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Health & Life Insurance

Coverage that fits your family — from someone who's already earned your trust.

Missed open enrollment? We offer health plans year-round. Real coverage, honest pricing, and a straight answer every time you call.

Avel Ramirez  ·  Licensed in all 50 states
Avel Ramirez, licensed health and life insurance agent

Why America First

Coverage that puts your dollars where your values are

01

Coverage that fits your values

Many standard plans fund things that don't align with what you believe in. You shouldn't have to compromise to be protected.

02

Save thousands

Access to some of the fastest, most affordable coverage options on the market — often for less than what you're paying now.

03

Know your options

No pressure, no penalties. We'll walk through what's actually available so you can choose what's right for your family.

04

A free, honest consult

It doesn't cost a dime to talk. If it's not a fit, you'll know — and you'll still walk away with a clearer picture.

12+
Years in client-facing service
$0
Cost to consult
Year‑round
Enrollment options
Avel Ramirez portrait

My Story

Three careers, one job: earning your trust

10 Years

Banking

Helped families make sense of mortgages, savings, and some of the biggest financial decisions they'd ever make.

2 Years

Real Estate

Walked families through the biggest purchase most of them will ever make — and learned that people don't want to be sold to, they want someone in their corner.

Today

Health & Life Insurance

Bringing that same care to protecting what your family has built — your health, your income, and your future.

Outside of work, I'm a husband, father of two daughters, and a man who tries to run his business the same way he runs his home — with honesty, service, and putting the people in front of me first. If you're looking for someone who'll give it to you straight and actually follow through, that's what you'll get here.

★★★★★

Rated by clients on Google & Trustpilot — read reviews

Schedule your free review

Let's find your plan

Pick a time that works — the call is free, and there's no obligation.