ABNORMAL.
PROTECT WHAT
MATTERS MOST.
Life insurance designed to protect your family today, provide living benefits when life changes, and create opportunities for tomorrow.
Built different.
Licensed & progressive
Trusted guidance, no pressure
Built different.
Protection should be personal. Strategy should be intentional. And the people behind it should care about what happens after the policy is placed.
The people behind
ABNORMAL.
Co-Founder & Licensed Life Insurance Professional
Co-Founder & Licensed Life Insurance Professional
Ricky and Caitlin built ABNORMAL around a simple belief: protection should be discussed before a crisis forces the conversation. Their work focuses on helping families and professionals understand their options, protect what matters most, and build strategies for the future.
Life doesn’t send a warning.
Most people plan for what they hope happens. A strong strategy also prepares for what they cannot predict.
51%
of Americans carry some form of medical debt.
6.7M
Americans live with Alzheimer’s.
$393K
average lifetime cost of long-term care.
Three risks worth planning for.
DIE TOO SOON
The people who depend on you may need to replace your income and rebuild without you.
BECOME ILL
Illness or injury can affect your ability to earn while expenses continue.
LIVE TOO LONG
Income, care, and lifestyle needs can extend far beyond the timeline you originally planned for.
A thoughtful strategy considers all three.
Protect today. Build for tomorrow.
Life insurance can be more than a death benefit. Depending on the strategy, it can provide family protection, living-benefit access under qualifying conditions, and cash-value opportunities for long-term goals.
PROTECT
Help protect the people who depend on you.
ACCESS
Living-benefit features may provide access to a portion of the death benefit during qualifying events, subject to policy terms.
BUILD
Permanent life insurance can create cash-value opportunities for long-term financial goals, subject to policy terms and applicable tax rules.
Explore the detail on life insurance, living benefits, wealth building, and the private reserve strategy.
Three risks. One strategy.
We start with what matters to you, identify the risks that could disrupt it, and build a strategy around your goals, family, and future.
Free, no-obligation consultation.
A different standard in financial protection.
Strategy over product
We start with your goals, then design around them.
People first
Every conversation starts with what matters to you.
Built for the long term
We think beyond today’s decision and plan for what comes next.
Transparency by default
Clear explanations, honest answers, and no pressure.
Built together, step by step.
A straightforward process, start to finish.
Discover
We start with a free, no-obligation conversation about what matters to you.
Design
Together we shape a strategy around your goals, your family, and your future.
Protect
Your family is covered, and your strategy starts working for you.
Build
We stay involved as your life changes and your plan grows with it.
There’s a real family behind every plan.
We built ABNORMAL because protection becomes most important when life changes unexpectedly. Our goal is simple: help people understand their options, protect what matters most, and create more choices for the future.
Ricky Randolph Carr & Caitlin Roque
Have questions? Start here.
Plain-language answers about life insurance, living benefits, and financial protection.
What are you protecting?
Let’s protect it.
Book a free, no-obligation consultation to talk about your family, your goals, and what a strategy could look like.
Response within 24 hours. No pressure, ever.