Life & Health Insurance/Expert Profile

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I can answer questions from people regarding health, life, and voluntary insurance. I can also answer certain annuity questions, long-term care, medicare, vision, dental, group products, individual products, and certain carriers. Another area would be general discussion on an individual basis to determine need and help individuals make the right decisions for them. I can also field questions from other insurance providers about carriers I represent so we can do some business together and I am also willing to offer my thoughts on certain issues they may be having with clients/customers, etc.

Experience in the area

My experience comes from helping many people every day handle tough situations in the health, life, and voluntary insurance markets. I do not claim to know it all, but I will always be direct and professional.


National Association of Health Underwriters, Alabama Association of Health Underwriters, Birmingham Association of Health Underwriters


Self Funding Magazine,, Birmingham Business Journal, North Jefferson News


My educational credentials are holding a health and life insurance license in multiple states.

Awards and Honors

Colonial Life Rookie Sales Award of the Year (2006), Treasurer - Birmingham Association of Health Underwriters (2010), NAHU Region 5 & 6 Leadership Conference Participant (2011), "Benefits Selling" Magazine Reader Council Advisory Board (2011), President Elect - Birmingham Association of Health Underwriters (2011), President (2012-2014), VP of Technology - Alabama Association of Health Underwriters, (2011-Present), NAHU LPRT Soaring Eagle Award Recipient (2013)

Past/Present Clients

I would prefer not to divulge clients without their consent to do so.

What do you like about this subject?

I am passionate about helping people. People have various needs throughout the stages of their lives and I like to help them be sure they are protecting themselves and their loved ones no matter what stage of life they are in.

What do you still hope to achieve/learn in this field?

I am learning and growing every day. I want to be the "Insurance Man" people turn to for all their needs.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
John05/24/16101010Thanks for your comments.
joyce02/12/15101010thank you so much for your attention .....
Jordan05/24/14101010Comprehensive and clear answers. I wish the .....

Recent Answers from Gene Ramsay

2015-11-16 Required obamacare Health Insurance:

Harry,    You are preaching to the choir my friend. It's a question I hear every single day. The answer is yes...and no.    There are plans that are basically called Minimal Essential Coverage plans or

2015-08-10 Life Insurance Loan:

Carolyn,    I am a firm believer in everyone having their own independent life insurance. However, the death benefit needs to make sense for the purpose of final expenses. Most funerals and final burial

2015-08-07 Life Insurance Loan:

Carolyn,    I'm glad you decided to come my way. I will see what I can do to help.    If I understand your question correctly, you have a life insurance policy that also accumulates cash value. How much

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Joyce,    What I can tell you is that different states and different carriers in those states equals differences in claims processing. What you had may have been more prevalent in that state. Take Alabama

2015-01-30 how insurance works:

Joyce,    I wish I could answer why people do things the way they do. It seems like common sense to me that doctors and hospitals ask about insurance up front and advise people. In an emergency situation


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