Lifetime Protection
Ensure long-term security for you and your loved ones with guaranteed coverage throughout life.
Tax-Free Payouts
Your beneficiaries receive the full benefit amount without any deductions or taxes.
Quick Claim Support
Fast and hassle-free claim processing to ease your family’s stress during difficult times.
Lifetime Protection
Ensure long-term security for you and your loved ones with guaranteed coverage throughout life.
Tax-Free Payouts
Your beneficiaries receive the full benefit amount without any deductions or taxes.
Quick Claim Support
Fast and hassle-free claim processing to ease your family’s stress during difficult times.
Insure Family Safety Quality Products
Hi, we are an independent life insurance broker committed to helping families like yours find the protection they deserve.
Unlike agents tied to a single company, I work with multiple trusted carriers — which means I can shop around to find you the best rates and coverage that fit your unique situation.
With years of experience in the industry, I take a personal, honest approach. Your family’s financial security isn’t just business to me — it’s personal. I’ll take the time to understand your needs, answer your questions, and guide you every step of the way.
Your peace of mind is my priority.
Types of Insurance & Other Services
Final Expense
Ease the financial burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
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Whole Life
Secure your family's future with our Whole Life Insurance, providing lifelong protection and a cash value component for added financial security.
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Index Universal Life
Enjoy flexible premiums and coverage with our Universal Life Insurance, offering long-term protection and potential cash value growth.
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Mortgage Protection
This plan pays off your full mortgage if you pass away and keeps the same coverage amount until your mortgage is fully paid.
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Income Protection
Income Protection (15–30 Year Term) replaces lost income if you or your spouse pass away, helping cover bills and expenses. You choose the amount and duration (5–30 years), ensuring your family’s financial stability and peace of mind.
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College Education Protection
This program ensures your children’s education is covered if you pass away, giving them the opportunity to attend college or trade school without financial worries.
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Debt Protection
This plan pays off your debts if you pass away, ensuring your loved ones aren’t left with any financial burden.
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Child Rider
This rider adds child coverage to your plan for just $15 a month, covering all children aged 16 days to 17 years until they turn 35. If any child passes away, you’ll receive $5,000–$25,000 per child.
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Free Insurance Riders
Stay financially protected if you can’t work due to illness or injury. Our Disability Insurance keeps your income secure when you need it most.
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Optional Paying Riders
Optional riders can be added to your policy for a small extra fee. Guaranteed Insurability Rider (GIR) lets you increase coverage later without medical exams (ages 0–37), while Waiver of Premium (WMD/WSP) waives costs or premiums if you become totally disabled (ages 0–55).
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Immigration Services
Simplify your move toward a better future. Our expert immigration services guide you through every step — from documentation to settlement — with honesty and care.
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Network Marketing
Unlock your earning potential with our professional network marketing guidance. Learn proven systems for growth, leadership, and long-term financial independence.
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Internet Marketing
Grow your business online with smart strategies that deliver results. From SEO to social media, we help you attract more customers and build your digital presence.
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Frequently Asked Questions
Life insurance is a type of insurance policy that provides financial coverage to the beneficiaries of the policyholder in the event of their death. The main purpose of life insurance is to provide
Q1. Why should I work with C&Z instead of buying directly from one company?
Because we represent multiple top-rated carriers, we can compare options and find the perfect policy for your goals — saving you time and money
Q2. Do I need a medical exam to qualify?
Not always. Many of our Final Expense and Simplified Issue plans only require basic health questions — no medical exam needed.
Q3. Can I change my plan later?
Yes. Through Convertible Term Insurance and other flexible policies, you can upgrade or adjust coverage as your life changes.
Q4. How soon does coverage begin?
Most plans become active immediately after approval and first payment, giving you instant peace of mind.
Q5. Does C&Z provide guidance for immigration services too?
Absolutely. We offer immigration support and consultation alongside our insurance solutions, helping you and your family build a secure future.
Get Reliable Insurance For any Purpose.
What Our Clients Say About Us
At C&Z Multi-Solution Services, every policy we provide represents more than just insurance - it’s a promise of protection, care, and peace of mind. We’re proud to have earned the trust of families who value honesty, personal guidance, and dependable service.
Frandy Edmond
I am extremely satisfied with the life insurance service provided. The process was seamless and Herlin was very professional, guiding me through every step with patience and clarity. Knowing that my family is protected gives me peace of mind. I highly recommend this service to anyone looking for reliable and comprehensive life insurance coverage.
Dieunite Limage
Applying for life insurance felt overwhelming at first, but C&Z Multi-Solution Services, made it easy. Everything was transparent, and I had guidance every step of the way. I highly recommend them to anyone considering coverage.
John Timothee
The agents were incredibly patient and took the time to explain all my options. I never felt pressured, just supported. I now have a policy that fits my budget and protects my loved ones.
