When you call EQR Life, you get Evan.
One licensed broker. Your file never gets handed to whoever is free, because there is no whoever.
One thing, done well.
Evan Richard founded EQR Life to do one thing well: help homeowners make sure a mortgage never outlives the person paying it.
That focus is the whole business. Not fifteen products and a sales board. Mortgage protection, for homeowners, handled personally. Evan quotes every case himself, compares options from multiple insurance companies, and explains the honest trade-offs in plain English.
The model is deliberately small. No call center. No handoffs. No "your agent is no longer with us." The person who picks up the phone on your first call is the same person who helps your family use the policy if that day ever comes.
And because EQR Life is a brokerage rather than one company's sales arm, the recommendation gets built around your health, your mortgage, and your monthly number. If the honest answer is that you don't need coverage, you'll hear that too.
Check the license, not the slogan.
Anyone can write a warm paragraph. These are the parts you can look up.
National Producer Number
NPN 22191176
Evan Richard, licensed insurance producer. Verify any producer's license at nipr.com.
Licensed in 15 states
New Jersey (resident), California, New Mexico, Alabama, South Carolina, South Dakota, Virginia, Texas, Nevada, Wyoming, Maine, Ohio, Missouri, Iowa, and North Carolina.
A real address
EQR Life, LLC
495 Route 70 #1108
Brick, NJ 08723
A direct line
Call (848) 276-7893 and Evan answers. If he's with a client, he calls back. That's the whole phone tree.
The people on the porch.
The paperwork says the client is the homeowner. In practice, the client is everyone who gets to stay if the worst happens. That's who Evan builds coverage for.
If you're between 35 and 70 and in decent health, you likely have real options, and the full benefit can be in place from day one for those who qualify. Start with the quoter or just call.
Fifteen minutes with Evan beats an hour of searching.
Free, no obligation, and you keep the numbers either way.