Joel Ramon
Insurance Underwriter
"Striving to be the guardian angel of mortgages, I'm on a mission to protect homes and hearts from the unexpected twists and turns of life. With a touch of humor and a lot of heart, I'm dedicated to guiding clients through the maze of mortgage protection insurance, ensuring they can sleep soundly knowing their homes are safe from financial storms. Let's turn 'what ifs' into 'I've got this!' together."
HOW I CAN HELP YOU
MORTGAGE PROTECTION
Do you have a plan to pay your mortgage in the event of your death? Don't lose your family's most valuable asset due to poor planning.
LIFE INSURANCE
How much coverage is enough? Make sure your family is protected with enough coverage to provide for them when you are gone.
ANNUITIES
Are you concerned with market volatility? There is a little known secret to keep your money safe during market corrections.
A+ RATED CARRIERS I WORK WITH
As an independent underwriter, I'm able to shop around and find the best possible options for your family that will comfortably fit your budget.
STATE LICENSED & CERTIFIED
Fully equipped & trained to provide professional financial services in the residential states of:
ARKANSAS - COLORADO - TENNESSEE - SOUTH CAROLINA - MARYLAND - ALABAMA - WASHINGTON - MAINE - TEXAS - OHIO - FLORIDA
How much would it be to cover my mortgage?
It all depends on your age and health, book a call with me to find the most affordable options with the state.
How does mortgage protection work?
Basically what mortgage protection is, is that if you ever got any critical, chronic , terminal illness
or Permanent disability, such as a heart attack, stroke, cancer or god forbid you were to pass away it would completely pay off the
mortgage or bare minimum continue to make the payments for you. Mortgage protection protects you if you
ever aren’t able to produce income due to your health, for example if you get sick or pass away,
it would give you a lump sum tax free check from the insurance carrier to pay off the mortgage loan n to make sure you keep your house.
Can i get mortgage protection through my lender?
Unfortunately, you can not. Simply because it is a conflict of interest. If god forbid something were to happen to your health do you think the bank would pay that off for you?, no. The bank would want you to fall on it so they can foreclose the home, resell it and keep all of your equity.
