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Ramos Radio

Manuel Ramos

Manuel gives you comprehensive, educational advice that is both useful and entertaining.


Insurance Coverage That Fits Your Life

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Manuel Ramos

Index UL Insurance

Universal life insurance provides permanent life insurance protection and access to tax-deferred cash values. We offer two types of universal life insurance, fixed and flexible.

Manuel Ramos

Term Insurance

Term life insurance product that offers life insurance protection for a specific period of time (or term). It's available in 10-, 15-, 20- or 30-year terms.

Manuel Ramos

Living Benefits

Can provide benefits should a qualifying terminal, chronic or critical illness or critical injury occur1, or if your desire is to have an income that you cannot outlive.

Manuel Ramos


Guarantee® UL is the universal life policy guaranteed to be there for your beneficiaries. Guarantees are subject to the claims-paying ability of the appropriate issuing company.

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Long Term - Life Insurance

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Manuel Ramos

Other Insurance

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Seminars and Other Events

Get the knowledge you need to plan your financial future. Join thousands of people who have attended our seminars.

Posted on dec 5,2016

Face to Face


Posted on July 5,2017

Are Soaring Health-Care Costs Hurting the
U.S. Economy?

About 8% of U.S. household spending went toward health care in 2015, up from 5.8% in 2007. Even though the growth of nationwide health-care spending has slowed, the cost burden is falling more heavily on consumers

Posted on jan 5,2017

"I have only good things to say, service was very good and professional. I will refer this service to everyone I know. Keep up the good work. In this economy great and professional service is hard to find."

Jose Rodriguez


"FA is highly committed to his profession, this community and there faith. FA has an outstanding work ethic and moral standards are of the highest caliber. I would recommend FA to anyone without hesitation or reservation."

Jassica Cruz


"Lilian took the time to analyze our current insurance policies and was able to make some excellent recommendations. Our insurance costs are now less and we have much better coverage. I have known Lilian for many years and she is a woman with great integrity, work ethic, and one of the nicest persons I know. Lilian also is committed to making this world a better place through her work with Womans Club and her Church. I highly recommend Lilian!"

Yvonne Mendoza


"I don't do this enough. That is, sit down and write an e-mail praising someone's outstanding job performance. This is the case with Howard. He is responsive, courteous, patient and he always puts the customer first. When I ask Howard to do something, I can walk away knowing that it will get done promptly and accurately. He is the "face" of FA to us"

Patrick Caraballo.


"Thank you for all your patient assistance during the state of confusion and helping us bundle everything together for Life Insurance. It was a very time consuming task and you helped put us at ease that day. We appreciate also that you used your experience and expertise to help save money on those policies. As I mentioned, I had found your office searching for a "5 Star" insurance agency to aid in these insurance matters for my Dad. You more than measured up to the "5 Star" rating. I will visit the site from Google again where I located you and make sure to add our complete satisfaction to make sure you keep your "5 Star" rating up to the top. I will highly recommend you to others for their insurance needs. Have a blessed day!"

Oscar G.


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