Matawan, New Jersey · Since 2016

Leading your future.

The #1 turn-key leadership company for insurance agents, agency builders, insurance clients, and dreamers. We help people get out of debt, into a career, and into ownership of their time.

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Keith Fonseca, CEO of AJF Financial Group
7.5KCommunity followers
2.5M+Social reach
500+Paid members
10People team
What we do

Four programs, one purpose

Each one meets people at a different point on the same road — out of debt, into a career, and into ownership of their time.

DJ Debt Free — Hope Dealer Community

DJ Debt Free

A guide, a kindred spirit, and an online influencer leading others to become 100% debt free across the five wellness categories that most impact quality of life — emotional, physical, spiritual, occupational, and financial.

For: anyone ready to get out from under it

Freedom L.I.E.S. Here Sales system

Freedom L.I.E.S. Here

A proven sales system that empowers new sales reps to sell life insurance more effectively — and turns dreamers into doers.

For: new and developing agents

Pipeline Lite Recruiting

Pipeline Lite

A high-value, white-glove recruiting service — soliciting, booking, and delivering candidates directly to a recruiter's video room, giving back their most precious asset: time.

For: agency builders and recruiters

Debt & Tax Pro — Beat Them Both Planning

Debt & Tax Pro

Specializing in leading individuals and businesses to eliminate debt, become tax free, and insure their future through a custom plan and the right life insurance product.

For: families and business owners

Keith Fonseca
Our mission

Support at every stage of the journey

At AJF Financial Group, our mission is to provide comprehensive and unwavering support for entrepreneurs interested in the financial and insurance industries at every stage of their journey — from envisioning and initiating the dream, to establishing the business, and beyond.

We empower aspiring entrepreneurs by providing training platforms and resources to develop their skills and knowledge. As part of our dedication to growth, we offer turnkey recruiting services, ensuring that businesses have access to top talent.

We are driven by a commitment to excellence, innovation, and unwavering integrity. Together, we empower businesses to transform dreams into reality and achieve sustainable success.

Insurance

Coverage built around what you're protecting

We're independent, so we compare carriers rather than selling one company's product. What fits a 32-year-old with a mortgage is not what fits a 68-year-old planning final expenses.

Most common

Term Life

Coverage for a set period, typically 10, 20, or 30 years. The highest death benefit for the lowest premium.

Best for: income replacement while children are at home

Permanent

Whole Life

Lifetime coverage with a fixed premium and cash value that builds over time. It doesn't expire and it doesn't get repriced.

Best for: lifelong coverage and estate planning

Simplified

Final Expense

Smaller whole life policies sized to cover funeral costs, medical bills, and outstanding debts. Often no medical exam.

Best for: seniors, or anyone with health concerns

Targeted

Mortgage Protection

Coverage sized to your remaining mortgage, so your family keeps the house if something happens to the person paying for it.

Best for: new homeowners and refinancers

How it works

Three conversations, not thirty

  1. Tell us where you are

    Fill in the form, or call. We ask about your situation, your obligations, and where you want to be.

  2. We build the plan

    Whether that's a policy, a debt strategy, or a path into a sales career, we come back with real options and what each one costs.

  3. You decide, we handle the rest

    If something fits, we walk it through with you end to end. If nothing does, we'll say so.

What others say about us

In their words

"Best in the world!"

Since integrating these strategies, we've seen a dramatic increase in our team size, with quality hires that truly align with our vision.

Melissa Brian

"Such a blessing!"

With these intuitive solutions, I've doubled my team size with sheer precision and speed. It's the ultimate tool for seamless talent acquisition.

Donna Paulsen

"Learned so much!"

Discovering this platform was a game-changer for me. Within 3 months I landed my dream job and now earn $10K monthly. The process was smooth and the support unparalleled.

Samantha Williams
Our story

How AJF was created

In 2016, Andrew Joseph Fonseca — a W-2 employee, an entrepreneur at heart, and a dreamer — died of kidney failure at the age of 41. After being hit by a drunk driver in 2002, he had undergone thirty surgeries over a fourteen-year period.

"Drew" knew his time was limited. He was ready to become an entrepreneur and start a career in life insurance. He ran out of time first.

