Protect your family with coverage that is simple, honest, and built around you.
EQR Life helps individuals and families compare life insurance and retirement-focused options from multiple highly rated carriers, so you can make a confident decision without pressure or confusion.
Not sure what type of coverage you need? A quick review can help you avoid guessing, overpaying, or choosing the wrong type of policy. Use the chat in the corner of your screen to start a conversation whenever you're ready.
More options means better opportunities to find coverage that fits your needs, goals, and budget.
EQR Life is not locked into one company, allowing recommendations to be centered around the client.
Clear conversations, easy explanations, and straightforward next steps from start to finish.
Coverage designed to help protect loved ones, income, final expenses, and long-term financial goals.
Coverage options built around real-life needs.
Whether you are protecting your family, planning for final expenses, building long-term cash value, or preparing for retirement income, EQR Life helps you understand your options clearly.
Whole Life Insurance
Permanent life insurance designed to provide lifelong protection with predictable premiums and potential cash value accumulation.
- Lifetime protection
- Fixed premium options
- Cash value potential
Final Expense Insurance
Coverage designed to help loved ones handle funeral costs, burial expenses, medical bills, and other end-of-life needs.
- Simple coverage options
- Designed for final costs
- Family-focused protection
Indexed Universal Life
Flexible permanent life insurance with death benefit protection and potential cash value growth tied to market indexes.
- Flexible structure
- Growth potential
- Downside protection features
Annuities
Retirement-focused products designed to help protect savings, create income strategies, and support long-term planning.
- Retirement income options
- Principal protection options
- Legacy planning support
Independent advice without the pressure.
Insurance can feel confusing when every company claims to have the best option. EQR Life makes the process easier by helping you compare solutions from multiple carriers and understand what actually fits your situation.
- Clear explanations without complicated insurance jargon
- Multiple carrier options instead of one-size-fits-all recommendations
- Guidance focused on your family, budget, and long-term goals
- Professional service before, during, and after the application process
Serving clients across multiple states.
EQR Life is licensed to help clients in the following states:
A simple 3-step process.
The goal is to make insurance feel clear, manageable, and comfortable.
Start A Conversation
Use the chat to share your goals, family situation, budget, and coverage needs so we can understand what fits best.
Review Your Options
Compare available options from multiple carriers with clear explanations of benefits, costs, and trade-offs.
Choose With Confidence
Move forward only when the coverage makes sense for you. No pressure, no confusion, no rushed decisions.
About EQR Life
EQR Life was built to help individuals and families protect what matters most through clear, honest, and reliable insurance guidance.
The company focuses on making the insurance process simple. Instead of overwhelming clients with complicated terms or high-pressure sales tactics, EQR Life helps explain the options, compare available solutions, and guide each client toward coverage that fits their actual needs.
With access to 26 A+ rated carriers, EQR Life is able to help clients explore multiple options for life insurance, final expense coverage, indexed universal life, and annuity solutions.
About Evan Richard
Evan Richard is the owner of EQR Life and works with clients who want straightforward answers, dependable service, and a more personal insurance experience.
Evan believes families deserve guidance that is easy to understand and centered around their priorities. His approach is simple: listen first, explain clearly, and help clients make informed decisions without pressure.
Whether someone is protecting a spouse, children, parents, business, future retirement income, or final expenses, Evan's goal is to make the process feel comfortable, honest, and built around the client's best interest.
Have a question? Start a conversation.
Questions about life insurance, final expense coverage, IUL, or annuities? Reach out directly using any of the contact methods below.
The fastest way to get answers is right inside the chat. Send a message and we'll help you understand your options, walk through costs, and make sense of the next step — no pressure, no rush.
Privacy Policy & Terms of Service
The full text of the EQR Life Privacy Policy and Terms of Service is published below. Tap either section to read it in full, or visit the standalone pages linked in the footer.
Privacy Policy
Effective Date: May 26, 2026 · Last Updated: May 26, 2026
EQR Life ("EQR Life," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, how we protect it, and the choices you have regarding that information when you visit our website, contact us, request a quote, or enroll in our SMS messaging program.
1. Information We Collect
We may collect the following categories of information:
- Contact Information: Name, mailing address, email address, telephone number, and mobile phone number.
- Insurance Qualification Information: Date of birth, gender, state of residence, tobacco use, general health information, employment status, and beneficiary information, as needed to provide quotes or applications.
