Terms of use.

This website is operated by Evan Richard (EQR Life LLC, New Jersey).

Information, not an offer

Everything on this site is general information about life insurance and related products. It is not an offer of coverage, not a policy, not a quote, and not a promise of eligibility. Coverage is only created by an issued policy from an insurance company, after an application and underwriting. Policy terms control over anything written here.

Not financial, legal, or tax advice

This site does not provide financial, legal, or tax advice. For decisions that involve your broader finances, taxes, or estate, bring in the right licensed professional for that question.

Licensing

Evan Richard is a licensed life insurance agent. NPN 22191176. New Jersey Producer License 3004211944. Licensed in New Jersey and 17 additional states (see Disclosures). Products, features, and availability vary by state, and nothing on this site is directed at residents of states where Evan is not licensed.

Costs and figures

Any dollar figures on this site, including funeral cost medians published by the National Funeral Directors Association, are cited figures that change over time. Any illustration values discussed are hypothetical and not guaranteed. Your actual costs and premiums depend on your situation, your application, and the insurance company's underwriting.

Third-party services

Booking and forms run through HighLevel, and meetings run through Zoom. Their own terms apply on their pages and in their apps. I'm not responsible for third-party sites or services.

Use of this site

Don't misuse the site: no scraping the contact form, no submitting other people's information without their permission, no attempting to break things. Content on this site belongs to Evan Richard and may not be copied for commercial use without permission.

Limitation of liability

This site is provided as is. To the extent the law allows, Evan Richard is not liable for damages arising from use of the site or reliance on general information published here.

Governing law

These terms are governed by the laws of the State of New Jersey.

Questions

Evan Richard · 495 Route 70 #1108, Brick, NJ 08723 · (305) 331-6906 · [email protected]