Ramsay Finance Group | Life Insurance with Mike Ramsay

How it works

Life insurance in 3 simple steps

No jargon, no confusion. Here's the basic idea.

Pick your coverage

Choose how much protection your family would need and for how long, whether that's a set number of years or your whole life.

Pay a premium

You make regular payments (usually monthly) to keep your policy active. Getting covered while you're younger and healthier often helps.

Your family is protected

If you pass away while covered, your beneficiaries receive a lump-sum payout (generally tax-free) for the mortgage, bills, childcare, college, or final expenses.

Who it's for

Coverage for every chapter of life

Every family looks different. Every family deserves protection.

Diverse families: new parents, a same-sex couple with their child, an older couple, and a young family

👨‍👩‍👧 Young families

Help make sure your kids can stay in their home, stay in school, and keep their dreams on track, even if you're not there.

🏡 Homeowners

You insure your house. Life insurance can help your family keep it by covering the mortgage if the unexpected happens.

🌅 Nearing retirement

It's not too late. Coverage can handle final expenses, leave a legacy, or support your estate plans so loved ones aren't left with the bill.

Types of coverage

Your options, explained simply

Every situation is different. We'll walk through what fits yours.

Term life

Covers you for a set period, like 10, 20, or 30 years. Usually the most affordable way to get a large amount of coverage while your family depends on your income.

Whole / permanent life

Designed to last your entire life as long as premiums are paid. Many permanent policies also build cash value over time.

Living benefits

Life insurance you don't have to die to use. Some policies let you access part of your benefit early if you face a qualifying serious, chronic, or terminal illness.

Final expense

A smaller policy meant to cover funeral and end-of-life costs, so your family can grieve without a financial burden.

About Mike

Hi, I'm Mike Ramsay

A husband and father who knows what's at stake.

I'm Norman Michael Ramsay Jr., a Licensed Insurance Broker, Duke grad, and the founder of Ramsay Finance Group.

I started this work because too many families are left scrambling after a loss. My mission is simple: teach people how life insurance really works and help them get covered, so no family has to rely on a GoFundMe to say goodbye.

Talk with Mike

FAQ

Common questions

How much life insurance do I need?

It depends on your income, debts, mortgage, and the people who rely on you. A common starting point is enough to replace your income for several years and pay off major debts. We can walk through it together.

Is life insurance expensive?

Often it costs less than people expect, especially term coverage purchased while you're younger and healthier. Rates depend on age, health, coverage amount, and policy type.

What's the difference between term and whole life?

Term covers you for a set number of years and is usually more affordable. Whole life is designed to last your lifetime and may build cash value.

Do I need a medical exam?

Not always. Some policies don't require an exam, while others do. It depends on the coverage and your situation.

Can I get coverage if I'm older or have health issues?

Often, yes. Options like final expense coverage are designed with older applicants in mind. Eligibility varies, so the best step is to ask.

No more GoFundMe funerals. No more excuses.