Licensed and Registered
Felix Garcia Ramos
Licensed Insurance Broker
NPN #18337040
About Me
I’m a licensed broker with nearly 10 years of experience helping families across the U.S. protect what matters most. I started in the corporate world representing just one company, but I quickly saw how limiting that was for clients. That’s why I became independent, to represent you, not the insurance companies.
My approach is simple: I take time to understand your full situation, compare options, and make sure you get coverage that truly fits, whether it’s a new plan or reviewing what you already have. I focus on both protection for your loved ones and benefits you can use while you’re alive, because life doesn’t wait for the unexpected.
I’m bilingual in English and Spanish, and my goal is to build real relationships, not just policies. My clients know they can count on me and my team to keep insurance simple, affordable, and personalized.
Life Insurance Programs
Mortgage Protection
Pays off your mortgage if you pass away.
Helps your family stay in the home without financial stress.
Can pay you money early if you get seriously sick or injured.
If you don’t use it, the Return of Premium option gives you your money back.
Equity Protection
Makes sure your family doesn’t lose the equity if you pass away.
Helps avoid having to sell the house during hard times.
Protects your home from becoming a financial burden.
Leaves your loved ones with a valuable asset, not a debt.
Index UniversaL lIFE (iul)
Builds cash you can use later, like for retirement.
Your money grows based on the stock market but without the risk.
Flexible payments & coverage options.
Pays out early if you get sick, not just when you pass away.
Whole Life
Stays active your whole life, guaranteed.
Builds cash you can borrow or use while you're alive.
Your price never goes up, no matter what.
Helps you pass on money to your family tax-free.
Final Expense
Pays for burial, cremation, or other end-of-life costs.
Easy to qualify, no big health checks.
Affordable monthly payments.
Gives your loved ones peace of mind when it matters most.
Annuities
You get a check every month, just like a paycheck.
Grows tax-deferred until you need it.
Choose how & when you get paid.
Keeps your money safe from market ups & downs.
