'Living Benefits' are a revolutionary innovation that can help protect your family's plans for today and tomorrow.

Why should EVERYONE consider adopting Living Benefits?

  • Recent studies show that nearly half of all Americans suffer from at least one chronic illness, and many of these people have one or more daily activity limitations.
  • 1 in 2 men and 1 in 3 women develop cancer in their lifetime.
  • 60% of all bankruptcies are due to medical issues. Of those that filed for bankruptcy, nearly 80% had health insurance.
  • One in four people with cancer delayed or turned down recommended care because of cost.

Our Crusade:

▶ We need to share the insight and understanding that the wealthy have with every family we can reach.
▶ Families must set goals and have a clear plan to reach them.
▶ We are driven by our desire to help the American family get into a better, stronger financial situation.

We are committed to this vision, almost everyone needs this help.


An Indexed Universal Life (IUL) policy gives market protection and market potential all in one simple solution.

  1. Life Insurance Protection
  2. Growth Potential
  3. Index Account Options
  4. Protection against downside risk*
  5. Tax Advantages
  6. Tax Free Access
  7. Tax Deferred Earnings
  8. Tax Free Loans & Withdrawals**
  9. Tax Free Death Benefit

Helping Find Solutions

We start the process by doing a personalized Financial Needs Analysis that takes a snapshot of a family’s current financial situation. We then make recommendations based on their goals and objectives allowing us to select the right products that best fit that family’s individual needs.

Virtual Financial Group’s Associates have access to some of the most respected companies in the industry today. This gives them access to a portfolio of leading-edge products designed to help families achieve financial independence.