- Communications: Records of messages, calls, emails, voicemails, chat transcripts, and any information you voluntarily provide.
- Website Usage Information: IP address, browser type, device type, referring URL, pages viewed, and timestamps, collected through cookies and similar technologies.
- Consent Records: Date, time, method, and content of your opt-in to phone calls, text messages, and email communications.
2. How We Use Your Information
We use the information we collect to:
- Respond to your questions and requests.
- Prepare insurance quotes, applications, and policy recommendations.
- Communicate with you by phone, text message (SMS/MMS), and email about your inquiry, quote, application, policy, or appointment.
- Send service notifications, appointment reminders, policy-related updates, and customer support messages.
- Improve our website, services, and customer experience.
- Comply with legal, regulatory, and insurance carrier requirements.
3. SMS / Text Messaging Program
By providing your mobile phone number and opting in, you agree to receive text messages from EQR Life related to your insurance inquiry, quote, application, policy status, scheduled appointments, and customer support follow-ups.
- Message Frequency: Message frequency varies based on your interaction with us.
- Message and Data Rates: Standard message and data rates may apply per your mobile carrier's plan.
- Opt-Out: Reply STOP at any time to any text message to unsubscribe.
- Help: Reply HELP for assistance, or contact us at (305) 331-6906 or [email protected].
- Carriers: Supported by major U.S. carriers. Carriers are not liable for delayed or undelivered messages.
4. How We Share Information
EQR Life does not sell your personal information. We may share information only as follows:
- Insurance Carriers and Underwriters: To prepare quotes, submit applications, and service your policy.
- Service Providers: Vendors that help us operate our business (such as CRM, scheduling, email delivery, hosting, and SMS messaging platforms), bound by confidentiality and use restrictions.
- Legal and Regulatory: When required by law, subpoena, court order, or to comply with state insurance department requirements.
- Business Transfers: In the event of a merger, sale, or transfer of business assets, subject to continued protection of your information.
We do not share, sell, rent, or trade your mobile phone number, SMS consent, or text-messaging opt-in data with third parties or affiliates for marketing or promotional purposes under any circumstance.
5. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to recognize your browser, remember preferences, measure traffic, and improve performance. You can control cookies through your browser settings, though some site features may not function as intended if cookies are disabled.
6. Data Retention
We retain personal information for as long as necessary to provide services, comply with our legal and regulatory obligations, resolve disputes, and enforce our agreements. Records of SMS opt-in consent are retained in accordance with applicable carrier and regulatory requirements.
7. Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, and destruction. No method of transmission or storage is 100% secure, so we cannot guarantee absolute security.
8. Your Rights and Choices
- Email: You may unsubscribe from marketing emails by following the unsubscribe link in any email.
- Calls: You may ask to be placed on our internal do-not-call list by contacting us at (305) 331-6906 or [email protected].
- Text Messages: Reply STOP to opt out at any time.
- Access & Correction: You may request access to, correction of, or deletion of your personal information by contacting us.
- State Privacy Rights: Residents of certain states may have additional rights under applicable law (e.g., CCPA/CPRA). Contact us to exercise these rights.
9. Children's Privacy
Our services are intended for adults age 18 and older. We do not knowingly collect personal information from children under 13. If we learn we have collected such information, we will delete it.
10. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Material changes may also be communicated by email or other reasonable means.
12. Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights:
EQR Life
Attn: Evan Richard, Owner
Phone: (305) 331-6906
Email: [email protected]
Terms of Service
Effective Date: May 26, 2026 · Last Updated: May 26, 2026
Welcome to EQR Life. These Terms of Service ("Terms") govern your use of the EQR Life website, our communications (including telephone calls, text messages, and email), and any services offered by EQR Life ("EQR Life," "we," "us," or "our"). By accessing our website, providing your contact information, requesting a quote, or enrolling in our SMS program, you agree to these Terms.
1. About EQR Life
EQR Life is an independent insurance agency owned and operated by Evan Richard. We help individuals and families compare and apply for life insurance, final expense insurance, indexed universal life (IUL) insurance, and fixed and indexed annuity products from multiple A-rated insurance carriers. EQR Life is currently licensed to serve clients in New Jersey, Ohio, Texas, South Carolina, South Dakota, Virginia, New Mexico, and Maine.
