Disclosures

Effective: June 2026

Who We Are

Ralph S Richardson Insurance Agency is a California insurance agency, operated as a sole proprietorship under the California producer license of Ralph S. Richardson.
Principal place of business: 6342 Bridgewood Dr, Santa Rosa, CA 95409

Ralph S. Richardson holds California producer license 0C67944, with the following lines of authority:

Accident & Health or Sickness
Casualty
Life
Property
Surplus Lines Broker

Our offering is limited to:

Property & casualty insurance (home, condo, and umbrella)
Term life insurance
Fixed and fixed-indexed annuities

Heather Rose is licensed for Property & Casualty.
All life-insurance, annuity, and other non-P&C matters are handled exclusively by Ralph S. Richardson.

You may verify our licenses at the California Department of Insurance website.

The Nature of This Website

All content on this website is general education only. It is not:

Insurance advice
A recommendation of any specific product
An offer to sell insurance
A quote or illustration

Coverage and product availability vary by carrier and are subject to:

Application
Underwriting
Carrier-specific policy forms and terms

We discuss specific products, suitability, and recommendations only in a personal consultation with a licensed agent.

Annuities

We offer fixed and fixed-indexed annuities only. These are insurance products, not securities. They are:

Not FDIC-insured
Not bank-guaranteed
Not deposits or investments

Indexed interest is subject to caps, spreads, and participation rates and does not represent stock-market returns. Surrender charges and liquidity limitations may apply. Annuities are long-term products designed for retirement and income planning.

All guarantees are backed by the financial strength and claims-paying ability of the issuing insurer.

Best-Interest Standard (CA SB 263)

When recommending an annuity, we act in your best interest, meaning recommendations are based on:

Your financial situation
Your insurance needs
Your objectives and time horizon
A reasonable basis for believing the product is suitable and in your best interest

Additional disclosures are provided during the consultation and application process.

If you are 65 or older, a licensed insurance agent may contact you only in response to information you request through this website, consistent with California Insurance Code §787.

We contact you only as you have consented, including:

A scheduled call you book
A callback you request
A reply to your message

You may revoke consent at any time by replying STOP to texts or notifying us by phone or email.
We honor revocation before any further contact.

Nothing on this website authorizes unsolicited or unconsented contact.

How We’re Paid

We are compensated by insurance carriers through commissions when a policy is issued.
We do not charge fees for consultations or quotes.

Additional Information

Coverage, terms, and eligibility vary by carrier and are governed by their underwriting and policy forms.
Additional disclosures may be provided during consultations, applications, and policy delivery.
Please review our California Privacy Notice for information on how we collect, use, and protect personal information.