Disclosures.

Licensing

Evan Richard is a licensed life insurance agent, National Producer Number 22191176, New Jersey Producer License 3004211944 (Life, effective May 6, 2026). Licensed in Alabama, Arizona, Arkansas, California, Iowa, Louisiana, Maine, Missouri, Nevada, New Jersey, New Mexico, North Carolina, Ohio, South Carolina, South Dakota, Texas, Virginia and Wyoming. Nothing on this site is directed at residents of states where Evan is not licensed. Products, features and availability vary by state.

How Evan is compensated

Evan is paid commissions by the insurance company that issues a policy. The premium is the same whether a policy is purchased through Evan or directly from the company. Evan does not charge fees, does not sell securities and does not manage money.

Not affiliated

Not affiliated with or endorsed by any government agency, including the Department of Veterans Affairs, Medicare or the Social Security Administration.

About indexed universal life insurance

Indexed universal life insurance is life insurance, not an investment or a retirement plan. Cash value growth is linked to the performance of a market index and is not guaranteed. Policy charges, including cost of insurance, premium loads, administrative fees and rider charges, apply every year regardless of index performance, and surrender charges may apply in the early policy years. Illustrated values are hypothetical and based on assumed crediting rates that are not guaranteed. Caps, participation rates and other crediting factors are set by the insurance company and may change, subject to contractual limits. Policy loans and withdrawals reduce the cash value and death benefit and may cause the policy to lapse; loans accrue interest. Tax treatment described on this site is under current federal tax law, is general in nature and depends on individual circumstances; a lapsed or surrendered policy with an outstanding loan may create taxable income. Consult a qualified tax professional. Living benefit riders are subject to carrier availability, state approval, definitions, limits and charges; accelerating a death benefit reduces the amount payable to beneficiaries. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Coverage is subject to underwriting and eligibility.

About final expense coverage

Final expense policies are whole life insurance. Premiums, coverage amounts and eligibility depend on age, health and the issuing company's underwriting. Funeral cost figures cited on this site are National Funeral Directors Association medians and change over time.

General information only

This website is general information. It is not an offer of coverage, a quote, a policy or a promise of eligibility, and it is not financial, legal or tax advice. Coverage is created only by an issued policy after an application and underwriting; the policy contract governs.

Text messaging terms

Program name: Evan Richard Insurance. By opting in on a form on this site or by texting Evan's office line, you agree to receive text messages from Evan Richard about your request, appointment scheduling and reminders, and follow-up on information you asked for. Message frequency varies by conversation. Message and data rates may apply. Reply STOP to any message to opt out; reply HELP for help or call (305) 331-6906. Consent to receive text messages is not a condition of purchasing any product. Carriers are not liable for delayed or undelivered messages. Your mobile information will not be shared with third parties or affiliates for their marketing purposes. Mobile opt-in information is never sold, rented or shared with third parties or affiliates for marketing purposes. See the Privacy Policy for how information is handled.

Questions

Evan Richard · 495 Route 70 #1108, Brick, NJ 08723 · (305) 331-6906 · eqrinsurance@gmail.com