Life Insurance

Made Simple

Because protecting your family should be easy.


There Are 3 Basic Types:


Typically called "TERM", it's the cheapest option and protects you for a specific period of time (usually 20-30 years) to pay off a mortgage or lost future income.


Protects your entire life whether you die tomorrow or past the age of 100, builds cash value that you can use while you're alive.

People use these for the "infinite banking" concept.


Pays out if you're DIAGNOSED with cancer, heart attack, stroke - or even provides disability income if you're unable to work.

Owner of The Richard Agency:

Meet Ashley Richard:

Ashley Richard came into the insurance industry in 2020 with no insurance experience and $0 in her bank account. With unwavering determination, a relentless work ethic, life-changing mentorship and counseling, she is now one of the top insurance brokers in the country. She is passionate about helping families being properly insured having experienced loss in her own family.

She is a single mom that homeschools her two little boys, Cooper and Cam, as well as a huge animal lover and has arguably as many animals as a small zoo. She loves to laugh and travel, seeking out epic adventures with her kids, especially in Alaska.

Her heart is for helping women with traumatic pasts. Ashley loves coaching individuals with a desire for positive change and becoming the best version of themselves.

Things You Should Know:

The Richard Agency is a BROKERAGE. So while we work WITH the best insurance companies to get the best prices and options, we don't work FOR any insurance companies, we work for YOU!

Are You Looking For Something New?

Join our fast growing team of Life Insurance agents across the country!

  • Work from Home

  • No quotas

  • No experience necessary

  • World class training/support

  • Active & passive commission structure

  • Provide a service people genuinely need

  • Pathway to $100k in your first year!

Discover your inner strength and achieve your dreams with personalized coaching

Empowering You to Live Your Best Life

My Approach

I take a collaborative and solution-focused approach to coaching. By working together, we can identify your strengths, overcome obstacles, and create a plan of action to help you achieve your goals.

Find my book coming out soon!

Follow along as Abigail moves through the trials of a difficult childhood and emerges into a life marked by success and self-discovery.

Her path, though strewn with adversity, is also lined with moments of profound achievement, highlighting an inner power that we all possess.

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