Ricky Randolph
Ricky Randolph Carr, known professionally as Ricky Randolph, is a Sacramento-based licensed life insurance professional, co-founder and leader of Team Abnormal, and co-founder of ABNORMAL RESERVE. Together with his wife and co-founder Caitlin Roque, he is building organizations centered on leadership, development, and protecting what matters most.
He is focused on building people, organizations, and a life that lasts beyond a title.
Licensed Life Insurance Professional · Sacramento, California

Ricky Randolph Carr · Sacramento, California
My father, Russell Randolph, taught me how to build.
My father, Russell Randolph, was the first African American fire chief in my hometown. I am proud of that distinction, but what shaped me most was watching how he carried responsibility and lived his life.

He taught me to enjoy the life I was given, to chase what I wanted rather than wait for permission, to build something that could outlast me, and to treat people as the point rather than the backdrop.
Most days after school, he asked me the same question:
“What is something new I learned today?”
That question became a foundation for how I live and lead. It taught me that growth is a discipline, that you never arrive, and that what you learn should eventually be passed forward.
Team Abnormal is a leadership organization built through the business of protecting people.
Team Abnormal is the leadership, recruiting, training, and development organization Ricky co-founded and leads. The name represents people willing to think differently, reject the default, and take responsibility for becoming more than they were when they started.
The organization is built on a set of principles that are not slogans. They are the operating rules.
Elevated
Aim higher than the room expects. Treat small work and big work with the same standard.
Disruptive
Do things differently when the conventional way is not good enough. Different with purpose, not for its own sake.
Think Different
Question assumptions. Look for better ways to solve problems, communicate, lead, and serve.
Discipline Over Comfort
Do the difficult thing when nobody is watching. Standards matter most when motivation disappears.
Calculated Risk
Be willing to move when the opportunity requires courage, while understanding the consequences of the decision.
Lead Without Permission
Take responsibility before someone gives you a title.
Standards Over Status
Chase the standard, not the rank.
Built Different
Not a claim of superiority. A description of the way we choose to work, lead, grow, and carry responsibility.

Leadership is not defined by a title. It shows up in standards, consistency, ownership, service, and whether the people around you grow. That is the standard Ricky is building Team Abnormal around.
Team Abnormal
Leadership, recruiting, training, and development through the insurance business.
ABNORMAL RESERVE
A financial protection practice Ricky co-founded with Caitlin Roque, focused on helping families and professionals protect what matters most.
Family
Building a life alongside his wife and co-founder, Caitlin.
Legacy
Developing people, protecting families, creating opportunities, and passing forward what was given to him.
I’m not finished.
I am still learning, growing, leading, and building.
There is more to build, more people to develop, and more work to do. The goal is not simply to create something successful, but something that lasts.
Confidential · No obligation · Your pace
What I do, and what I don’t.
I am a licensed life insurance professional based in Sacramento, California. I work with people across the United States, subject to applicable licensing and product availability.
My work involves:
Professional scope
- Life insurance licensing is the whole of my professional authority. I am not an investment advisor, a financial advisor, a wealth manager, a tax advisor, or an attorney, and I am not a fiduciary. I will not describe myself that way.
- Nothing on this page is a promise about a financial outcome. Protection is something that may fit a need, subject to eligibility and policy terms, and no one can guarantee an approval or a result.
- When a question belongs with an attorney, a CPA, or another professional, I will say so instead of answering it myself.
You can read the detail behind this on our licensing and disclosures page.
Where to go from here.
Meet the Team
Ricky and Caitlin, and how the practice works.
Read moreCaitlin Roque
Co-founder of ABNORMAL RESERVE and Ricky’s wife.
Coming soonLife Insurance
How coverage is chosen and what it protects.
Read moreLiving Benefits
Provisions that may be available while you are living.
Read moreLearn
Plain answers to the questions people actually ask.
Read moreCareers
Team Abnormal training, recruiting, and development.
Read moreBased in Sacramento, California · working with clients across the United States
