Personal Insurance

Life & Health

Be prepared for the unexpected.

Life insurance ensures a financial safety net for your family in case of unexpected loss, helping to cover expenses and maintain their lifestyle. Health insurance, on the other hand, safeguards you from the often crippling costs of medical bills. By mitigating these financial burdens, life and health insurance allow you to focus on what truly matters—your health and the wellbeing of those you love.
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Individual & Family

Life, LTD & LTC

Individual & Family Medical Plans

For Washington residents, we provide short- and long-term plans for medical, dental, and vision.

While some people get health insurance through their employer-provided group insurance plan, there are certain circumstances where QHP individual health insurance is most appropriate. Whether you are between jobs, employed by a company that doesn’t offer a health insurance plan, or self-employed, you will want to maintain health coverage if you become ill or need a medical procedure.

We do not offer every plan in every service area. For more information on the options offered in your area, please contact Medicare.gov or 1-800-medicare.
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McDonald Zaring Insurance site is not an official QHP ACA Exchange site for healthcare.gov or wahealthplanfinder.org. For a complete list of available Medicare Advantage plans please contact 1-800-MEDICARE. *TTY users should call 1-877-486-2048, 24 hours a day/7 days a week or consult www.medicare.gov.

Life Insurance

Ensure lifelong security for you and your loved ones with our comprehensive life insurance policies. We go beyond basic life insurance to protect your family's wellbeing at every stage of life. From securing your child's financial future with juvenile life insurance to providing a safety net with long-term care or disability insurance, we offer a range of solutions, all to protect your family's health and future.

Life Insurance Options

Juvenile Life

Juvenile life insurance provides a death benefit for a child if the unthinkable happens, while also building cash value over time that can be accessed later for education or other needs. This long-term planning tool can offer peace of mind and financial security for both parent and child.

Whole Life

Whole life insurance offers guaranteed coverage for your entire lifetime. It also builds cash value over time, which you can access through loans or withdrawals, giving you with a source of extra funds in addition to the death benefit for your loved ones.

Term Life

Term life insurance provides a death benefit for a chosen period, typically 10 to 30 years. This affordable option offers peace of mind for your loved ones during your prime earning years, but coverage ends once the term expires.

Universal Life

Universal life insurance combines the guaranteed death benefit of term life with the cash value growth potential of whole life. It offers flexibility to adjust your premiums and coverage amounts within limits, making it a customizable option for changing needs.

Long Term Care

Long-term care insurance helps cover the costs of assistance with daily living activities in the event of illness or disability. This financial safeguard can ease the burden on your family by paying for nursing home care, in-home assistance, or adult daycare services.

Long Term Disability

Long-term disability replaces a portion of your income if you're unable to work due to a serious illness or injury. This financial safety net protects your standard of living and helps you manage expenses while you focus on recovery.

Tell us what you need. We’ll take it from there.

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