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Life Insurance

If something happened to you, would the financial future of your loved ones be protected? Help ease your mind with coverage that you and your family can rely on.

What is life insurance?

Life insurance policies help provide security to either you or your beneficiaries after you pass away or after a designated period of time. With a life insurance policy from Nationwide, you can help secure your family’s financial future by paying for college, paying off a mortgage, covering any final expenses or estate taxes, and more.

Types of life insurance

There are two main types of life insurance: term life insurance and permanent life insurance. Term life insurance simply covers you for a specified amount of time (10-, 20- and 30-year policies being the most common). Permanent life insurance can be broken down into three types: universal, whole and variable. You can use this tool to get a better understanding of which type of life insurance is right for you.

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Term life insurance can be used to replace lost income. This can provide a safety net for your family and help them meet their financial goals.

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Long-term care

Long-term care (LTC) can be used to pay for potential LTC expenses and offers a death benefit.

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Variable life insurance offers whole life protection and an investing component similar to a mutual fund.



Universal life insurance offers flexible payment options, death benefits and cash value.


Let us help you to calculate the amount of life insurance you need.

The Ramos Capital Group Life Insurance Calculator can help estimate the amount of life insurance coverage you'll need to help keep your loved ones financially secure.

Not sure where to start?

Talk with one of our life insurance specialists





8141 2nd St. Suite 330

Downey, CA. 90241

Investment Management  

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