2. No Insurance, Tax, Legal, or Investment Advice
The content on this website is for general informational purposes only and does not constitute insurance, tax, legal, or investment advice. Insurance product availability, features, benefits, underwriting requirements, and pricing vary by state, carrier, age, health, and individual eligibility. All guarantees are backed solely by the claims-paying ability of the issuing insurance carrier. Always consult appropriately licensed professionals regarding your individual situation before making a decision.
3. Consent to Be Contacted
By submitting your contact information through our website, chat widget, forms, or other channels, you expressly consent to be contacted by EQR Life and Evan Richard by telephone, text message (SMS/MMS), email, prerecorded voice, and/or automated telephone dialing systems at the telephone number(s) and email address(es) you provide, even if the number is on a federal, state, or internal Do Not Call list.
Consent is not a condition of purchasing any product or service. You may revoke consent at any time as described below.
4. SMS / Text Messaging Program Terms
The EQR Life SMS program sends informational and conversational text messages related to your insurance inquiry, quote, application, policy status, scheduled appointments, and customer support follow-ups.
- Program Name: EQR Life Customer Communications
- Message Types: Account notifications, appointment reminders, quote and application follow-ups, policy service messages, and customer support replies.
- Message Frequency: Message frequency varies based on your interaction with us. You will not receive recurring marketing blasts unless you specifically opt in.
- Cost: Message and data rates may apply, charged by your mobile carrier in accordance with your plan.
- Opt-In: You opt in by providing your mobile number through our website, chat, intake forms, or by texting our number directly, and by affirming your consent.
- Opt-Out: Reply STOP at any time to cancel. After you send STOP, you will receive a one-time confirmation message and no further texts will be sent unless you opt in again.
- Help: Reply HELP for assistance, or contact us at (305) 331-6906 or [email protected].
- Supported Carriers: Major U.S. wireless carriers. Carriers are not liable for delayed or undelivered messages.
- Privacy: Your mobile information and SMS consent will not be shared with third parties or affiliates for marketing purposes. See the Privacy Policy for full details.
5. Sample Messages
Example of the type of message you may receive:
6. Eligibility
You must be at least 18 years old and a U.S. resident to request a quote, apply for coverage, or enroll in our SMS program. You confirm that the contact information you provide is your own (or that you have authority to provide it).
7. Accuracy of Information
You agree to provide accurate, current, and complete information when communicating with EQR Life or submitting an application. Inaccurate information may affect underwriting decisions, premiums, and the validity of any issued policy.
8. Intellectual Property
All content on this website — including the EQR Life name, logo, text, graphics, layout, and code — is owned by EQR Life or licensed to us, and is protected by U.S. and international intellectual property laws. You may not copy, reproduce, modify, distribute, or create derivative works without written permission.
9. Acceptable Use
You agree not to: (a) use the website or messaging services for unlawful purposes; (b) attempt to gain unauthorized access to any portion of the site or our systems; (c) interfere with the operation of the site; (d) submit false, misleading, or fraudulent information; or (e) use the site to harass, abuse, or harm another person.
10. Third-Party Services
Our website and messaging program use third-party platforms (including CRM, scheduling, hosting, and SMS delivery providers). EQR Life is not responsible for the performance, availability, or content of those third-party services.
11. Disclaimers
The website and services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted, secure, or error-free.
12. Limitation of Liability
To the maximum extent permitted by law, EQR Life, its owner, employees, and affiliates shall not be liable for any indirect, incidental, consequential, special, or punitive damages — including lost profits, lost data, or business interruption — arising from your use of the website, messaging program, or services, even if advised of the possibility of such damages.
13. Indemnification
You agree to indemnify and hold harmless EQR Life and its owner from any claims, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from your violation of these Terms or your misuse of the website or services.
14. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws principles. Any dispute arising from these Terms or your use of the services shall be resolved through binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except that either party may bring a claim in small-claims court. You waive any right to participate in a class action or class-wide arbitration.
15. Modifications
We may update these Terms from time to time. Updates will be posted on this page with a revised "Last Updated" date. Continued use of the website or services after changes are posted constitutes acceptance of the revised Terms.
16. Severability
If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in full force and effect.
17. Contact
EQR Life
Attn: Evan Richard, Owner
Phone: (305) 331-6906
Email: [email protected]