Las Vegas, Nevada
Medicare, Life Insurance & Retirement Income Planning in Las Vegas
Jaflo Insurance Services helps Las Vegas families choose coverage they actually understand — Medicare plans that keep their doctors, life insurance that protects the people at home, and annuities that turn savings into a paycheck for life.
Free consultation and free quote. We are paid by the carriers, not by you.
Four ways we protect Las Vegas households
As an independent agency we are not tied to one carrier. We compare the companies competing for your business across Clark County and recommend the plan that fits your doctors, your budget and your timeline — then we stay available after enrollment when questions come up.
Medicare
Turning 65, retiring after 65 or unhappy with the plan you were switched into? We compare Medicare Advantage and Medicare Supplement options available in Clark County side by side.
- Medicare Advantage (Part C) plan comparisons
- Medicare Supplement (Medigap) and Part D reviews
- Doctor, hospital and prescription checks before you enroll
Life Insurance
Term, whole life and indexed universal life coverage sized to the mortgage, the kids and the income your family would lose — with honest answers about what you can skip.
- Term life for mortgage and income replacement
- Whole life for final expenses and legacy
- Indexed universal life for tax-advantaged cash value
Annuities
If running out of money is the fear, an annuity can convert part of your savings into predictable lifetime income without exposing it to the next market drop.
- Fixed annuities with guaranteed declared rates
- Indexed annuities with principal protection
- Lifetime income riders and rollover reviews
Financial Planning
One conversation that ties it together: retirement income, healthcare costs, taxes on withdrawals and what your family inherits — mapped year by year.
- Retirement income and Social Security timing
- Healthcare cost projections for Nevada retirees
- Beneficiary and legacy coordination
Not sure which coverage you actually need?
Start with a free quote. Twenty minutes is usually enough to know whether your current plan is doing its job.
A licensed local agent, not a call center
Most people who call us have already been buried in mailers and robocalls. Jaime Flores is fully bilingual in English and Spanish, licensed in NV, TX, AZ, CA, UT and CO, and he takes the meeting himself — starting with your goals and concerns rather than a product pitch, and never charging a fee for the advice.
Fully bilingual, licensed in six states
English and Spanish at every step, with licensing in Nevada, Texas, Arizona, California, Utah and Colorado.
For accounting professionals
Jaime integrates financial services into accounting firms' existing practices, acting as an extension of the firm to solve advanced planning needs for their clients.
For foreign nationals
If you hold assets in the United States, we help protect that wealth, preserve your legacy and build a long-term strategy around it.
Goals first, solutions second
The first meeting is about what you want — retirement, legacy, tax-free income, wealth protection. Personalized recommendations come in a follow-up meeting.
Built around how healthcare and retirement actually work in Las Vegas
Clark County has its own network math. The hospital system you prefer, whether your cardiologist takes a given Advantage plan, and how snowbird travel affects coverage all change which plan is genuinely the best value — and none of that shows up on a television commercial.
Las Vegas is also a service-economy city. Many of our clients spent decades in hospitality, construction or gaming without a pension, and they retire holding a 401(k) and a lot of uncertainty. That is exactly the gap annuities and retirement income planning are built to close.
- Medicare Advantage and Medigap options for Clark County ZIP codes
- Doctor and hospital network checks before enrollment
- Part D drug list reviews so prescriptions stay covered
- 401(k) and IRA rollover conversations for retiring workers
- Coverage for self-employed and 1099 valley workers
- Spanish-language appointments across the valley
How the free consultation works
- 1
Tell us what you have now
A short call about your doctors, prescriptions, income and who depends on you. Nothing is required in writing and there is no cost.
- 2
We compare real options
You see the actual plans and quotes available to you, side by side, with the trade-offs named out loud — including when your current coverage is already the right one.
- 3
Enroll and stay supported
We handle the paperwork, confirm effective dates, and review your coverage every year so it keeps matching your life.
Questions Las Vegas clients ask first
How much does it cost to work with a Las Vegas insurance agent?+
Nothing. Consultations, plan comparisons and enrollment help are free to you. Insurance carriers pay agents a set commission that is already built into the premium, so your rate is the same whether you enroll with us or on your own.
Do you only handle Medicare?+
No. Medicare is a large part of our practice, but we also place term, whole and indexed universal life insurance, fixed and indexed annuities, and we build retirement income plans for people who are still working.
Can we meet in Spanish?+
Yes. Every part of the process — the consultation, the application, the annual review and help understanding mail from a carrier — is available in Spanish.
I already have coverage. Is a review worth it?+
Usually, yes. Plan benefits, drug formularies and premiums change every year, and life insurance you bought a decade ago may be priced above what you can qualify for now. If your current plan is still the best fit, we will tell you that plainly.
Do you serve areas outside Las Vegas?+
We focus on the Las Vegas valley — including Summerlin, Henderson, North Las Vegas, Spring Valley and Enterprise — and we can serve clients elsewhere in Nevada by phone or video.
Get a straight answer from a licensed Las Vegas agent
Call (725) 275-3607 or request your free quote and we will compare your options this week — in English or Spanish, with no obligation.