Your numbers, on a screen.
Thirty minutes on Zoom. I share my screen, we build an illustration from your age and the amount you had in mind, and you see the premiums, the policy charges, the cash value projections and the death benefit side by side. Then you decide. No slides you can't question.
Licensed life insurance agent. NPN 22191176 · NJ Producer License 3004211944 · I answer my own phone.
Every column. Including the ones most people are never shown.
An illustration is a long table of numbers. Over the phone an agent describes it while you nod. On a screen you watch me change one number and see what moves.
Premiums.
What you pay, monthly or annually, and what happens to the policy if you pay more in good years and less in tight ones.
Policy charges, in dollars.
Cost of insurance, premium loads, administrative fees and rider charges. Heaviest in the early years. I add up years 1 to 10 before you ask.
Cash value, two columns.
The projected column next to the guaranteed column. Every number in the projected column is a hypothetical under an assumed crediting rate. It is not a promise.
Death benefit.
What your family receives, and exactly how a loan or a withdrawal later would change it.
If an agent won't put all four on a screen for you, ask why. Book a 30-minute Zoom.
Three questions to make any agent answer on a screen.
What does the cash value look like if the index credits 0% three years in a row?
It happens. The charges don't stop.
What are the total policy charges in years 1 through 10, in dollars?
Not a percentage. Dollars.
In what year does the illustration show the policy funded enough to carry itself?
And what happens if you stop paying before that.
I put all three on the screen for you without being asked.
Illustration, built live on the callSample layout
This is the shape of what you'll see. The numbers are yours, built on the call from your age and your budget. Every projected value is hypothetical and not guaranteed.
Thirty minutes. Five parts. No homework.
- 1 · 5 min
Your why.
What you want the money to do, and when.
- 2 · 6 min
How it works.
Plain terms. No jargon you have to take on faith.
- 3 · 5 min
Fit and the cons.
Where it sits next to other tools, and what can go wrong.
- 4 · 8 min
Your numbers.
The illustration, built live from your inputs.
- 5 · 6 min
Your decision.
Apply, adjust, or walk away. All three are fine.
One rule for the call: if something doesn't make sense, say so. I'd rather lose the sale than have you buy something you don't understand.
The cons, first.
Costs are front-loaded.
Early-year charges mean cash value can be small or negative for several years. Surrender charges apply if you walk away early.
Growth is not guaranteed.
Illustrations are projections. The insurance company can lower caps and participation rates within the contract's limits.
Cost of insurance rises with age.
If the cash value doesn't keep up, the policy needs more premium later or it can lapse.
Loans aren't free money.
They accrue interest, reduce the death benefit, and a lapse with a loan outstanding can create a tax bill.
It only works if it's funded.
Minimum-premium policies mostly end up as expensive life insurance. The cash value job needs real contributions over a long time.
It is complex.
More moving parts than a term policy. It needs an annual review, not set-and-forget.
Who this is usually not right for
- You don't have an emergency fund yet, or you carry high-interest debt.
- Your employer match isn't being fully captured. Take the match first.
- You only need a death benefit for a set number of years. Term costs less and is simpler.
- You may need this money back within the first several years.
- You want a guaranteed number. A whole life policy or a fixed product fits that better.
Someone who already has the basics covered, wants permanent protection for their family, can fund it consistently for a long time, and values having a second pool of money they control.
Three honest answers at the end of the call.
Let's apply.
The numbers fit the why. We start the application on the call, about fifteen minutes, and underwriting takes it from there. You see the final offer before anything is in force.
Change one input.
Premium, death benefit, or retirement age. I re-run it while you watch and we look again.
Not for me.
Completely fine. I'll tell you what I'd look at instead, and your file stays open if anything changes.
Which one is it? That's the whole conversation.
You work with me. Just me.
I'm Evan Richard, a licensed life insurance agent based in Brick, New Jersey. I compare policies from many insurance companies and tell you the truth about which one fits. If none of them do, I say so.
You get my number, not a queue. I answer my own phone. I run my own illustrations. And when life changes in five years, you call the same person who set you up.
- Licensed in 18 states
- Based at the Jersey Shore
- One point of contact, always
Asked and answered.
Yes. I'm a licensed life insurance agent, National Producer Number 22191176, New Jersey license 3004211944. You can look me up on your state insurance department's license search or at nipr.com. The text came from my office number; the email came from evan@mail.evanrichard.com. This site, my cell and my office address are at the bottom of every page.
No. It is permanent life insurance with a cash value account attached. The cash value earns interest credits tied to the movement of a market index. You are not invested in the market, growth is not guaranteed, and policy charges apply every year. How an IUL works →
Nothing, and no. Thirty minutes, your numbers on a screen, and three allowed answers at the end: apply, change one input, or not for me.
Three things: your age, the monthly amount you had in mind, and the age you'd like the option to stop working. Your camera can stay off.
Sarah is my automated scheduling assistant. She handles the texting from my office line so that the only thing I do is talk to you. She books time. She does not quote, explain products or give advice; everything about a policy comes from me, on a screen, with my license on it.
Yes, and I'll tell you what I'd look at instead. Most people are better served by term life than by any permanent policy, and I sell term too. The honest answer costs me the sale sometimes. I'd rather keep the referral.
No. The insurance company pays me, and the price of the policy is the same either way.
New Jersey is home base, and I hold licenses in 17 more: Alabama, Arizona, Arkansas, California, Iowa, Louisiana, Maine, Missouri, Nevada, New Mexico, North Carolina, Ohio, South Carolina, South Dakota, Texas, Virginia and Wyoming.
Something else on your mind? Ask me directly. (305) 331-6906
Let's look at your numbers.
Pick a time. The Zoom link comes by email and text. Camera optional on your side; mine will be on.
Rather talk first? Call or text (305) 331-6906, or have me call you.