Life insurance designed to protect your family today, provide living benefits when life changes, and create opportunities for tomorrow.
Built different.
Built for what matters.
Licensed & progressive
Trusted guidance, no pressure
Co-Founder & Licensed Life Insurance Professional.
A different kind of standard.
ABNORMAL was founded by Ricky Randolph Carr and Caitlin Roque as a partnership. Both are co-founders and licensed life insurance professionals based in Sacramento, CA, serving families and professionals across all 50 states with virtual consultations available.
Ricky's work is not about selling policies. It is about building a strategy that protects what matters most and creates options for your future. Most people do not think about life insurance until it is too late. The practice was built around the opposite, having the conversation early, when it is a choice rather than a crisis. Caitlin's perspective, shaped by her father's experience as a living-benefits recipient, is the reason that conversation starts with the family, not the product.
Most families plan for their hopes and hope they never face their fears. The numbers tell a different story about what can happen without a strategy in place.
51%
of Americans carry some form of medical debt, often the result of a single health event draining the plan they thought they had.
6.7M
Americans live with Alzheimer's, a reality that reaches far beyond the one diagnosed and reshapes entire families.
$393K
the average lifetime cost of long-term care. Lasting care demands a plan, not a hope.
Strip away the noise and almost every family plan comes down to the same three what-ifs. Most people protect against one or two, never all three.
The people who depend on your income are left to replace it, and to carry you emotionally while they rebuild at the worst possible moment.
A diagnosis or accident can cut your earning power and drain savings that took decades to build, all while life's bills keep arriving.
Outliving your plan is the quietest risk of all. Income, care, and lifestyle needs can stretch far beyond what you expected to fund.
One well-designed policy has the potential to address all three at once. That is the entire point of what we will build together.
Traditional life insurance protects your family only after you are gone. The approach I build is different: a single strategy designed to work for you in lifeand for the people you love.
A life insurance policy built around living benefits features, designed to provide access to a portion of the death benefit during your lifetime, under qualifying conditions and subject to policy terms.
One policy. Multiple benefits.
Every plan I build is anchored on the same principles, each one designed to give you more control over an uncertain future.
Death benefit protection designed for the family you would leave behind.
Additional coverage designed for specified accidental causes, subject to policy terms.
Cash value with growth potential tied to an index, without direct market exposure.
A plan built to help replace the income your family would rely on.
Protection structured to help your loved ones avoid inheriting your liabilities.
A store of value with growth potential, subject to policy terms and tax rules.
Life has a way of happening while you are busy making other plans. These riders are designed to provide access to a portion of the death benefit during your lifetime, under qualifying conditions and subject to policy terms.
Designed to provide access when a qualifying terminal prognosis is received.
Designed to help when a covered critical health event occurs, subject to policy terms.
Designed to provide accelerated access when a chronic illness qualifies under the policy.
Designed to help when a covered accidental injury qualifies under the policy.
Designed to help when a qualifying cognitive diagnosis is received, where available.
Living benefits are policy riders and features that may provide access to a portion of the death benefit during the insured's lifetime under qualifying conditions, as defined by the policy. Availability, eligibility, and terms vary by policy, state, and carrier.
The assets you build along the way.
Beyond the death benefit, permanent life insurance can be structured as a wealth-building vehicle, one that grows alongside your goals instead of sitting idle.
Indexed strategies do not invest directly in the index. Growth is credited subject to caps, participation rates, spreads, policy charges, and other terms. Not a guaranteed return and not tax advice.
Imagine a store of value you can build, access, and put to work on your own timeline, one designed with the discipline of protection and the optionality of a personal reserve.
Tax-deferred growth potential helps the reserve compound on its own timeline.
Potential to access funds through policy loans and withdrawals, under policy terms.
Put your reserve to work, on a purchase, an opportunity, or a business move, on your terms.
Repay and rebuild, keeping the strategy of protection in place throughout.
Policy loans and withdrawals can reduce the death benefit and cash value, accrue interest, and may have tax consequences if the policy lapses. There is no guarantee of any particular return. All figures and features subject to policy terms.
A single, well-structured policy designed to address dying too soon, becoming ill, and living too long, then built into a reserve that works for you.
Free, no-obligation consultation.
The modern approach to financial protection isn't one-size-fits-all. It's a mindset that treats your plan as an evolving strategy rather than a box to tick.
We start with your goals, then design around them. Not the other way around.
Every recommendation starts with who and what you are protecting.
We think in decades, not months, planning beyond the immediate need.
Flexibility to adapt when life changes, because it will.
Clear structure and honest answers, so you always know what you are buying.
A designed reserve that can move and shift as your life does.
No jargon, no pressure. Just a straightforward process designed to land you on a plan that actually fits your life.
We start with a free, no-obligation conversation about your goals and family.
Together we shape a strategy built around the three risks, not a generic policy.
You get a plan designed to protect your family and build your reserve.
Your strategy evolves with you, and we stay involved for the long run.
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"Absolutely exceeded my expectations."
I couldn't be happier with the experience. Everything was explained clearly, the process was smooth from start to finish, and I never felt pressured. The level of communication and attention to detail was outstanding.
Marcus R., California
"Professional, knowledgeable, and easy to work with."
From the first conversation, I could tell I was in good hands. They took the time to understand what I needed, answered every question I had, and made the entire process incredibly simple.
Danielle M., California
"They made the whole process easy."
I had a lot of questions going in, but everything was explained in a way that actually made sense. The process was straightforward, communication was excellent, and I felt taken care of the entire time.
James T., California
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The families we do it for.
We built ABNORMAL because we have seen, on both sides of the table, what happens when protection is put off, and what becomes possible when it is put in place early. Our goal is not to sell you something. It is to make sure the people who matter most are covered, no matter what tomorrow brings.
"The best time to protect your family is before you need to."
ABNORMAL was built on a different standard, and that standard starts with the people behind it. If you are driven, coachable, and looking to build a meaningful career in financial protection, this might be the opportunity you have been waiting for.
Built together.
Let's protect it.
The best time to plan for what matters is before you need it. Book a free, no-obligation consultation and let's talk about your family, your goals, and the strategy that could make a difference.
Response within 24 hours. No pressure, ever.
