Barbara has been in the financial services industry since 1994. She has lived by these three rules: 1) Never say never, 2) Expect the Unexpected, and 3) the only constant in life is change – which has helped guide her through many phases of her life and her business. Barbara’s background is in administrative, healthcare, and marketing – but she started with ACA in 1997.

“Too many of my people see life insurance as nothing more than another bill to pay. We don’t know what the future holds. But a proper life insurance strategy with living benefits can help us prepare for the unexpected.” A tax-free retirement nest egg motivated Chereace Richards and her husband, Stan, to begin investing heavily in life insurance 12 years ago.

“Remove your limitations in your head and the ones that we allow others to put on us. You can step outside of that box and make sure we attach our self-worth to our intentions, not our abilities.”

Capitalize on low hanging fruit to identify a ballpark value added activity to beta test. Override the digital divide with additional clickthroughs from DevOps. Nanotechnology immersion along the information highway.

Capitalize on low hanging fruit to identify a ballpark value added activity to beta test. Override the digital divide with additional clickthroughs from DevOps. Nanotechnology immersion along the information highway.