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.
