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    Community

      Personalized Services

      Our Commitment:  We believe in providing personalized service to each of our clients. We take the time to understand your unique needs and recommend the best solutions.

      You may qualify:

      •  Health Care & Medication
      • Food & Nutrition
      • Housing & Utilities
      • Aging In Place
      • Income Assistance
      • Disability Services
      • Long Term Care
      • Discounts & Activities
      • Tax Help
      • Crisis, Legal & General Help
      • Veteran’s Programs

       **Programs availability depends on location

      What we do

      Free Educational Seminars

      • Medicare 101
      • Social Security 101
      • Health Insurance - the basics
      • Plus more

      Community Focus Events

      • Senior Centers
      • Food Banks
      • Health Fairs

      Assessments, Plan Review, ANOC

      Assistance With Application:

      • Medicare
      • Medicaid
      • Social Security
      • LIS (Low Income Subsidy) Medicare
      • NJ Save
      • Pharmaceutical Assistance Aged & Disable 
      • Others

      Medicare

      Health

      Life

      Personal Lines

      Dental and Vision

      Business

      Home Warranty / Pet / Travel / Jewelry (Luxury)

      MISSION STATEMENT

       We are dedicated to providing our clients with the highest quality of service, while upholding the principles of integrity and professionalism. We believe that every client is unique and deserves personalized attention. Our goal is to exceed their expectations by delivering exceptional service that is tailored to their specific needs. We are committed to ensuring the highest level of client satisfaction, as we understand that our success is directly tied to their satisfaction.

      RAMS Insurance was established in 2012 with the aim of providing affordable and dependable insurance coverage to individuals and businesses. Since then, we have broadened our range of services and expanded our team to better cater to our clients’ needs. At RAMS Insurance, we value integrity, honesty, and transparency. We prioritize our clients’ needs and work towards building long-term relationships based on trust and mutual respect.

      Insurance Types

      RAMS Insurance is a New Jersey-based insurance agency that is licensed and certified in 14 states, including Arizona, California, Florida, Georgia, Maine, Michigan, New Jersey, New York, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and West Virginia. We represent some of the top insurance carriers in the industry, which enables us to offer a wide range of products and ensure that our clients receive the best coverage at the best price.

      RAMS Insurance Agency LLC,  represents Medicare Advantage (HMO, PPO, PFFS, and PDP) organizations that have a Medicare contract. RAMS Insurance Agency LLC, is not affiliated with the federal government. Enrollment in any plan depends on contract renewal. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day, 7 days a week (except some federal holidays) to get information on all of your options. The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance agency.  

      About Us

      Protecting Futures

      Building Relationships

      Protecting Futures

      We have years of insurance experience helping clients prepare for the unknown. Ask us about:

      • Medicare / Health
      • Life / Annuity
      • Home / Renters
      • Auto / Motorcycle
      • Business
      • RIA Tax Services
      • LegalShield

      We can access many different insurance products so you can get the right one for you.

      Assessing Need

      Building Relationships

      Protecting Futures

      Many financial experts will tell you some unforeseen events and a lack of the right kind of insurance can spell trouble quickly. Call us today, and we'll analyze your insurance needs and get you covered quickly at the right price.


      Building Relationships

      Building Relationships

      Building Relationships

      Everyone has different insurance needs. Call us today for a personalized business or individual assessment and find out how we can help protect your hard-won assets.

      What is insurance and why do we need it?

      Individuals and businesses buy insurance to protect themselves against the uncertainties that cause financial as well as personal loss. The smooth functioning of our families, businesses, corporations, of society itself, cannot be effectively sustained without insurance protection against losses that may arise unexpectedly at some point in our lives.

      What Is Medicare, and What Does It Cover?

      Medicare is the government health care program for people 65 and over, and its coverage plays an important role in containing medical costs as you age. But Medicare benefits don’t pay for everything. As you approach age 65, you’ll need to decide how to deal with some of those coverage gaps. Knowing the basics of how Medicare works can help you understand some of the expenses you’ll face. Original Medicare refers to Medicare Part A and Medicare Part B, which are managed by the federal government. Medicare Part A covers inpatient care in a hospital or skilled nursing facility. Medicare Part B covers doctor visits and other medically necessary services and supplies. 

      Learn more

      What Is Health Insurance?

      Health insurance covers medical expenses for illnesses, injuries and conditions. But, unlike a plan through an employer, individual health insurance is something you select and pay for on your own. 

      So, what’s health insurance for and why do you need it? Because accidents or health problems can happen at any time. Medical expenses can be high—they’re the number one cause of bankruptcy. To gain access to a network of doctors and hospitals that have negotiated lower rates with insurance companies. To pay and keep track of medical payments quickly and easily. To safeguard your way of life and your family’s physical and financial well-being.

      Learn more

       Español - Glosario de términos médicos y de cobertura médica: 

      https://acrobat.adobe.com/link/review?uri=urn:aaid:scds:US:ac037c97-7d1c-3932-9895-ad30d46903eb


      English - Glossary of Health Coverage and Medical Terms:

      https://acrobat.adobe.com/link/review?uri=urn:aaid:scds:US:dbb9af23-a0c1-321f-8891-011274d4583e


      What Is Life Insurance and How Does It Work?

      Life insurance is an agreement between you and an insurance company that, in exchange for your monthly payments, the insurer will pay a sum of money to your loved ones. You buy life insurance not because you’re going to die but because those you love are going to live—and you want them to be financially secure after you’re gone. Life insurance can cover loss of income, funeral expenses, debt and other financial needs.

      Learn more

      What Is Homeowners Insurance?

      Homeowners insurance is a form of property insurance that covers losses and damages to an individual's residence, along with furnishings and other assets in the home. Homeowners insurance also provides liability coverage against accidents in the home or on the property. A homeowners insurance policy usually covers four kinds of incidents on the insured property: interior damage, exterior damage, loss or damage of personal assets/belongings, and injury that occurs while on the property.

      Learn more

      What is auto insurance?

      Auto insurance is a contract between you and the insurance company that protects you against financial loss in the event of an accident or theft. In exchange for your paying a premium, the insurance company agrees to pay your losses as outlined in your policy. Auto insurance provides coverage for: Property – such as damage to or theft of your car. Liability – your legal responsibility to others for bodily injury or property damage. Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

      Learn more

      What Is Business Insurance?

      Business insurance can help pay the costs of property damage, lawsuits, lost business income, and other covered losses. To help protect against specific risks unique to their situation, businesses often buy multiple coverages and combine several in one policy. A Business Owner’s Policy (BOP), for example, combines property, general liability and business income coverage into one convenient policy. You can get different types of business insurance to help protect your business, including: Commercial liability, Commercial property, Commercial auto, Workers’ compensation.

      Learn more

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