 200 financial professionals, just like you.

One thing is true for all of us: it's hard work to get a lead and even harder work to earn a client's trust and their business.

But, once we break through that barrier - once we become a trusted advisor - it's easier than ever to earn repeat business and referrals.

Especially if we can solve one of our clients' biggest problems.

Which is where Debt Free 4 Life™ comes in!

Debt Free 4 Life™ solves one of the biggest problems faced by 77% of Americans...debt!

In all forms, debt is financially painful: it’s a consistent weight on the back of our minds at all times.

Debt often holds us back from the lives we want, and leads to stress, health problems, and marital issues at record levels.

Fortunately, Debt Free 4 Life™ is a smart way out of this spiral!

Not only does this proprietary system help our clients pay their debts off years (sometimes decades) earlier...

It can also save them tens of thousands of dollars in interest...

Build their wealth at the same time...

And does it all tax-free!

You Make Money While Helping Everyday People
Solve A Real Problem!

That’s are helping everyday folks pay off their debts faster, build a comfortable nest egg, and do it all tax-free!

Just recently, I helped a couple pay off a $300,000 mortgage in just 3 years...which is impressive enough on its own.

Add to that they also will accumulate over $100,000 in tax-free cash value as they complete the plan, and you can really see the power of this system!

So, what is Debt Free 4 Life™?

Simply put, Debt Free 4 Life™ is a three-legged wealth-building tool.

It allows clients to simultaneously:

  • Pay off debts ahead of schedule, potentially saving tens of thousands of dollars in interest
  • Build their personal wealth so once they are out of debt, they won't have to take out a loan to finance future big purchases
  • Do it all tax-free!

To see exactly how it works, let’s look at Mr. Dave Ramsey, founder of Ramsey Solutions & Financial Peace University:

Dave is famous for his debt payoff method, the Debt Snowball.

With a Debt Snowball, you make your minimum payment on all your debts, and put any extra funds towards your smallest debt. Once that's paid off, you "snowball" those payments towards your next smallest debt.

The size of your "extra" payments gets bigger and bigger, until you have a "snowball" of funds all going to your largest debt. It allows you to pay off your debts much faster, and save on interest.

But what happens once your debts are cleared?

You haven't saved any money, and if you need to make any kind of big purchase, you're back to borrowing!

Here's Where Debt Free 4 Life™ Really Shines!

Debt Free 4 Life™ is a modified snowball. The big difference is where those “extra” payments go. Instead of attacking your smallest debt, your extra funds instead go into a specially designed whole life insurance policy. This insurance policy accumulates dividends and the cash value grows every month with each premium payment.

Then, when you have enough funds (with some additional savings built-in), you pay off that smallest debt in full. Now, the minimum payments you were making towards that debt also go into your Debt Free 4 Life™ insurance policy, increasing your wealth faster.

Then, when it’s time to pay off the next debt, you can clear it in full out of the Debt Free 4 Life™ cash value.

Debt Free 4 Life™ helps you (or your clients) pay off debt nearly as fast as the debt snowball, but at the end, you’re not sitting on zero dollars. You’ve got a savings component built into your Debt Free 4 Life™ policy.

Now, you never need to take a bank loan for any big purchase ever again. Instead, you simply borrow out of your own policy.

Let’s see how this works in practice, with this case study:

Scott and Erin had over $320,000 worth of debt.

At the rate Scott and Erin were going, it would have taken them nearly 18 years to clear out that debt, making the required minimum monthly payments.

At the end of 18 years, they'd have no more debt, but also no savings either.

They were paying over $3,500 a month, and because they had “good interest rates”, they were confused why they weren't making a dent in what they owed.

The reason these monthly payments had such low impact was because of their effective interest cost:

Even though Scott and Erin were paying an average interest rate of just over 3%, we explained that their effective interest cost was actually more than 25%.

Meaning for every one of their $3,500 monthly payments, Scott and Erin were paying $907 in interest!

And money lost to interest is money lost forever.

Once Scott and Erin got over the shock of how much money they were paying towards just interest, we showed them the Debt Free 4 Life™ approach:

How much faster they could pay off their debt the Debt Free 4 Life™ way...

With Debt Free 4 Life™, Scott and Erin will be debt free in just over 6 years...and more importantly, they’ll be debt free over 11 years sooner than if they’d just stayed the course!

Following the plan as designed, they’ll save $49,650 in future interest by paying off their debt so much faster.

And the most important thing...

At the end of their Debt Free 4 Life™ program, five years after paying off all their debts, Scott and Erin will have accumulated $227,000 in tax-free cash value!

Which means Scott and Erin likely never have to go back into debt! Any big purchase from now on could be financed by their cash value, NOT by a big box lender.

Plus, you'd earn a happy new client and be fairly compensated for your valuable service.

This is a win-win for your client and you!

So, would you like the chance to add thousands of dollars to your bottom line each month with a 100% transferable system?

The Debt Free 4 Life™ system is 100% Turnkey.

