What We Offer

Choose Your
Coverage Path

Select the coverage area that fits your situation and take a short educational quiz to identify the options and questions that may matter most to you.

Life Insurance
Identify the family, income, mortgage, final-expense, and legacy needs your coverage may need to address.
Take the Life Insurance Quiz
Annuities
Explore retirement income, market-loss protection, liquidity, and lifetime-income considerations.
Take the Retirement Quiz
Health Insurance
Identify important cost, provider, family, supplemental coverage, and coverage-transition considerations.
Take the Health Coverage Quiz
Medicare
Turning 65 or already enrolled? Identify the enrollment, provider, prescription, and coverage questions to explore.
Take the Medicare Quiz
Independent Agent — 20+ Carriers

Protection. Retirement.
Health Coverage.
All In One Place.

Helping individuals, families, and business owners find the right insurance strategies with personalized guidance and access to multiple carriers.

Explore Your Options Get a Free Quote
20+
Carrier Partners
500+
Families Protected
4
Coverage Types
Free
No Cost to You
🛡️ Life Insurance
📈 Annuities
🏢 Health Insurance
⚕️ Medicare
Licensed Independent Agent
Same-Day Quotes
No Hidden Fees — Ever
Personalized Service
Ongoing Support
The Difference

Why Work With an
Independent Agent?

Not all insurance advisors are equal. An independent agent works for you — not an insurance company.

Access to Multiple Carriers
We shop 20+ top-rated insurance carriers so you get the best coverage at the lowest price — every time.
Personalized Recommendations
No cookie-cutter plans. We analyze your unique situation and find coverage that genuinely fits your life and budget.
Solutions Tailored to Your Needs
Life insurance, annuities, health insurance, Medicare — we cover every stage of life under one roof.
Ongoing Support & Guidance
We review your coverage annually as your life changes — marriage, new home, kids, retirement — your protection evolves with you.
Feature
✓ ZacSmithIns
Captive Agent
Carrier options
✓ 20+ carriers
1 carrier only
Unbiased advice
✓ Always
Limited
Price shopping
✓ Full market
Fixed pricing
Multiple product lines
✓ Life, annuities, health, Medicare
One specialty
Cost to work with
✓ Free always
Free
Annual policy reviews
✓ Included
Rarely offered
How It Works

Simple Process.
Personalized Solutions.

1
Choose Your Coverage
Select the service that fits your current situation — life insurance, annuities, health insurance, or Medicare.
2
Review Your Options
Zac shops 20+ top-rated carriers and presents clear, unbiased recommendations tailored to your needs and budget.
3
Protect What Matters
Get covered quickly with ongoing annual reviews ensuring your protection grows with your life — for the long haul.
Schedule a Free Consultation
Take the First Step

Ready to Explore
Your Options?

Whether you're protecting your family, planning retirement, or reviewing health coverage, we're here to help — at no cost to you.

Schedule a Consultation Get a Free Quote
Independent. Licensed. Always free. No commitment required.