Frequently Asked Insurance Questions

What types of insurance do you sell?

  • Individual Health Insurance
  • Medicare Supplement Plans
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Group Health Insurance

How can I get an insurance quote?

For individual, simply click here.

Can I apply for insurance online?

For individual, under 65 BCBS coverage yes; for other options, further consultation would be necessary.

Is there a cost difference between buying from you
as opposed to direct purchase from the insurer?

No. There is no difference in cost.

Is there a charge for your services?

There is no charge for individuals and groups over 6 employees.

For small groups (under 6 employees), there is an annual set-up/maintenance fee of $250. This includes initial consultation/quote options, and initial set-up/installment. This also includes the annual renewal consultation.

Do you provide help submitting insurance claims?

Yes, it's one of our strongest areas. After one or two phone calls with you we'll get your information to the insurer and either get your claim paid or a check mailed to you.

Do you represent only one insurance company?

No, we are brokers on the group side, representing all the major carriers and then some. For the individual side we are exclusive BCBSNC agents.

Who do I call when there is a problem?

Call us first, 919-571-0033.
Frequently Asked Insurance Questions


“'Vendor loyalty' year after year is not a given, but an earned reward for honesty, integrity, effort, meticulous follow through and attention to detail. I have been a loyal customer of Dean Ramey's for nearly thirty years while managing large, medium and small businesses and I would recommend Dean Ramey without question, as these are Dean's core values in handling a business relationship.”

Howard Rice
Former CFO Magellan Labs

Companies We Represent

  • Abacus/Union Security
  • Allstate
  • American General
  • Assurant
  • Blue Cross/Blue Shield NC
  • Columbian Mutual
  • Companion Life
  • Genworth
  • Guardian
  • John Alden
  • Kansas City Life
  • MetLife
  • Transamerica
  • Trustmark
  • United Healthcare
  • UNUM
Personal Service at No Extra Cost