My husband and I interviewed three other life insurance companies before making our decision, but we never felt completely comfortable with any of them. However, when we attended a Factum Financial seminar and heard David Zapata's presentation, we knew immediately that he was the person we wanted to work with. David's integrity is unquestionable, and his exceptional mathematical knowledge and ability to explain complex financial strategies are impressive. What sets him apart is his genuine passion for helping people. He truly cares about his clients, takes the time to answer every question, and makes sure you understand the process before moving forward.David encouraged us to read Becoming Your Own Banker and complete seven of his educational classes on whole life insurance. These classes provided valuable insight into the benefits of whole life insurance, how cash value can grow over time, and how it can be incorporated into a broader financial and investment strategy. Rather than rushing us into purchasing a policy, David wanted us to be fully educated, knowledgeable, and confident in our understanding of the financial strategy before making any commitments. His philosophy of education first and decision-making second was mind-blowing to us! We had never encountered a financial professional who placed such a strong emphasis on ensuring his clients truly understood what they were investing in before moving forward. That approach spoke volumes about his integrity, professionalism, and genuine desire to help people make informed financial decisions. It reinforced our confidence that David was the right person to guide us on our financial journey. We are grateful!

This team is truly amazing! They recently came out to speak with our real estate team, and I’m so grateful they did! They shared so much valuable information about financial planning and building long-term wealth. Both were incredibly knowledgeable, personable, and took the time to answer our questions. I learned so much from them and really appreciate how passionate they are about helping others. They are such a great resource no matter where you're located, and I would absolutely recommend them to anyone looking for financial guidance!

These guys are amazing! They know what they are talking about, they know how to help educate you based on where you are at. They will listen to what your goals are and help you know how to got to where you want to be financially in the future. They not only help you understand wealth building, but they are helping to protect you, your family, your assets, and build generational wealth. Highly recommend

The Factum team is outstanding. They have introduced me to ideas on how to manage, protect and make more money ultimately leaving a larger impact on my family's legacy. I highly recommend you inquire with these folks and take the time to learn for the future impact you will have on generations to follow.

Monty has done a great job at explaining, educating, and executing on all my policies from day one. He's patient with helping you understand your first policy and continues to support you after setup and future policies.

I had a great experience working with David Zapata at Factum Financial. David has a unique ability to take complex financial concepts and explain them at a level that anyone can understand. Every question I had was thoroughly explained, and I never felt rushed or uncomfortable asking for clarification.He took the time to walk me through concepts like whole life insurance and infinite banking in a way that made sense and helped me understand how they could fit into my overall financial picture.What stood out most to me was how David treats you like family. He genuinely takes the time to listen, answer questions, and make sure you understand what you're discussing rather than simply giving you an answer.If you're looking for someone who is patient, knowledgeable, and willing to take the time to educate you, I would definitely recommend speaking with David.I now teach the concepts to my kids, family, and colleagues so they can benefit from my experience with David, Kyle, and the Factum team.— Nici T.Monmouth County, NJ

We are in the Mesa, Arizona area and have been working with Factum Financial for a couple of years now and everything about it has been amazing! Everyone there is so knowledgeable and kind! Joe Fuller has been our agent to work with us on our whole life insurance policies and he has made the process smooth. He is always available for questions as we learn new things about the policy regularly. Whole life insurance is very misunderstood, we did not grasp it either, until Factum Financial was able to educate us. Since working with Factum they have helped us have a better understanding of our finances (including knowledge on whole life insurance), as well how to be more intentional with our money, and build stability and wealth for generations to come!

I feel so lucky to have been able to connect with Factum Financial and learn about infinite banking. I was always a good saver but allowing myself to save in infinite banking allows me to capture a rate of increase in my savings. It’s allowed me to buy my own home in Apache Junction and now begin to look at new investment opportunities. Kyle and Joe Fuller broke it down simply to me and helped me with each step along the way. Thank you guys!

Working with David Zapata has been a great experience. His educational approach to whole life insurance and the Infinite Banking Concept has been phenomenal. David is now working with our children to educate them on the merits of IBC.

I have 4 policies thanks to David! I first met David Zapata as a friend before he was with Factum Financial. I always knew David to be incredibly smart, inquisitive, honest, and helpful. When he started sharing what he was personally doing with his finances I was eager to learn more. Fast forward and now between myself, my wife, and our son we have 4 policies. David has continued to be supportive in my family's financial growth and has helped continue our education within the Factum world as our situations have evolved. We're excited for the upcoming years as our policies continue to grow. I'd easily recommend anyone to have a call with David Zapata to learn more about life insurance and Factum.

