Protect What Matters Most

Life Insurance Solutions

Ensure financial security for your family in event of the unexpected

Family in home
Family in home


Client Story: Mark (Las Vegas, NV)

Mark is a dedicated small business owner and a loving father of two. Mark’s life revolved around his family and his local bakery. But deep down, he harbored a concern – the future of his family if anything happened to him.

One afternoon, while watching his kids play, Mark realized the uncertainty wasn’t just about him; it was about ensuring his family’s well-being, no matter what. That’s when he decided to explore life insurance.

Mark discovered a range of options with us, tailored specifically for entrepreneurs like him. He chose a plan that not only fit his budget but also provided the assurance that his family and his business legacy would be secure.

Now, Mark enjoys his days at the bakery and evenings with his family, free from the worry of ‘what-ifs’. He knows he’s taken a vital step in protecting their future.

Life insurance is about securing peace of mind

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Securing Your Legacy

Life Insurance That Fits Your Life

At Fintech Umbrella, we offer life insurance solutions designed to meet the diverse needs of individuals and families. Whether you're looking to protect your family's future, prepare for retirement, or ensure your legacy, our range of life insurance options provides the right coverage for your life's journey.

We're here to help you navigate through the choices to find a policy that balances coverage with affordability. Discover how our life insurance can bring you the assurance that your loved ones are well protected.

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Showcasing Our Life Insurance Options

Choosing the right life insurance can be straightforward when you have clear options that fit different needs. We’ve broken down our offerings into simple categories, making it easy for you to find the right fit.

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Term Life Insurance

Ideal for those seeking straightforward, temporary coverage. It's simple: you're covered for the term you select, ensuring peace of mind during life's most crucial periods, like while raising a family or paying off a mortgage.

Whole Life Insurance

For those who appreciate consistency and long-term planning, whole life insurance offers a fixed premium with the added benefit of cash value accumulation, a component you can use as a financial resource.

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Family in home

Universal Life Insurance

If flexibility is what you're after, universal life insurance allows you to adjust your premiums and benefits over time. This adaptability is perfect for when life's changes come calling.

Indexed Universal Life Insurance (IUL)

This option ties your policy's cash value growth potential to a market index, offering a balance between growth opportunity and the security of life insurance.

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Variable Life Insurance

Take an active role in managing your policy's cash value by allocating it to a selection of investment options. It's suited for those comfortable with investment risks seeking potential for growth.

Variable Universal Life Insurance

Combine the flexibility of universal life insurance with the investment potential of variable life insurance, giving you the freedom to tailor your policy as your financial landscape evolves.

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Survivorship Life Insurance

Designed for couples, this policy pays out upon the second partner's passing, an efficient choice for estate planning and legacy building.

Final Expense Insurance

The Average US EoL Expense is $20,000

This policy eases the burden of end-of-life (EoL) expenses, ensuring your loved ones can focus on what truly matters during difficult times, without financial worry.

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Insurance Financial Questionnaire

Make life insurance easier to manage with our secure application. In only 10 to 25 minutes, you can conveniently provide your agent the details they need - completely protected and encrypted for total peace of mind.

Takes 10 to 25 minutes to complete

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Life Insurance Options In Summary

Type of Insurance Feature Benefits Drawbacks
Term Life Insurance Provides coverage for a specific period or term (usually 10, 20, or 30 years). Most affordable option with fixed payments; beneficial for temporary needs. No cash value accumulation; coverage ends if outlived the term without renewal at higher rate.
Whole Life Insurance Offers lifelong coverage with a guaranteed death benefit. Builds cash value at a guaranteed rate; fixed premiums. More expensive; less flexible than other permanent life options.
Universal Life Insurance Flexible premiums and death benefits. Adjustable premiums and coverage; potential cash value growth. Greater complexity and potential higher costs if not managed well.
Indexed Universal Life Insurance Cash value tied to a stock market index. Potential for higher returns; offers death benefit and cash value. Returns subject to caps and floors; more complex than standard policies.
Variable Life Insurance Investment options for cash value. Potential for significant growth if investments do well; includes death benefit. Subject to market risks; can lose value; requires active management.
Variable Universal Life Insurance Investment choices and flexible premiums. Customizable policy with investment control; high potential for cash value. High complexity; investment risks; potentially high fees and costs.
Survivorship Life Insurance Insures two lives, pays out after the second's death. Estate planning benefits; more affordable than two individual policies. No payout after first death; surviving spouse may need separate coverage.
Final Expense Insurance Covers funeral expenses and end-of-life costs. Easier to qualify for; peace of mind for specific expenses. Limited coverage amount; not ideal for large death benefit.

Top Reasons For Coverage

Life insurance is a vital financial safeguard designed to alleviate the burden of burial costs and final expenses for families. It serves as an effective tool for transferring wealth to beneficiaries, ensuring assets are passed on securely. Additionally, it provides income replacement, offering financial stability to families in the event of losing a primary breadwinner.

0 %
Of Americans Would Face Financial Hardship Within a Month of Wage Earner's Death
0 %
Of Americans Don't Feel Knowledgable About Life Insurance
Americans Are Uninsured or Underinsured

Carriers That We Work Directly With

Our Trusted Insurance Partners

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Find Out How Life Insurance Makes Sense For You

Our licensed agents are experts in helping you determine the best solution for your situation.

Call Us

702 622 4111

Send Us An Email

[email protected]

Our Office

4840 W. University Ave. Ste A1
Las Vegas, NV 89103

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