THE DBR SOLUTIONS UNIVERSE

More solutions.
More opportunity.
One DREAMS.

Turn the next business conversation into a world of possibilities. Connect your clients with the products, people, and platforms to take their next step.

20CONNECTED RESOURCES
7PATHWAYS TO EXPLORE
One team.BEHIND YOUR BUSINESS
YOUR CLIENTS HAVE GOALS.You have an ecosystem.LET’S CONNECT THE TWO.

THE DREAMS PRODUCTS PORTFOLIO

Find the right next step.

Choose a section or search the full collection.

Personalize Your Links

Enter your Dreams agent ID once

We will add it to every personal referral link on this Products Portfolio page and remember it on this device.

Enter AA followed by four digits, or simply enter the four digits.

01

Discover YOUR POSSIBILITIES

Explore the DREAMS opportunity

Two ways to start a meaningful business conversation.

2 resources
01Renewal IncomeRenewals for Life — What Are You Really Building? Watch the full overview

Renewals for Life

What are you really building? Introduce the DREAMS business opportunity with the full Renewals for Life overview. Explore how relationships, ongoing client value, and renewal income can help you build a business with a longer view.
Explore Renewals for Life
02Business Owner BriefingShow Me the Money — The Business Owner Briefing

Show Me the Money — DREAMS Score

Start a value-first conversation with business owners, CEOs, and CFOs. Share the Business Owner Briefing, explore the sample DREAMS Score Report, and help a business discover where a closer look could reveal savings and growth opportunities.
Explore the Business Owner Briefing
02

Discover YOUR POSSIBILITIES

Start & assess

Open the conversation. Find the opportunity.

4 resources
03 Back Office The Dreams Back Office

The Dreams Back Office

Your command center for everything Dreams Business Resources. The Back Office gives you real-time access to your team's activity, leaderboards, quick links, training resources, and the full suite of DBR tools — all in one powerful, agent-ready dashboard. This is where leaders manage, track, and grow their business every single day.
Visit Site
04 Assessment The Dreams Score Report

The Dreams Score Report

A 15-minute business financial assessment that uncovers $50,000 to $500,000 in hidden savings, tax credits, and profit opportunities across six key areas — debt, retirement, expenses, assets, money, and security. The Dreams Score is your most powerful door-opener: no cost to the client, immediate value, and a direct path to your full product portfolio.
Visit Site
05 Partnership Dreams Partnerships

Dreams Partnerships

Join a nationwide network of independent agents and build a business that pays you for life. Dreams Partnerships gives you access to 100% lifetime renewals, no licensing required to get started, interactive client presentations, and a full suite of text and email campaigns. This is the 1-in-a-million B2B opportunity — built for people who want to own their future, not just their job.
Visit Site
19 Business Intelligence Dreams Score Analysis — understand financial health across six connected pillars

Dreams Score Analysis

Start a guided business conversation across six connected pillars of financial health. Use a clear opportunity map to identify where a business may benefit from a closer look.
Start Analysis
03

Recover YOUR POSSIBILITIES

Tax & savings

Explore tax credits, cost savings, and recovery.

4 resources
06 Tax Credits Research & Development Tax Credits

R&D Tax Credits

Only $15 billion of the $100 billion in available R&D tax credits was claimed last year — did your clients get theirs? Tax Prep Advocates handles the entire process so businesses can claim government incentives they are already entitled to, even if they are not yet profitable. No industry is excluded. We make it easy, handle the paperwork, and get businesses back to what they do best.
Visit Site
07 Tax Credits FICA Tip Tax Credits

FICA Tip Tax Credits

If your clients operate restaurants, bars, salons, or spas with tipped employees, they may qualify for a federal tax credit that returns employer-paid FICA taxes already paid to the IRS. Under IRS Code §45B, businesses can claim the current year plus up to three prior years. Tax Prep Advocates checks eligibility, files the claim, and handles everything — turning an overlooked overpayment into real cash back.
Visit Site
14 Energy Savings Dreams Energy Solutions

Dreams Energy Solutions

Lower your business or home energy costs by up to 40% — without changing your utility provider. Dreams Energy Solutions delivers predictable savings, zero upfront cost, and increased profits for qualifying commercial and residential customers across the US. Keep your existing utility, just pay less. This is one of the most compelling conversations you can have with any business owner: immediate savings, no disruption, and a recurring income opportunity for you.
Visit Site
18 Import Recovery Tariff Refund Recovery — a massive refund opportunity is hiding in plain sight

Tariff Refund Recovery

Help qualified U.S. importers explore potential tariff-recovery opportunities that may be buried within their historical customs entry data. Bring a timely recovery conversation to businesses that import products.
Explore Opportunity
04

Care YOUR POSSIBILITIES

Health & benefits

Connect businesses with employee benefit solutions.

2 resources
08 Health Benefits Trumark Health — Smarter Benefits. Better Health.

