Ramos Financial & Insurance Solutions

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With different types of life insurance we offer, our commitment is to provide you and your family with  " permanent solutions for your permanent needs and temporary solutions for your temporary needs " 

Here are the different life insurance policies we have available to offer, namely :

* Term Life

An insurance plan that covers the insured for a certain period of time, not for his or her entire life. The most inexpensive plan, initially.

* Universal Life Insurance

An insurance plan with periodically-adjusted returns tied to short-term interest rates and/or variable investments.

* Whole Life Insurance

An insurance plan with premiums payable throughout a person's life.
This is a participating policy, earning dividends to buy additional insurance, thereby increasing insurance coverage.
* 15-Pay Life /  20-Pay Life
These are  " limited-premium-payment " plans where you pay more premiums but only for a limited number of years and the insurance protections carries on for your lifetime. An excellent deal if you can afford the premiums.
* Med - Free Life Insurance
An insurance plan for people between the ages of 56 to 80 issued with no medical underwriting if applicant satisfies only five health questions.

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At Ramos Financial; 
we put your family first.
Whether you are newlyweds,
young parents, or have just
purchased a new home,
your financial future is important.

We can help you prepare
for that future with a wide
selection of different life
insurance plans. Let us help
take the confusion out of
insurance and give you
the peace of mind you want.