Randy Zgabay MBA, CLTC, LUTCF at Z Financial Insurance & Investments LLC

12/16/2024

Whether holiday shopping or baking cookies, building snowmen or sipping hot cocoa, the holidays are always warmer when spent with the ones you love. This year, take a moment to reflect, and then protect, all that you hold dear. When you're ready, reach out and I can help.

12/16/2024

Both CDs and fixed deferred annuities are considered low-risk investments, but if your goals are more long-term, an annuity may be your better option. From tax benefits to return on interest, make sure you're saving the right way for the goals you want to achieve.

Read the pros and cons of fixed deferred annuities and CDs. Compare taxation and rates of CDs vs fixed annuities, and decide which is best for you.

12/16/2024

From canceled flights to broken toys, we can all agree the holiday season would be less stressful if it came with guarantees. That's why when it comes to protecting the things that matter most—like your family, future, or financial well-being—guarantees matter. Learn how our guarantee-backed solution can make your family more secure this season, and all the seasons to come.

09/24/2023

Life insurance isn't just important for protecting your income, but also the economic value you bring to the family from housework and care for loved ones. Let’s talk to make sure you have enough coverage.

09/23/2023

Thinking about going back to school? You're not alone. About 38% of undergraduates are adults over 25. If you're one of the 38%, learn how life insurance can help provide financial security while you pursue your dreams.

There is plenty to consider before deciding to go back to school. Discover with New York Life how to determine if going back to school is worth it for you.

09/22/2023

If you’re a woman who makes the same or more than her partner, it’s just as important for you to protect your income too. Life insurance can secure the income your family depends on and improve your own financial stability. Not sure how much you need; let’s talk! https://nyl.co/3Lzfn09

09/21/2023

Let me know your answer in the comments below.

09/20/2023

If you're a woman caring for children or other loved ones, ask yourself: did you answer “yes” to any of the below questions? If you did, you probably need life insurance. Talk to me today to make sure you have enough coverage.

09/20/2023

Most people don’t think about their Social Security benefits until later in life. Experienced industry professionals Jeff Quigley and Alyson Dorosky explain why married couples need to plan ahead and be prepared for what happens to their benefits when a spouse passes away.

Learn how life insurance can provide financial security and help replace a spouse's Social Security benefits in the event of their passing.

09/18/2023

Do you have a dual income household? If so, be sure to see why experienced industry professionals Sophia Duffy and Steve Parrish maintain that life insurance can be an effective way to protect your loved ones—and the assets—that will make future generations more secure.

Learn how women can build financial security for loved ones through ownership of life insurance, both while working and in retirement.

09/17/2023

Will you and your spouse be relying on the Social Security payments you will be getting in retirement? If so, be sure to see why experienced industry professionals Jeff Quigley and Alyson Dorosky recommend using life insurance to help replace that income when one of you passes away.

Learn how life insurance can provide financial security and help replace a spouse's Social Security benefits in the event of their passing.