Life insurance in
Sacramento.
ABNORMAL RESERVE is based in Sacramento, California. Ricky Randolph Carr and Caitlin Roque are licensed life insurance professionals who work with Sacramento-area families and businesses: locally, and by virtual consultation across the country.
Confidential · No obligation · Your pace
What “based in Sacramento” actually means.
It means the people you speak with live and work here. It means the practice is not a national call centre reading from a script, and the conversation you have is with a founder rather than whoever happens to pick up. It means when you refer a family member, you know who they will be talking to.
It does not mean we only work with people in Sacramento. Life insurance is licensed state by state, and ABNORMAL RESERVE works with clients across the United States through virtual consultations, the same conversation, held over video or by phone, subject to applicable licensing and product availability.
And to be clear about what we are not: we do not have offices in other cities, and we will not pretend otherwise. If you are outside Sacramento, you are working with a licensed practice remotely, which is a normal and effective way to do this, but worth saying plainly.
Two ways to meet, one process
Locally, in Sacramento
If you are in the Sacramento area and prefer to meet in person, that is available. Some conversations are simply better held face to face, and we are happy to arrange it.
Virtually, nationwide
Most clients meet by video or phone. It is the same conversation, with the documents shared on screen, and it means you are not limited to whoever happens to be nearby, subject to licensing and product availability in your state.
What the first conversation looks like
- We ask about your situation: who depends on you, what obligations exist, and what you are trying to solve for.
- We explain what is actually available to you, in plain language, including what does not fit.
- You get time to think, take documents away, and ask follow-up questions. Nobody is asked to decide on the call.
- If we think you do not need coverage, we will tell you that instead of selling you something.
Typically 30–45 minutes. No cost, no obligation.
Coverage decisions, explained properly.
Sacramento families, let's talk.
A free, no-obligation conversation with a licensed professional based right here. Bring your questions; leave with clarity.
Sacramento, CA · Serving all 50 states virtually