The Vinturella Group - Your Mortgage and Retirement Protection Center

We offer a wide variety of plans to meet every budget and coverage need. Our team of highly skilled mortgage life insurance specialists is ready to help you protect your home and family with a custom policy.

What is Mortgage Life Insurance?

Mortgage life insurance is life insurance that pays off your mortgage in the event of your death. It’s not just a piece of paper, though. It’s an investment in peace of mind. You can rest easy knowing that your family will never lose its home, even if the unthinkable should occur.

Why the Vinturella Group?

Because we, as independent agents, offer something no ordinary insurance company can: multiple insurance providers to choose from, a plan customized to your needs, and the most competitive mortgage life insurance rates in the industry. Other companies have to pigeonhole you into their limited set of overpriced insurance products. Our extensive provider network allows us to offer the best protection for your family at the most affordable rates.

What is Mortgage Protection Insurance?

For most homeowners, the mortgage is the single largest source of personal debt. Mortgage protection insurance is a specialized life insurance policy designed to pay off that debt in the event of your death.

Why is Mortgage Protection Insurance so important?

Imagine the worst case scenario. A fatal accident today would force your loved ones to immediately experience financial hardship. On top of your final expenses, the mortgage is due, but your family has no way to pay it without your income. They haven't even had enough time to grieve and now they have to deal with the impending tragedy of foreclosure.

Like most life insurance, mortgage protection insurance eases the financial burden of your loved ones. It is an affordable way of ensuring that your home is paid for no matter the circumstances. Cancer, stroke, heart attack, injury, death… your family will never be in jeopardy of losing its home as long as you put a custom mortgage protection insurance plan in place.

What is Term Life Insurance?

Death is the worst emotional loss a family can suffer. All too often, the financial hardship that follows can make that burden seem unbearable. Term life insurance pays your family a cash benefit in the event of your death.  And unlike many other term policies, should you survive the policy term, you can choose to have every dollar of paid premium refunded to you as a lump sum.

Why is Term Life Insurance so important?

Because your family depends on you. What would happen if you died tomorrow? Could they pay the bills? Could they afford the funeral expenses? Without your support, how would they get by?

It's not a pleasant subject, but death is often unexpected. Planning ahead is the only way to protect your family from hardship if the unmentionable should occur. More importantly, it's a way of showing your love and support during their most difficult transition.

What is Spouse Life Insurance?

Because your family depends on you, emotionally as well as financially, your death will leave grief and debt in its wake.

Why is Spouse Life Insurance so important?

Because your spouse depends on you, emotionally as well as financially. Your death will leave grief and debt in its wake. With funeral expenses and lost income, your spouse will have little time to cope before the bills start piling up.

Don’t let, "'Til death do us part," be the end of it. With a spouse life insurance policy, you can ensure that your spouse is taken care of through the difficult transition. Even if you can't be there personally, spouse life insurance allows you to show your love and devotion when your spouse needs it most.

Paying the mortgage can be nearly impossible when you're bedridden with an illness or injury. Mortgage disability insurance pays the bill for you if you're disabled and unable to draw income.

Why is Mortgage Disability Insurance so important?

Here's a sobering fact. According to the US Department of Housing and Urban Development, nearly half of all foreclosures are caused by disability. On top of that, according to the Social Security Administration, one in five people suffer long-term disability before the age of 65. If you put two and two together, it's pretty clear that disability is one of the most significant threats to your home.

Don't let yourself become a statistic. With a mortgage disability insurance plan in place, you can rest assured that your home is paid for regardless of your health. If illness or injury should occur, you can focus on recovery instead of worrying about how the bill gets paid.

With the future of Social Security in question and company pensions quickly becoming a thing of the past, retirement is no longer as certain as it once was. An annuity is a secure investment that can guarantee income for your retirement.

Why is an Annuity so important?

Retirement planning can be a bumpy road. Without the right investment vehicle, you may outlive your savings or suffer a lower quality of life to make ends meet. The government doesn’t make it easy, either. Taxes, Medicaid, estate planning, and a variety of other factors add to the uncertainty, putting your financial security in question.

Retirement is your opportunity to live your dreams. Don’t spend it on a modest income or, even worse, burdening your family financially. With an annuity, you can guarantee income for the rest of your life, so you can enjoy your golden years without worrying about the finances.

Annuity Services

• Guaranteed Income. Your annuity can be structured to pay out as a lump sum for a fixed period of years, or even for the rest of your life, giving you income that you can’t outlive.
• Competitive Rate of Return. You can choose an index (such as the Dow Jones) to determine your rate of return, so your money grows when the market is up, and remains constant when the market is down.
• Protection of Principal. Unlike IRAs and 401ks, your principal is never at risk - and it adjusts every year to include your gain from the previous year, so it is truly a win-win situation.  Market-driven rates of return, and safety of principal.  The best of both worlds. 
• Tax-Deferral. Contributions to your annuity are not taxed until you withdraw.
• Medicaid Qualification. Your annuity can be structured to shelter assets, allowing you to qualify for Medicaid more easily without sacrificing quality of life.
• Probate Avoidance. By naming a beneficiary, your annuity can bypass the lengthy and potentially expensive probate process.
• Liquidity. You can withdraw money from your annuity when you need it, subject to certain limitations.