The stability of a thin liquid film bounded by two free surfaces is examined in the presence of insoluble surface-active agents. This study is broadly aimed at understanding enhanced stability of emulsions with the increasing surface concentration of surface-active agents. Surface-active agents not only cause gradients in surface tension but could also render surface viscosity to be significant, which could vary with surface concentration. We employ two phenomenological models for surface viscosity, a linear viscosity model and a nonlinear viscosity model. In the latter, surface viscosity diverges at a critical concentration, which is termed the "jamming"limit. We show that rupture can be significantly delayed with high surface viscosity. An analysis of the "jamming"limit reveals that Γi(nl)>3D/M provides a simple criterion for enhanced stability, where Γi(nl), D, and M are the normalized initial surfactant concentration, disjoining pressure number, and Marangoni number, respectively. Nonlinear simulations suggest that high surface viscosity renders free films remarkably stable in the jamming limit, and their free surfaces behave like immobile interfaces consistent with experimental observations. Furthermore, it is shown that rupture times can be arbitrarily increased by tuning the initial surfactant concentration, offering a fluid dynamical route to stabilization of thin films. © 2020 Author(s).