A Better Life Starts Here

All any of us wants is to take good care of our families - provide steady income to put food on the table in sickness and in health, send our kids to college and play well beyond our first year of retirement.

At Zen Insurance, we know that life insurance is more than a check to cover funeral costs - life insurance can help you achieve your goal to build generational wealth. With plans to fit every budget and health condition (even critical conditions - like Diabetes, Lupus, HIV and cancer), we save money and improve lives daily. Begin a better life now.

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Physical Health?


Meet Your Insurance Agent

Mercedes Watkins is an award-winning insurance broker with licenses in many states. Mercedes protects her clients' best interests using life insurance and annuities. Mercedes uses her MBA in Finance to consult and provide informational lectures. Mercedes was introduced to the power of insurance in her studies and over a decade of  business dealings with Fortune 500 companies. Mercedes believes that "life is a gift" and "you miss 100% of the shots you don't take".  Ready for a better life? Start your quote now.

“ZEN Insurance makes it very easy to shop for life insurance. Mercedes was very helpful in guiding us through the process. Highly recommended for life insurance and 401K rollovers.


Life Insurance

Life insurance is a great way to protect those you care about most

Group Benefits

Easy employee benefits solutions to comply with complex regulations

Chronic Care Planning

Financial planning for those affected by chronic conditions, like HIV or cancer

401k and Annuities

Retirement solutions to ensure you don't run out of money in retirement

HIV? Cancer? Lupus? Diabetes? No problem.

Living with a chronic condition like HIV, cancer, Lupus, or Diabetes Type I or II, makes having a solid financial plan a top priority and necessity. We can help you build a plan and provide you with peace of mind.

"There are worse things in life than death"

But nothing is worse than not having life insurance, disability insurance or the stable income of a retirement annuity when you need it. No matter the type of policy needed, ZEN Insurance specializes in creating the best coverage plans and financial tools for the needs of every unique client.

Dependent Care

Caring for someone with special needs requires financial planning for the future.

Positive and Chronic Care

Live a full life after the diagnosis of chronic conditions by planning with ZEN Insurance.


Although the process was a little longer, I was really happy with the end results. A very professional and thorough process. I highly recommend ZEN Insurance for life insurance needs.

I'm not very good at writing these things, but ZEN Insurance was very helpful in finding me the right insurance for my needs. The whole process went smooth with great communication.

Excellent life insurance andcustomer service. I liked that I would get regular updates on how the approval process was going.

Very happy with the ZEN Insurance experience. Mercedes helped me and was knowledgeable. She and her team took the time to make sure my needs were addressed and helped me save a ton of money !

Mercedes is knowledgeable and articulate, and did not engage in sales pressure tactics. She's successful and it shows. We’ve worked with ZEN Insurance twice, and had good experiences both times.

Responsive, well-informed and provided enough information to make an informed decision, even with my current health issues.

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