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Transamerica offers the Premier Business Platform in North America.

Transamerica a 100 Billion dollar 100 Yr old Powerhouse and WFG support Virtual Financial.

We are in a licensed profession doing business in all 50 States and have never had a single complaint “Zero” with all 50 State Insurance Departments.

We have an A Rating with The BBB and “Zero” complaints 

Virtual Financial has a 4.6 Rating with Glassdoor. Higher than Google 4.4, Facebook 4.4, Apple 4.0, Dell 3.4, Intel 3.8, Oracle 3.3, HP 3.3, GE 3.7, Samsung 3.2 & every single financial services company Primerica 3.9, WFG 4.0

With Trust Pilot we have a 9.0 Rating

Virtual Financial was founded by top-earning industry leaders who saw the vision how working “virtually” can provide a new level of freedom and success to a wider group of people than the traditional system can accommodate.

leadersm-thawleyIn Financial Services since 1980, principal founder Rich Thawley is a recognized name in the industry. From career inception his organizations have recruited more than 1 million people. His organizations have generated billions in annuity deposits and insurance premiums. He is a consultant to World Financial Group and Transamerica Financial Advisors and serves on the Board of Directors of several companies. Rich married his college sweetheart Cindy and is the father to 3 children and grandfather to 2 grandchildren.

Virtual Financial Founders Nominated for EY Entrepreneur of the Year

With their game-changing online business model in a 150-year old $6.2 trillion industry, Virtual Financial has been nominated for EY (formerly Ernst & Young) Entrepreneur of the Year

SAN FRANCISCO, Sept. 15, 2015 /PRNewswire/ — Fresh off Virtual Financial’s ground-breaking 3D online 1st Annual Convention and impressive first two years growth, the company founders have been recognized for true innovation and success with a prestigious EY Entrepreneur of the Year nomination. Hosted by EY for over 25 years and considered one of the most prestigious business award programs in the country, the EY Entrepreneur of the Year awards program celebrates the country’s most innovative business leaders.


“When you listen to what the judges are looking for in companies,” says Mike Hinsvark, 29 year industry veteran and co-founder of Virtual Financial, “it sounds like the Virtual Financial story: Challenging the Status Quo with Disruptive Business Practice Innovation, Executing on a Vision and Making Things Happen by Acting on Current Technologies and Changes in a New Digital Marketplace, Showing Perseverance in the Face of Challenges, Building & Growing a Company of Durability & Substance, and Helping to Change the Landscape by Setting a New Standard.”

In the deeply rooted multi-trillion dollar life insurance and retirement planning industry, change comes infrequently and is often grudgingly slow. Steeped in tradition and a tendency to cling to the status quo, this mammoth industry is shrinking at an alarming rate. While carriers now offer the best products in history for the consumer, distribution is at an all-time low. The industry faces a crisis: how to grow distribution and replenish and rejuvenate an aging agent population in the face of rapid turnover and retirement.

Virtual Financial has cracked the code on this industry-wide dilemma with a decidedly fresh solution. As with most industry revolutions in the past 20 years, the solution involves leveraging technology. Virtual Financial’s proprietary high tech platform, cutting-edge tools and unique online model are true game-changers in the world of financial services distribution. “Working virtually, whether it be from a home office or while on vacation, is one of the new freedoms we can all experience. And from a business perspective, no longer do we need to maintain high overhead costs for office buildings and transportation. The Virtual Financial model becomes a ‘win-win’ for agents, industry and consumer alike,” says Chris Delfino, 26 year industry veteran and co-founder of Virtual Financial.

The online model is well suited to today’s ever busy consumers as well as agents of every experience level, and fulfills the industry’s quest for efficiency. Technology is integrated at all levels of the operation from marketing, recruitment and training, to online sales presentations and eApps, adding speed and sizzle to an industry often viewed as antiquated. These high tech elements bring once out-dated processes in alignment with the use of technology eagerly adopted by consumers and other industries during the past decade.

Virtual Financial, with its revolutionary assembly line process or “Tier System,” allows a new type of individual to enter the lucrative financial services field on a full or part time basis. While highly lucrative, the industry can be daunting for new agents who often face a tedious learning curve. By dividing tasks into marketing and management functions, then delegating the sales process to experienced financial consultants, the new agent’s role is simplified. He or she can rapidly become a licensed “Virtual Internet Marketer” and focus on simply driving Internet traffic. Using a revolutionary online marketing system and automated follow up tools, this fast track allows for a faster start up and a shorter learning curve, and opens the door to many who would otherwise be left behind. Additionally the model facilitates rapid nationwide expansion and market reach with minimal costs, in place of the high overhead, slow growth, brick and mortar approach.

Virtual Financial celebrated its first year success and launched 2015 with an all-star cast of industry leaders in its revolutionary 3D online Virtual Convention Center. Attendees and speakers at this premier event included cutting edge technology companies, renowned authors, marketing mavericks and industry legends.

Speakers and contributors at Virtual Financial’s Virtual Conventions have included Tim Wallace CEO iPipeline, Lisa Farrell CMO 6connex, Patrick Kelly author “The Retirement Miracle,” Rick Rood CEO The Contact System, Ryan Tenbrink CEO SalesTeamSites, and Steve Johnson IULAgent Software. Product provider companies represented included industry giants Transamerica, Nationwide and VOYA (formerly ING). Notable speakers also Included Don Hinsvark Captain US Navy Seal Retired and Joe Dipalo (CEO WFG), with the keynote address delivered by Virtual Financial’s own legendary distribution builder Rich Thawley (Transamerica/WFG).

While the traditional industry has concentrated its efforts on the wealthy, Virtual Financial is focused on the middle class, who need financial guidance the most. Most experts agree America faces an impending retirement crisis. At a time when pension plans and retirement funds are either non-existent or not delivering as promised, many Americans do not have enough time left or money to invest to build a sufficient nest egg, and will need to either continue to work through their retirement years or start a small business in order to survive, let alone enjoy a retirement. Virtual Financial offers the products, solutions, delivery system, and the business opportunity, to help millions of Americans get back on track and retire with dignity.


Virtual Financial is a financial services marketing company that is associated with World Financial Group, Inc. (WFG) a Transamerica company. WFG is a financial services marketing company whose affiliates offer a broad array of financial products and services. Insurance products offered through World Financial Group Insurance Agency, Inc.(WFGIA), World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., World Financial Group Insurance Agency of Wyoming, Inc., World Financial Insurance Agency, Inc. and/or WFG Insurance Agency of Puerto Rico, Inc. WFG and WFGIA are affiliated companies. Virtual Financial Group Headquarters: 8030 La Mesa Blvd Suite 492 La Mesa, CA 91942 Phone Virtual.Financial WFG and WFGIA Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097-1517. Phone: 770.453.9300.

Media contact:
Mike Hinsvark

Want to know more, read our Agent Recruiting PDF – Virtual Financial Recruitment Brochure

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