About Us

I have been in the insurance industry on the risk management product development side for more than 45 years. This has allowed me to be on the cutting edge of new technology which often comes to me to insure their intellectual property.

Eight months ago, I learned that all antivirus products have a flaw. They cannot detect or contain new "never-seen-before" zero-day viruses. There are over 100 new viruses (malware) created by hackers every month and sent out over the internet by the millions looking for computers like yours. No mater how big or small your business is, your are exposed. That is why some of the world's largest corporations get hacked despite the fact that they have spent millions on cyber security.

I was blessed with the opportunity to be introduced to a product that will change the online safety and security of every person, company, government agency and university, all who are the targets of highly skilled hackers. I was so impressed I engaged with the company who invented it for the CIA in 2010. I have the privilege of being one of the first to bring this anti-hacking solution to the public market. No computer or server that has this solution has ever been hacked in 11 years. I make it available for free for 90 days so you can see how easy it is to never have to worry again about being hacked. Simply go to our website a www.criticalperiodriskmanagement.com

The products and services we offer

Products & Services
Your Antivirus Protection Has A Critical Flaw by Critical Period Risk Management
Not even the best antivirus products can protect your computer and servers against the millions of new viruses released each day.  Every minute  a ...
Recommendations Given (18)
"Lucy is one of the nicest people, with the best food, you will ever want to meet.. She treats..." Read more "Lucy is one of the nicest people, with the best food, you will ever want to meet.. She treats you like family. We were loyal patrons in their San Diego Restaurants for 13 years. Miss them a lot. "
"Excellent and highly knowledgeable service; one of the most dependable insurance firms in..." Read more "Excellent and highly knowledgeable service; one of the most dependable insurance firms in California. Jim Brakke is a exceptional insurance professional."
Recent Activity

Richard from Critical Period Risk Management Answered this on July 17, 2020
Simply stated, none of them. If you don't have "zero-day" protection, no matter how many people and no matter how extensive your cyber security stack, you are still vulnerable because you have to have a damage control fire drill to try to stop the damage. I have the only never-breached, zero-day,... (more) Simply stated, none of them. If you don't have "zero-day" protection, no matter how many people and no matter how extensive your cyber security stack, you are still vulnerable because you have to have a damage control fire drill to try to stop the damage. I have the only never-breached, zero-day, solution on the market today.  We remove the human error factor so CEO's and CSO's can sleep at night.  Application Control provides zero-day, antivirus does not. Our product has been in use secretly by U.S. intelligence agencies since 2014 and has just become available commercially.  Let me know if you are interested.

Richard from Critical Period Risk Management Answered this on July 31, 2018
Most people buy insurance because they like the agent and believe they are knowledgeable and competent (because most people don’t understand insurance). So no one buys from an agent they don’t like. YOU ARE THE PRODUCT YOU ARE  SELLING. Start with your social media network first. Ask them to help... (more) Most people buy insurance because they like the agent and believe they are knowledgeable and competent (because most people don’t understand insurance). So no one buys from an agent they don’t like. YOU ARE THE PRODUCT YOU ARE  SELLING. Start with your social media network first. Ask them to help you spread  the word about what you do. Create a catchy theme like. “No one likes the coverage or price of insurance they are all pretty much the same, but you will like me, so there is an upside for calling me for a quote. “

Richard from Critical Period Risk Management Answered this on June 18, 2018
I would warm the client up to the idea of sharing information by you stating that you respect the confidentiality of all your clients and as standard procedure you use a NonDisclosure and confidentiality Agreement.  Draft one that is client-friendly and sign it and mail it with a request they... (more) I would warm the client up to the idea of sharing information by you stating that you respect the confidentiality of all your clients and as standard procedure you use a NonDisclosure and confidentiality Agreement.  Draft one that is client-friendly and sign it and mail it with a request they bring it with them at your next appointment. 

