Agent Financial Checkup Tool

Debt Eliminator

The Afortus Debt Eliminator is an educational financial-planning calculator used by Afortus insurance agents during a financial checkup. It illustrates how a person's existing payments could be sequenced using current income and existing creditor terms.

An educational cash-flow illustration, not a consumer debt service.

The Debt Eliminator reviews current balances, required payments, interest rates, and available cash flow. It illustrates a sequence that prioritizes the highest-interest obligation and then applies each completed payment to the next existing balance.

Afortus does not provide debt settlement, debt consolidation, credit repair, lending, collection, or creditor-negotiation services. Afortus does not use text messaging to advertise or enroll consumers in the Debt Eliminator.

What the Debt Eliminator does not do.

It does not change creditor terms, negotiate or settle an account, combine accounts, forgive a balance, reduce the amount owed, or send payments to creditors. Individuals remain responsible for paying their creditors directly under their existing account terms.

Financial Checkup

Illustrating existing obligations and future cash flow.

Review the current picture

A financial checkup identifies balances, required payments, interest rates, expenses, and available cash flow.

Illustrate a sequence

The calculator models how directing available cash flow and completed payments toward existing balances could affect a payoff timeline.

Plan the next transition

After existing obligations are paid, a financial checkup can identify savings, protection, investment, and other long-term goals for the available cash flow.