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 our prior 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, accuracy, 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. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and EQR Life concerning the website and services, superseding any prior agreements on the same subject matter.
18. Contact
Questions about these Terms, our SMS program, or your account can be directed to:
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