Michael from Critical Period Risk Management Answered this on June 01, 2018
Sharon,  yes we continue to pay commissions as long as an agent is licensed in good standing with our product insuredsupport.com.    Please contact me directly for further information at  michaelstevenson@insuredsupport.com (more) Sharon,  yes we continue to pay commissions as long as an agent is licensed in good standing with our product insuredsupport.com.    Please contact me directly for further information at  michaelstevenson@insuredsupport.com

Richard from Critical Period Risk Management Answered this on May 31, 2018
STATISTICALLY ONLY 15% OF YOUR EMPLOYEES ARE NOT LOOKING FOR A NEW JOB. It is a sign of the time folks.  Many business owners come from a different time and generation. The easiest way to say it is the labor pool of younger people do not generally have the same dedication, loyalty, commitment or... (more) STATISTICALLY ONLY 15% OF YOUR EMPLOYEES ARE NOT LOOKING FOR A NEW JOB. It is a sign of the time folks.  Many business owners come from a different time and generation. The easiest way to say it is the labor pool of younger people do not generally have the same dedication, loyalty, commitment or desire for longevity  to their place of employment that you once had. Those principles for the most part are moot these days. If you are the typical employer, here is what is happening within your ranks statistically (1) 45% of your employees are not currently looking for another job, but they are willing to speak with a recruiter about new opportunities, (2) 25% of your employees are looking for new opportunities while they are working for you now, (3) 15% are not looking publicly, but are networking privately for new opportunities. (4) ONLY 15% ARE COMPLETELY SATISFIED WITH THEIR CURRENT EMPLOYMENT WITH YOU AND DO NOT WANT TO CHANGE JOBS! Very depressing isn't it when you think about the investment you have to make in training a good employee. Our firm specializes in insuring unemployment risks for child support and alimony payments, so we follow the employment market very carefully.  The above statistics were compiled by LinkedIn.

Richard from Critical Period Risk Management Answered this on April 06, 2018
Often times in business, those that you network with ("Contacts") are not the ultimate end user of your product or service ("Contracts"), therefore networking is a means to an end.  We insure individuals against unemployment and pay their child and spousal support during qualifying periods of... (more) Often times in business, those that you network with ("Contacts") are not the ultimate end user of your product or service ("Contracts"), therefore networking is a means to an end.  We insure individuals against unemployment and pay their child and spousal support during qualifying periods of unemployment.  Divorced moms and dads hear about our product through their family law attorney ("Our Network"). This means our network of over 3,000 law firms that are following us on LinkedIn, are the most important part of our business, but they never directly result in a contract that generates revenue for our business. The revenue generating contract is with their clients who purchase our insurance on their attorneys recommendation. We spend a great deal of money going to bar association and family law events, knowing that there will be no sales.  That is the required investment many business owners have to make to lead to eventual contracts with end users.

Michael from Critical Period Risk Management Answered this on March 11, 2018
We can appoint you as a producer. We have a marketing director in No California. We would be pleased to have you as a producer. We have a national exclusive distribution agreement with the carrier. Call me 310-418-5505 and we will work out the details. (more) We can appoint you as a producer. We have a marketing director in No California. We would be pleased to have you as a producer. We have a national exclusive distribution agreement with the carrier. Call me 310-418-5505 and we will work out the details.

Richard from Critical Period Risk Management Answered this on October 24, 2017
Work the heck out of your LinkedIn contacts and ask them to write an endorsement for you and your company. I send out at least 50 to 100 invites a day to people or organizations who may have an interest in my product. My contact list has grown to over 2,400 connections in just the past 90 days.... (more) Work the heck out of your LinkedIn contacts and ask them to write an endorsement for you and your company. I send out at least 50 to 100 invites a day to people or organizations who may have an interest in my product. My contact list has grown to over 2,400 connections in just the past 90 days. I make a point of posting something once a week to keep my message in front of my contacts. Every legitimate business and business owner has a quality linkedIn site. Check out my two at LinkedIn (Richard S Zizian) and (InsuredSupport.com)

Richard from Critical Period Risk Management Answered this on October 13, 2017
buy locally targeted, demographic matched, ads on Facebook. I got 149,000 hits from targeted FB users in Southern California and spent less than $500. Plus you can boost and edit based upon your own budget of $5 a day if you want (more) buy locally targeted, demographic matched, ads on Facebook. I got 149,000 hits from targeted FB users in Southern California and spent less than $500. Plus you can boost and edit based upon your own budget of $5 a day if you want

Richard from Critical Period Risk Management Answered this on September 30, 2017
Make certain you research the inverter brand being recommended. Also consider an extended warranty on the inverter. It is one of those hidden repair costs that can instantly set up all of your years of savings. The industry suggests that more than 1 million inverters will fail this year alone on... (more) Make certain you research the inverter brand being recommended. Also consider an extended warranty on the inverter. It is one of those hidden repair costs that can instantly set up all of your years of savings. The industry suggests that more than 1 million inverters will fail this year alone on older legacy systems. Inverters have an average life from 8 to 12 years. it can cost from $3000 to $7000 to replace your inverters depending how large your system is.
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