When you join Debt Free 4 Life™ you receive your very own personalized, done-for-you marketing page that gets potential clients excited about this unique, modified Debt Snowball solution. This page has:

  • Your name and phone number and is completely branded to you, so potential clients always go through you and you’ll always get paid
  • Interactive tools to show clients just how much they could save by using Debt Free 4 Life™...these tools get clients engaged and ready to move forward before they even get on a call with you

Some clients may want more information, or have more questions. Which is why all Debt Free 4 Life™ professionals also receive a 44-page book with your name on the cover. This book:

  • Demonstrates to clients you understand the challenges of debt management and have solutions.
  • Answers the most frequently asked questions and educates clients on how Debt Free 4 Life™ will specifically help them
  • Simplifies complicated concepts into an easy-to-understand solution the client will welcome

At Debt Free 4 Life™, we want you to be successful. In fact, our #1 priority is to make sure you start earning compensation by helping people eliminate debt and build wealth as soon as possible. And that's not just lip-service. You also get access to our 24/7 online coaching group. All of our top Debt Free 4 Life™ advisors are active there. Use this group to:

  • Discover new ways to present the Debt Free 4 Life™ program to your existing clients and overcome possible objections before they even come up
  • Find out how to approach non-clients (and re-approach dead leads) in new and unique ways to re-engage them
  • Pre-frame potential clients so they’re far more likely to close...making YOU more money

And that’s everything you need to add a very nice new side income stream to your business, if you follow our simple process!

The books are co-branded with the most successful Debt Free 4 Life™ system user, Tracey Spikes.

And best of all, you can earn fair compensation while helping many Americans solve a real and pressing problem!

The investment to become a Debt Free 4 Life™ professional at our “Managing Partner” level is $999 upfront (which covers the cost of printing 100 custom-branded books for you and hard-coding your personalized marketing page) and $197/month thereafter.

Until now, we’ve kept this program small. We’ve limited it to a manageable number of advisors so we could make sure the process is easy-to-understand and highly transferable.

Multiple Ways To Earn Money As A Debt Free 4 Life™ Managing Partner!

As a Debt Free 4 Life™ Managing Partner, you have the potential to grow your business in multiple ways:

  • The ability to recruit Marketing Reps underneath you to do joint casework
  • The potential to participate in override compensation (available at participating marketing agencies only)
  • Cutting-edge communication systems to manage all your new Debt Free 4 Life™ clients
  • Access to advanced sales and marketing training exclusively reserved for Debt Free 4 Life™ Managing Partners

And again, you get all of this for just $999 today plus $197/month!

Don't Want To Do Your Own Cases? We’ll Give You Half The Compensation Just For Making An Introduction!

That’s right...our joint casework system allows you to team up with one of our experienced advisors and split the commissions. You make the introduction, they make the sale, and you both split the money 50/50.

It could be as simple as:

You: "Mr. Client, what are you doing about your debts?"

Mr. Client: "Just trying to pay them off as fast as I can."

You: "What if I told you there was a way to pay your debts off much faster?"

Mr. Client: "Go on..."

You: "Well, my colleague is a specialist at helping folks just like you pay off large amounts of debt years ahead of schedule, and at the same time build up a substantial nest egg. So your wealth builds at the same time you eliminate your debts."

Mr. Client: "Really?"

You: "Absolutely. Over the last 4 years, they've helped over 100 clients clear more than $20 million worth of debt, while at the same time saving millions in interest expenses! And they've helped them build sizeable tax-free cash value too!"

Mr. Client: "That sounds incredible, how does it work?"

You: "My colleague can explain it best. Would you like me to make an introduction?"

Mr. Client: "Yes please!"

That’s it! Make the connection, let one of our experienced advisors take the lead on a joint case, and split the commissions. All while helping your clients solve a very real problem!

You can follow in the footsteps of Rao G., a successful wealth advisor.

In 2022, Rao earned substantial commissions by making these simple introductions and doing joint cases with one of our more experienced advisors.

And here’s what Rao has to say about Debt Free 4 Life™:

This is THE referral business for me - it's something we seamlessly added on to our service offering with immediate client interest. Frankly, we've been surprised by the demand from our clients. Not just for them, but as a proactive solution for their children and grandchildren. Every financial professional should be offering proactive debt management solutions like Debt Free 4 Life™.

Remember: nearly 8 out of 10 people you know are IN DEBT. You could potentially hand out your personalized Debt Free 4 Life™ books at your local Starbucks and likely get appointments.

So you are solving a big, very challenging problem for the vast majority of Americans.

I can promise you this - if you don’t address debt as the important issue that it is there is a 100% chance another advisor will get to your contacts, your clients, your marketing list and try to take this business from you.

Americans really need your help.

The additional revenue you could earn from this program will be well deserved because, if done right, it’ll be just a small percentage of the interest savings and tax-free dollars you create for the clients you serve.

I’m excited to have you join the Debt Free 4 Life™ family and help us set thousands of American Families free from crippling debt...while also getting the change to add thousands (or even tens of thousands) of dollars to your monthly income.


Tracey Spikes
The Original Debt Free 4 Life™ Advisor

*For Agent Broker use only, not for consumer use. Educational information. Refer to existing Insurance company literature for consumer interfacing.

*Participation in overrides is subject to your agency.

*Managing Partners are not partners in a legal partnership. This is a marketing term only.