Protect What Matters Most —
Your Family's Future
Secure peace of mind with personalized life insurance coverage designed for your family's unique needs.
Why Choose Me?
Hi, I'm Herlin Celicourt, an independent life insurance broker committed to helping families like yours find the protection they deserve.
Unlike agents tied to a single company, I work with multiple trusted carriers — which means I can shop around to find you the best rates and coverage that fit your unique situation.
With years of experience in the industry, I take a personal, honest approach. Your family's financial security isn't just business to me — it's personal. I'll take the time to understand your needs, answer your questions, and guide you every step of the way.
Your peace of mind is my priority.
Types of Life Insurance I Offer
Every family is different. I'll help you find the right coverage for your unique situation.
Final Expense Insurance
Ease the burden on your family during difficult times with our Final Expense Insurance, covering funeral and other end-of-life expenses.
Whole Life Insurance
Secure your family's future with our Whole Life Insurance, providing lifelong protection and a cash value component for added financial security.
Index Universal Life Insurance
Enjoy flexible premiums and coverage with our Universal Life Insurance, offering long-term protection and potential cash value growth.
Term Life Insurance
Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.
Mortgage Protection
(15-30 Year Term)
This plan pays off your full mortgage if you pass away and keeps the same coverage amount until your mortgage is fully paid.
Income Protection
Income Protection (15–30 Year Term) replaces lost income if you or your spouse pass away, helping cover bills and expenses. You choose the amount and duration (5–30 years), ensuring your family’s financial stability and peace of mind.
College Education Protection
(15-30 Year Term)
This program ensures your children’s education is covered if you pass away, giving them the opportunity to attend college or trade school without financial worries.
Debt Protection
(15-30 Year Term)
This plan pays off your debts if you pass away, ensuring your loved ones aren’t left with any financial burden.
Child Rider
(0-17 Year Old Children)
This rider adds child coverage to your plan for just $15 a month, covering all children aged 16 days to 17 years until they turn 35. If any child passes away, you’ll receive $5,000–$25,000 per child.
Free Insurance Riders
Stay financially protected if you can’t work due to illness or injury. Our Disability Insurance keeps your income secure when you need it most.
Optional Paying Riders
Optional riders can be added to your policy for a small extra fee. Guaranteed Insurability Rider (GIR) lets you increase coverage later without medical exams (ages 0–37), while Waiver of Premium (WMD/WSP) waives costs or premiums if you become totally disabled (ages 0–55).
Testimonials
"I am extremely satisfied with the life insurance service provided. The process was seamless and Herlin was very professional, guiding me through every step with patience and clarity. Knowing that my family is protected gives me peace of mind. I highly recommend this service to anyone looking for reliable and comprehensive life insurance coverage."
John Timothee
"Applying for life insurance felt overwhelming at first, but C&Z Multi-Solution Services, made it easy. Everything was transparent, and I had guidance every step of the way. I highly recommend them to anyone considering coverage."
Dieunite Limage
"The agents were incredibly patient and took the time to explain all my options. I never felt pressured, just supported. I now have a policy that fits my budget and protects my loved ones."
Frandy Edmond
Frequently Asked Questions
Common Questions Answered for your convenience.
What types of events do you specialize in?
At C&Z Multi-Solution Services, we specialize in life events that matter most to you and your loved ones.
We provide life insurance solutions tailored for:
New Families – Protecting your spouse and children with affordable coverage that grows with your needs.
Homeowners – Ensuring your mortgage and debts are covered, so your family keeps their home no matter what.
Career Builders – Offering policies that safeguard your income and provide financial stability during life’s uncertainties.
Retirement & Legacy Planning – Helping you leave a financial legacy for your loved ones and secure peace of mind for the future.
Business Owners – Providing key person and business continuation coverage to protect what you’ve worked hard to build.
In short, we’re here for every stage of life—whether you’re starting a family, buying a home, planning for retirement, or protecting your business.
Do you offer customizable event packages?
Yes, at C&Z Multi-Solution Services we offer fully customizable life insurance solutions.
We understand that every client’s situation is unique, so instead of “one-size-fits-all” policies, we create coverage packages designed around your specific needs. Whether you’re protecting a young family, securing your home and mortgage, planning for retirement, or safeguarding your business, we tailor benefits, coverage amounts, and payment options to fit your lifestyle and financial goals.
What is your approach to managing vendors and
suppliers?
“At C&Z Multi-Solution Services, we manage vendors and suppliers through strong partnerships, clear communication, and strict quality standards to ensure reliable, seamless service for our clients.”
Why should I work with C&Z instead of buying directly from one company?
Because we represent multiple top-rated carriers, we can compare options and find the perfect policy for your goals — saving you time and money
Do I need a medical exam to qualify?
Not always. Many of our Final Expense and Simplified Issue plans only require basic health questions — no medical exam needed.
How soon does coverage begin?
Most plans become active immediately after approval and first payment, giving you instant peace of mind.