Trumark Health — Quantum 125 & Group Health

Give employees the care they deserve while saving employers $600–$900 per enrolled employee annually. Trumark Health's Section 125 Pre-Tax Quantum plan prioritizes preventative health and wellness at no net cost to the employer or employee. It does not replace existing medical coverage — it enhances it. A true win-win that strengthens benefits packages, improves retention, and reduces overall healthcare costs.
Visit Site
11 IUL / Benefits GOALL Group IUL — Build Tax-Advantaged Legacy.

GOALL Group IUL

GOALL — Growth Only Automated Life & Legacy — creates a true win-win for employers and employees. By offering benefits that protect against market, income, health, legislative, and tax risks, GOALL helps employers attract and retain top talent while strengthening company culture. The Group IUL program aligns employee desires with employer goals, boosting loyalty, improving recruitment, and lowering benefit costs — all while building lasting financial legacies.
Visit Site
05

Protect YOUR POSSIBILITIES

Insurance & legacy

Explore protection for families, income, and the future.

2 resources
12 Insurance Dreams Insurance Solutions — Protection for What Matters.

Dreams Insurance Solutions

A comprehensive insurance platform offering Flexplan supplemental benefits, Indexed Universal Life (IUL), and Annuities — all designed to protect income, build tax-advantaged wealth, and create financial security for individuals, families, and business owners. Dreams Insurance Solutions gives your clients access to the right coverage at the right time, with licensed agents who understand the full DBR ecosystem and how each product fits together.
Learn More
13 Life Insurance ETHOS — Life Insurance, Simplified.

ETHOS Life

Get instant life insurance — no medical exams, no blood tests, and no waiting. ETHOS Life, presented by Mike Hinsvark and Dreams Insurance Solutions, makes it simple for clients to get the coverage they need in minutes. Featured in Business Insider, Forbes, Fortune, and Yahoo Finance, ETHOS is the modern standard for term life insurance — fast, affordable, and fully digital. Protect your family today.
Visit Site
06

Accelerate YOUR POSSIBILITIES

AI & technology

Connect smarter. Automate more. Grow your reach.

4 resources
09 Technology Dreams Technology — Sandler Partners. Smarter Tech. Stronger Growth.

Dreams Technology — Sandler Partners

A full portfolio of technology solutions and providers through a single point of contact. Dreams Technology powered by Sandler Partners delivers unmatched telecom, cloud, cybersecurity, and connectivity services to businesses of every size. One relationship, hundreds of providers, and a dedicated advisor who does the heavy lifting — so your clients get the best technology at the best price without the complexity.
Visit Site
15 AI Marketing Dreams AI Optimization

Dreams AI Optimization

Your marketing is not broken — the internet changed. Customers have switched to AI tools like ChatGPT and Gemini, and if your business is not showing up in AI search, you are invisible. Dreams AIO optimizes your business to be the answer when AI engines are asked about your industry. Get your AI Visibility Snapshot and start showing up where your next clients are already looking.
Visit Site
16 Social Automation Dreams Engager Pro — Facebook Automation

Dreams Engager Pro

Learn how to show up on Facebook the right way — consistently, authentically, and without guesswork. Dreams Engager Pro is an AI-powered tool that boosts smarter social engagement, better messaging, and relationship-based outreach. Track reactions, comments, and engagement in real time, and leverage the best technology to build your audience and grow your business through the most powerful social platform in the world.
Visit Site
17 AI Assistant Dreams AI Assistant

Dreams AI Assistant

Never miss a call or lead again. Dreams Business Cloud deploys AI employees that answer 100% of your inbound calls, filter out spam, qualify prospects, schedule appointments, and manage customer service — 24 hours a day, 7 days a week. Turn your business into a profit-generating machine that works while you sleep. Your AI team is always on, always professional, and always converting every conversation into an opportunity.
Visit Site
07

Build YOUR POSSIBILITIES

Funding & renewals

Explore business capital and recurring relationships.

2 resources
10 Business Funding Bank Breezy — Business Funding.

Bank Breezy Funding

Your business ideas deserve funding — and Bank Breezy finds the best offers to fuel them. Through a single application, businesses access multiple top funders competing for their deal, resulting in better approval odds, best offers, and the best repayment terms. Bank Breezy is so confident in their platform they offer a Meet or Beat guarantee: get $500 if they cannot beat your best offer elsewhere.
Visit Site
20 Recurring Revenue Dreams Renewals — Beyond One-Time Sales. Build Renewal Income.

Dreams Renewals

Show business owners and agents the difference between one-time transactions and income that can continue with ongoing client relationships. Build a conversation around recurring value.
Explore Renewals

START WITH A CONVERSATION

A stronger business starts
with the right connection.

Discover the opportunity. Explore the solutions. Put your DREAMS resources to work.

Explore the DREAMS Score ↗