Banner Life
John Hancock

How to Start.

4 Easy Steps

1. Estimate

Judge how much life insurance you need. If you know how much life insurance you want, go to the next step.

Do you prefer a more methodical process to calculate the amount of life insurance you need? If so, go to our Estimate Your Need page and use the “Life Insurance Needs Worksheet” to figure out how much you need. If you would like help to determine how much life insurance you need, call or send a text to 713-320-6124

  2. Quote

Click on the orange compare quotes button. Enter your information. Within seconds you will have a quote to compare life insurance companies, policies, and prices.

3. Apply  –

After you complete the online quote form, Van Richards, ChFC® will contact you to guide you through the application process.

4. Buy

The life insurance company you choose will review your application. Once everything is in order, you pay for your policy and receive a copy for your records. Plus, you get a customer satisfaction guarantee.

Click the orange compare quotes button to get started.

Or read below to learn about our customer satisfaction guarantee.

Customer Satisfaction Guarantee

3 promises to clients.


Our company will respond promptly to your request. We pledge to treat you with honesty and fairness before and after you purchase life insurance.


We will not sell your information. All communications will remain private unless we are compelled by law.


After you pay for your life insurance policy, you have a 30 day money-back guarantee. No questions asked.