How It Works FAQs
Debt Settlement Partners

One Membership. 19 Benefits.
Built to Support Program Retention.

SavingsXL is a premium, non-insurance membership designed to provide immediate household support for consumers enrolled in long-term debt settlement programs — without disrupting settlement workflows.

It bundles everyday savings, healthcare access, protection benefits, and real human concierge support — helping households stay stable while financial progress unfolds.

What Is SavingsXL

SavingsXL is a consumer stability & retention layer for debt settlement programs.

Partners can introduce it as a simple, optional benefit that delivers day-one value while supporting long-term engagement.

  • No insurance
  • No licensing
  • No complicated explanation
  • Not a debt relief service

One login. Real usage. Premium benefits that stick.

Benefits Consumers in DS Care About Most

SavingsXL includes 19 total benefits. Partners typically lead with the benefits that resonate most during enrollment, while additional features remain available inside the participant portal over time.

Everyday Cost Reduction
  • Grocery + retail discounts (50,000+ locations)
  • Cashback at 5,000+ stores
  • Merchant deals that reduce monthly pressure
Healthcare Cost Relief
  • $0 copay telehealth
  • Prescription savings up to 85%
  • Dental + vision discounts
Protection Against Unexpected Expenses
  • Roadside assistance
  • Electronics protection up to $2,500
  • Lifestyle protections
Peace of Mind + Stability
  • AD&D coverage up to $5,000
  • Travel + emergency safeguards
  • Support during stressful life moments

Additional benefits are available inside the member portal, allowing different members to use different features over time — which supports long-term retention.

Different consumers use different benefits — increasing perceived value and long-term retention.

Support When Life Disrupts Progress

My Life Concierge

SavingsXL includes access to a real human concierge that helps consumers manage everyday burdens during stressful financial periods:

  • Finding childcare or caregivers
  • Locating doctors or specialists
  • Booking essential travel
  • Finding home services (plumber, electrician, handyman)
  • Help with appointments, schools, camps, or events
  • Reducing decision fatigue

This human support layer helps consumers stay focused and consistent throughout long-term programs.

What Debt Settlement Consumers Receive
$0 Copay Telehealth

24/7 access for the entire household, with no copays for common visits

Prescription, Dental, and Vision Discount Programs

Save up to 85% on prescriptions plus additional healthcare savings with no waiting periods

Everyday Cashback + Retail Savings

Grocery rebates, digital coupons, and discounts at 50,000+ merchants nationwide

Dining, Entertainment & Lifestyle Discounts

Savings on restaurants, movie tickets, sports and event vouchers — supporting affordable lifestyle moments

Travel and Transportation Safeguards

Roadside assistance, hotel savings, emergency travel support, and rental car discounts

Whole-Home Electronics + Phone Protection

Coverage up to $2,500 for essential devices consumers rely on for work and communication

Emergency Event Protection Benefits

Includes Accidental Death & Dismemberment (AD&D) coverage up to $5,000 and additional emergency support benefits

24/7 Concierge Support (Human Assistance Layer)

Help coordinating household needs, finding services, and reducing everyday stress during long-term programs

Different participants engage with different benefits over time — which is why SavingsXL delivers consistent value, stronger retention, and long-term program continuity.

Why It Works in Debt Settlement

Debt Settlement Deployment Options

  • Introduced post-enrollment or early lifecycle
  • Optional, cancel-anytime participant benefit
  • Discounted pricing for program participants
  • Partner-sponsored or wholesale inclusion
  • Revenue-share on active memberships

Why It Works for Debt Settlement Providers

  • Improves retention through immediate, real household value
  • Helps reduce early exits driven by non-program life disruptions
  • Easy to explain and introduce
  • Fully managed fulfillment, servicing, and member support handled end-to-end
  • Brand-safe, compliant benefit clearly separate from debt settlement services
Partner Economics

Flexible rev-share models

Recurring monthly revenue driven by strong participant retention

Transparent tracking + reporting

Getting Started

Launch in just a few days

1

Apply to partner

2

We support sales scripts, and supply tracking links, creative assets, and a dedicated partner contract.

3

Launch in days

Next Steps

We can review lifecycle placement, retention impact, and economics in a brief conversation.

Jon Noble, Managing Director

[email protected]

www.SavingsXL.com