Ramon “Ray” Munroe is an independent insurance agent with Senior Benefits Center/InsureCarolinas, licensed in North Carolina and South Carolina. Ray was born in Jamaica and moved to south Florida with his family at the age of 5. watching his parents work hard to provide for he and his younger brother and sister instilled in him the character and strength to do what it takes to achieve his goals. an opportunity in North Carolina brought he and his wife to the Charlotte area in 2008.