Needs Insurance Now

Needs Insurance NowNeeds Insurance NowNeeds Insurance Now

Needs Insurance Now

Needs Insurance NowNeeds Insurance NowNeeds Insurance Now

protect your loved ones, yourself, & EVERYTHING YOU HAVE WORKED HARD FOR

protect your loved ones, yourself, & EVERYTHING YOU HAVE WORKED HARD FORprotect your loved ones, yourself, & EVERYTHING YOU HAVE WORKED HARD FORprotect your loved ones, yourself, & EVERYTHING YOU HAVE WORKED HARD FOR


A comprehensive review of your current insurance coverages can make that happen.


Schedule a free consultation!

protect your loved ones, yourself, & EVERYTHING YOU HAVE WORKED HARD FOR

protect your loved ones, yourself, & EVERYTHING YOU HAVE WORKED HARD FORprotect your loved ones, yourself, & EVERYTHING YOU HAVE WORKED HARD FORprotect your loved ones, yourself, & EVERYTHING YOU HAVE WORKED HARD FOR


A comprehensive review of your current insurance coverages can make that happen.


Schedule a free consultation!

About Us

Protecting Your Futures

Are you tired of being in DEBT?

Are you tired of being in DEBT?

  • Have your homeowner's or auto insurance rates jumped dramatically?
  • Do you own a business and want to minimize your risks & improve your bottom line?
  • Did you lose your job and now need health insurance for yourself and or your family?
  • Are you becoming eligible for Medicare soon and need help understanding the various options available to  you

  • Have your homeowner's or auto insurance rates jumped dramatically?
  • Do you own a business and want to minimize your risks & improve your bottom line?
  • Did you lose your job and now need health insurance for yourself and or your family?
  • Are you becoming eligible for Medicare soon and need help understanding the various options available to  you?
  • Do you want to protect your family by ensuring your home mortgage is taken care of in case something happens to you?
  • Do you want to prevent your family from having to worry about taking care of your financial expenses when you pass away?
  • Are you going on vacation overseas or have relatives from other countries coming to visit you and you need health insurance coverage to cover the "just in case"?



Relax, we can help you with all these situations and more.  We have many years of insurance experience in helping clients prepare for the various  risks of life.  


Ask us about:


Health & Life

  • Medicare
  • Individual & Family Plans
  • Life Insurance
  • Travel Insurance


 Property & Casualty

  • Automobile
  • Homeowners & Renters
  • Umbrella  Policies
  • Business Insurance
  • Workers Comp


We have access to many carriers across the country  that offer the various products you need.


Contact us today for a free no obligation review of your current insurance needs.

Are you tired of being in DEBT?

Are you tired of being in DEBT?

Are you tired of being in DEBT?

What if I told you, that I can show you an interesting way that you can get out of debt in 9 years or less INCLUDING YOUR MORTGAGE, without spending any additional money over what you are currently spending now on a monthly basis?  Would you be interested in hearing more?


This is not a beans and rice, rice and beans, scorched earth, painfu

What if I told you, that I can show you an interesting way that you can get out of debt in 9 years or less INCLUDING YOUR MORTGAGE, without spending any additional money over what you are currently spending now on a monthly basis?  Would you be interested in hearing more?


This is not a beans and rice, rice and beans, scorched earth, painful belt tightening process!

Most people won't put themselves thru that anyway!


Call us to find out more.  What do you have to lose?


What do you have to lose?

Our Team

Freddie Ram

Freddie began his career in the Wonderful World of Insurance in November of 2004 as an Agency owner with American Family Insurance.  Since then he's worked as an Independent Insurance Agent learning from some of the best Insurance Brokers in the market, managed a Sales Team for Humana in their Medicare Tele Sales Department, and has been the Director of Operations for a Medicare Broker that sold Medicare Supplements, Medicare Advantage Plans, and Prescription Drug Plans nationwide.   In January of 2019, Freddie decided to jump back into being an Independent Insurance Broker again and now offers his expertisee in various insurance products to his clientele.  He has been married going on 27 years to the most beautiful and caring woman in the world, has 3 beautiful daughters, & 2 grandchildren.  He is one happy Grandpa!

Contact Us

Schedule Your Free Asessment

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Needs Insurance Now

623.330.9552 needsinsurancenow@outlook.com

Hours of Operation

Monday thru Thursday:  9 AM - 5 PM

 Friday: 9 AM - 3 PM

Closed Weekends

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