ZL Insurance & Financial Services

Find your Insurance & Financial Freedom with us today.

Q: What does “deductible,” “copay,” and “coinsurance” mean?

Deductible: The amount you pay out of pocket before your insurance starts covering costs. Copay: A fixed amount you pay for services (e.g., $30 for a doctor visit). Coinsurance: The percentage of costs you pay after meeting your deductible (e.g., 20% of a hospital bill).

Q: When can I enroll in or change my health insurance plan?

ACA Marketplace Open Enrollment is typically from November to mid-January . Medicare Open Enrollment runs from October 15 to December 7 each year. Special Enrollment Periods (SEPs) are available if you have a qualifying life event, such as job loss, marriage, or moving to a new state.

When you work with us at ZL Insurance & Financial, we help simplify the process of enrolling in your life and health insurance. With fast quotes and enrollment support whenever you need it.

We offer plans and coverage fit for everyone.

Health Insurance

Medicare Plans

Life Insurance

Disability Insurance

Long Term Care Insurance

Dental & Vision Plans

Group Health Insurance

Retirement Planning

Group Life Insurance

Providing you coverage for what matters most.

With ZL Insurance, you can have peace of mind knowing you're in good hands with our experienced team of professional agents.

ACA Health Insurance

Do you qualify for an ACA plan? The Affordable Care Act (ACA), is a U.S. law designed to provide affordable health insurance to more Americans. It expands Medicaid, offers financial assistance through the Health Insurance Marketplace, and protects individuals with pre-existing conditions from being denied coverage. See if you qualify!

Life Insurance

Life insurance provides financial protection to your beneficiaries in the event of your death through a benefit payment. It helps cover expenses such as funeral costs, debts, and provides financial security to your loved ones. Contact us today to see if a Index Universal Life, Whole Life, Term Life or an Annuity plan is right for you.

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We offer quick and easy health insurance quotes and enrollment support.

Compare life and health insurance plans and get the coverage you and your family need today.

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Frequently Asked Questions

Do you have further questions about health insurance? Contact us today or feel free to review some of these frequently asked questions.

What’s the difference between ACA Marketplace plans, Medicare, and Medicaid?

ACA Marketplace plans are private health insurance options available to individuals and families who don’t qualify for Medicare or Medicaid. Medicare is a federal program for people 65+ and certain younger individuals with disabilities, while Medicaid is a state and federal program for low-income individuals and families.

What does “deductible,” “copay,” and “coinsurance” mean?

Deductible: The amount you pay out of pocket before your insurance starts covering costs.
Copay: A fixed amount you pay for services (e.g., $30 for a doctor visit).
Coinsurance: The percentage of costs you pay after meeting your deductible (e.g., 20% of a hospital bill).

When can I enroll in or change my health insurance plan?

ACA Marketplace Open Enrollment is typically from November to mid-January.
Medicare Open Enrollment runs from October 15 to December 7 each year.
Special Enrollment Periods (SEPs) are available if you have a qualifying life event, such as job loss, marriage, or moving to a new state.

What types of Life Insurance plans do you offer?

At ZL Insurance, we can help you find the right type of life insurance plan for your situation. We currently offer Index Universal Life, Whole Life, Term Life and Annuities plans.