Benefits guidance with clarity and care.
Benefits strategy for employers.
Coverage guidance for individuals.
Z Insurance Brokerage helps employer groups build competitive benefits packages, and helps individuals and families navigate health, Medicare, life, disability, and long-term care coverage.
Health | Medicare | Life | Disability | LTC | Group Benefits
⬜ OWNER PROFESSIONAL PORTRAIT
[OWNER PROFESSIONAL PORTRAIT — ADD IMAGE HERE]
Where would you like to start?
🏢
I’m an employer
Explore group health, dental, vision, life, and disability benefits for your team. I work with employers of varying sizes to design and manage competitive benefits packages.
👤
I need personal coverage
Get guidance on health insurance, Medicare, life insurance, disability coverage, and long-term care. I help individuals and families understand their options and make confident decisions.
◆
Clear Explanations
◆
Personal Guidance
◆
Multiple Coverage Specialties
◆
Support Throughout the Process
Coverage areas
Z Insurance Brokerage works across six coverage areas. Select a category to learn more.
🏢
Group Benefits — For Employers
Group health, dental, vision, life, and disability benefits for organizations looking to attract and retain a strong team.
🏥
Health Insurance
Individual and family health coverage options that may fit your situation and budget.
📋
Medicare
Help understanding Medicare options, enrollment timelines, and plan differences.
🛡️
Life Insurance
Life insurance options that may help protect your family and support your financial plans.
💼
Disability Insurance
Income protection options if illness or injury affects your ability to work.
🏡
Long-Term Care
Options that may help cover extended care costs and support planning for the future.
How it works
01
Tell us what you need
Complete a short starting form so we can understand what type of coverage you are looking for.
02
Review your options
Receive clear guidance and practical next steps based on your situation.
03
Move forward confidently
Choose your coverage and complete the appropriate application or enrollment process.
[PROFESSIONAL PORTRAIT]
Meet your broker
Tonya Zlock · Founder
Tonya Zlock entered the insurance industry in 2015 and has operated Z Insurance Brokerage as her full-time independent practice since 2018. She works without carrier affiliations — which means every recommendation is shaped by what is right for the client, not a sales relationship. She is known for the time she takes and for remaining available to clients long after enrollment is complete.
Prefer to browse plans online?
Certain selected products — including travel, dental, and vision plans — can be explored directly through external carrier websites.
Common questions
Where should I begin?
Start by selecting the type of coverage you are interested in on our Start My Quote page. Employers can go directly to the Group Benefits page. If you are not sure, use the General Question option.
Which types of insurance do you help with?
Z Insurance Brokerage works across health insurance, Medicare, life insurance, disability insurance, long-term care, and group benefits for employers. Visit our Coverage page for more detail.
Do you help employers with group benefits?
Yes. Group benefits is a primary focus of Z Insurance Brokerage. We work with employers of varying sizes to explore group health, dental, vision, life, and disability options. Visit the Group Benefits page to learn more.
Can I apply for certain plans online?
Yes. Selected travel, dental, and vision plans can be explored through external carrier websites. Visit our Shop Plans Online page. For health, Medicare, life, disability, LTC, and group benefits, we recommend starting with a personal inquiry.
Ready to get started?
Tell us what you are looking for and we will help you understand your options and find the right starting point.