Independent insurance agency
Coverage for your income, your home and what's next — for American and Hispanic families alike, explained clearly, in English or Spanish, with no pressure and no scare tactics.
Coverage we offer
Five core ways to protect your family — we help you understand each one and choose what fits.
Term life
Your paycheck is what holds the household together. This replaces it. If you're not here, your family keeps the income the mortgage, the groceries and the school year were built on — instead of losing it the same month they lose you.
Ask us about thisTerm life on the mortgage
The house is usually the biggest thing a family carries. This covers what's left on the mortgage, and the money goes to your family — not to the lender. They decide whether to pay the loan off or keep making payments and use the rest. Some plans offer a return-of-premium option if you outlive the term; it's an add-on and it costs more.
Ask us about thisWhole life
A funeral is a bill that arrives at the worst possible moment, and it lands on whoever is least able to think about money that week. This is smaller, permanent coverage built for exactly that: the premium is locked, and the coverage doesn't expire as long as it's paid.
Ask us about thisIndexed Universal Life (IUL)
Permanent coverage that also builds cash value over time. The growth follows a market index, with a floor so a bad year doesn't pull it down and a cap so a great year is limited. It has more moving parts than anything else here — it needs reviewing as the years pass, and we'll walk you through how it actually behaves before you decide anything.
Ask us about thisFixed Indexed Annuities (FIA)
For money you've already saved and don't want to put at risk. Your principal is protected from market losses, and interest is credited based on an index — with limits on how much of a strong year you keep. It's built to turn savings into income later. Access is restricted in the early years, and that's part of the deal, not fine print.
Ask us about thisRamirez Organization is an independent insurance agency, not an insurer. Policies are issued by licensed insurance companies. Product descriptions are summaries; benefits, terms and eligibility are determined by the issuing carrier's policy and are subject to underwriting and approval. Products and availability vary by state.
Why RO
The same five, whether you're the family we protect or the agent we train.
We explain until it makes sense — not until you say yes.
For our clients
No jargon, no fine-print surprises — in English or Spanish.
For our agents
Training that starts at zero, without assuming you know the words.
The right call, even when it costs us the sale.
For our clients
If a policy isn't right for you, we say so.
For our agents
Compensation and expectations on the table from day one.
We work for the family in front of us, not for one carrier.
For our clients
We recommend what fits — chosen from more than one option.
For our agents
You're not pushing one product line. You're solving a real need.
The best tools we can find, in everyone's hands.
For our clients
Your policy, your documents, your answers — without chasing anyone down.
For our agents
A portal that works, real training, and a process you can repeat.
What a policy is really for — and what a career can become.
For our clients
Coverage that shows up on the hardest day, so your family keeps going.
For our agents
A business you build from zero — and one day, hand to someone.
How we work
We sit down, we explain, we answer. If something isn't clear, that's on us.
Our team
CEO & Founder
Aldo Ramírez Marinelli is the founder and owner of RO, in Atlanta, GA. Born in Barinas, Venezuela, he came to the U.S. in 2010 chasing a soccer dream — captain and national champion with Zamora FC — and found his calling protecting families. Today he leads his team guided by three values: integrity, service, and resilience.
COO & Co-Founder
Paola Asaro is co-founder of RO, in Atlanta, GA. Born in Mérida, Venezuela, she came to the U.S. in 2019 and, as COO, leads operational strategy, team development, and the organization's culture. Her leadership blends discipline, clarity, and purpose, inspiring each person to grow while keeping balance.
Two ways we can help
For families
A short, honest conversation. We listen first, then help you find the right plan.
For careers
Performance-based income, full training, and mentorship. No prior experience required — we teach you the rest.
Businesses in our community
RO gives visibility to trusted local businesses our families already rely on. See who we're featuring across the community — or add your own business to the directory.
Track record
Years training agents, speaking to full rooms and building teams that stay. That experience now works for your family — with no one above us telling us which product to push.
12+
years in the business
8,000+
families served
What clients say
“They explained step by step all the benefits of this insurance. I feel very comfortable with the whole team — my experience with Paola was wonderful. I recommend her 100%; her care and kindness are incredible.”
“What this company offers truly makes a difference — the level of benefits, personalized guidance, and clarity in the process is something I haven't seen at other companies. Paola's attention was exceptional; the meeting felt more like a family conversation than a formal consultation. Highly recommended.”
“Paola helped me with my policy and with filing a claim for an Urgent Care visit — the payment came through today. Top-notch service!”
Individual experiences; results vary.
Questions
The practical ones — the products themselves are explained above.
Start with what breaks first. Most families start with whatever would hurt soonest if the income stopped — usually the paycheck or the mortgage. From there we look at what you already have, what it costs, and whether anything else is worth adding. That conversation is free and there's no obligation at the end of it.
Depends on the product and the amount. Some coverage requires one and some doesn't, and the threshold changes by product and by how much coverage you're asking for. We'll tell you which applies to your case before you fill out anything.
Yes, and most people do. These aren't alternatives to each other — they cover different things. A term policy on the mortgage and a smaller permanent policy for final expenses is a common combination, because they're solving two different problems on two different timelines.
Yes — everything we do is bilingual English and Spanish, at parity. Neither is a translation of the other. You'll be served in the language you're most comfortable in.
Cost depends on your age, health and the coverage you want, so we give you an accurate quote after a short conversation — no cost or obligation. We're not owned by any insurance company, and we have access to more than 20 national carriers — so we shop your coverage and bring you the one that actually fits.
No prior experience or license required to start the conversation. We provide full training and mentorship, and help you get licensed. Income is performance-based.
Get in touch
Write to us and one of these two people answers. The quote is free and commits you to nothing.
Aldo Ramírez
CEO & Founder
Paola Asaro
COO & Co-Founder