I have been working with David Zapata and he has made it extremely simple and easy to begin my whole life policy! He is amazing at educating you throughout the process.

Factum Financial, especially Joe Fuller, has been amazing to work with! I’ll admit I was a little slow to get on board at first but Joe has been more than willing to answer all my questions about infinite banking. I have never felt pressured by him and genuinely felt that he has wanted what is best for my family and me. I love the free workshops and learning material that have helped me come to love and be so excited about how infinite banking can change my life!

I live in Logan Utah and my agent Joe Fuller has been a rockstar. Joe introduced me to Factum Financial about 4 years ago and I have learned a lot of these last few years. He has completely changed my few on Whole Life Insurance and how infinite banking works with my life. Now I feel like I am on a straight path to financial freedom and making my money TOUGH. Joe has been super great to work with and always answers my phone calls or text messages with any questions or concerns. Even thought I live so far away Joe and Factum Financial have been the best people to work with and I would highly recommend them to anyone that is looking for a better way to control their financial mindset.

I have experienced the excellent advice and service from Factum for 7 years and I look forward to many more

I've been working with Factum Financial for close to 3 years now. By working with Joe, I've been able to implement Whole Life Insurance into my savings strategy. In multiple occasions I've been able to lean on the cash value of my policies for anything from vehicle loans, investment opportunities to even being to help out a friend in need. I couldn't recommend them enough!

I've been working with Kyle Fuller for over 10 years. The Factum Financial team is awesome to work with. The education that Factum provides is something that every individual and family needs to listen to. Whole life insurance is misunderstood, and they do a great job of educating on its benefits. Its a great tool to have on your journey to financial independence. I would highly recommend.

I've had the pleasure of working with Factum Financial for years and I can't recommend them highly enough! From the moment I was introduced to them, their dedication to customer service & client education was evident. The team is incredibly friendly and genuinely cares about their clients.What impressed me the most was their strong response time. Whenever their clients have questions or needed assistance, they are quick to provide clear and helpful answers. This helps reassure their clients that they are in capable hands, especially during stressful times.Their focus on finding the best solutions tailored to their client's needs makes the entire process smooth and hassle-free. An agency that combines professionalism with a personal touch! Highly recommend.

Great experience working with Monty as a newcomer to Factum. He took the time to listen and find the right direction for me and my family. Highly recommend their free courses on the website. Very insightful!

Dealing with the two people within the Factum, they were both very professional, but at the same time also very personable. I enjoyed our conversations, related to the life insurance or just life. This is a long term investment and relationship, and both have made me feel welcomed. My questions were always explained in detail and they were patient during our setting up my policy. I didn't feel pressured or rushed. I plan on joining this group for a new career.

Jim had great information and was extremely easy to work with!

I've been working with Wade Borth for more than 10 years. He has always been available and forthright with me about significant parts of my insurance portfolio. You can depend on him.

I keep getting emails from this company. To say I have a new I strange policy with an agency I have never worked with is disconcerting in the least! BTW, before giving this review, I reached out via email with no response.

Wade has been guiding us and providing us his expertise over the last decade. The plans and services have delivered, and Wade has been there every step of the way. If you are looking for customized solutions for your unique situation, Wade is the advisor for you!

What an awesome company! Wade has helped me out throughout the years (and it is he who I talk to and not a machine). And now they are adding value with an education on the money game. Wish I had come across this 20yrs. ago.

This is a great organization with great people...True professionals

Great to work with. Highly recommend. Amazing Communication.

The best agent there is! He was helpful, easy to understand, and was super informative! Highly recommend, 100%!!

Joe and the team at Factum are amazing. They make what is a pretty complex process simple and manageable. I look forward to working with this amazing group for years to come!!

Factum Financial has been super helpful in getting a great financial future. Incredible communication and all around great customer service get them 5 stars. No regrets or reservations with this company!

Tarisa is the real deal. Factum Financial has offered a great experience for our family. Her patience throughout the process helped build trust. Tarisa was thorough with educating and informing about becoming our own bank through life insurance. Factum Financial's website is a welcomed source of information is designed to answer our questions, even ones we had not thought to ask. They also offer free webinars which are invaluable. Thank you Tarisa and Factum Financial!