You have a gift, and it's your duty to share it with the world.

— Keith Fonseca, CEO · "DJ Debt Free"

AJF Financial Group carries his initials and his intention. From securing a debt free future, to finding your ideal candidates, to supporting you with a quick video on your bad days — we are committed to supporting our clients every step of the way.

Keith Fonseca and Andrew Joseph Fonseca
The brothers behind AJF Financial Group.
Get started

Tell us where you want to go

Takes about a minute. A real person reviews every request and follows up.

  • No cost, no obligation
  • A licensed agent, not a call center
  • Insurance, debt strategy, or a career path
  • Reply STOP to any text and it ends immediately
About you
What you're after
How we may contact you

Consent to receive text messages or calls is not a condition of purchasing any product or service. You can also reach us directly at (732) 207-0788.

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Privacy Policy

AJF Financial Group (“we”, “us”, “our”) respects your privacy. This policy explains what we collect, how we use it, and who we share it with.

Information we collect

When you submit a form on this site we collect your name, email address, mobile phone number, ZIP code, and the details you provide — together with a record of your consent, including the date, time, and the exact language you agreed to.

How we use your information

  • To respond to your request and prepare what you asked for
  • To contact you by text message about your request (updates, appointment scheduling, and follow-up)
  • To submit an application to an insurance carrier, if and only if you choose to apply
  • To maintain a record of consent as required by mobile carriers and applicable law

Mobile information and text messaging

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We do not sell your personal information, and we do not sell or share your mobile number or SMS opt-in data.

Message frequency and rates

Message frequency varies. Message and data rates may apply. Consent to receive text messages is not a condition of purchasing any product or service.

How to opt out

Reply STOP to any message to stop receiving texts. Reply HELP for help, or contact us using the details below. Opting out of text messages does not affect your quote, your policy, or any other service you receive from us.

Insurance carriers

If you choose to apply for a policy, we share the information necessary to process that application with the carrier you select. This happens at your direction, is separate from any marketing use, and does not include your SMS opt-in data.

Cookies and site analytics

We may use cookies to understand how visitors use this site. That information is aggregated and is not linked to your mobile number or opt-in data.

Data retention and security

We retain consent records for as long as required to demonstrate compliance with applicable regulations, and we apply reasonable administrative and technical measures to protect your information.

Your rights

You may request access to, correction of, or deletion of your personal information by contacting us using the details below.

Contact us

AJF Financial Group
19 Briarwood Drive
Matawan, NJ 07747
(732) 207-0788
keith@ajffinancialgroup.com

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Terms & Conditions

These terms govern your use of this site, your request, and your enrollment in text messages from AJF Financial Group.

Text messaging program

By checking the SMS consent box, you agree to receive recurring automated text messages from AJF Financial Group at the mobile number you provide, regarding your request (updates, appointment scheduling, and follow-up).

  • Consent is not a condition of purchasing any product or service.
  • Message frequency varies.
  • Message and data rates may apply.
  • Reply STOP to cancel at any time. Reply HELP for help.
  • Carriers are not liable for delayed or undelivered messages.

Supported carriers

The program is available on major U.S. mobile carriers. Carrier support may change without notice.

Quotes are not offers of coverage

A quote is an estimate based on the information you provide. It is not a contract, not a binder, and not a guarantee of coverage or price. Coverage begins only when a policy is issued by the carrier and the first premium is paid. Final rates depend on carrier underwriting.

Eligibility

You must be at least 18 years old and the account holder or an authorized user of the mobile number you provide.

Accuracy of information

You agree to provide accurate information and to notify us if your contact details change. Material misstatements on an insurance application may void coverage.

Programs and results

Information on this site is educational and general in nature. It is not legal, tax, or financial advice. Testimonials reflect individual experiences and are not a guarantee of any particular income, financial, or business outcome. Results vary.

Changes to these terms

We may update these terms from time to time. Continued use after changes take effect constitutes acceptance.

Contact us

AJF Financial Group
19 Briarwood Drive
Matawan, NJ 07747
(732) 207-0788
keith@ajffinancialgroup.com