(760) 247-7990

Mon - Fri: 9:00 - 7:00

Ralph Dickinson Broker, Founder, and Co-Owner of The Term Team EZLife General Agency in Apple Valley CA.

My Financial Services Career began with Pro-Bono Biblical Financial Counseling which I continue to this day. We have been teaching Dave Ramsey’s and Crown Financial Ministries debt freedom concepts for many years now.

As for your Financial Service’s needs, allow me to be your “PERSONAL PROFESSIONAL.” As your “Personal Professional” I will perform quality work, perform my duties in a business-like manner, show respect for you and the job we do for you. I will handle your needs as gracefully as I handle my own! Our distinction and “DIFFERENCE” is not the size of our facility or the number of employees, but in the way we treat, follow-up, and “Hang-In” with our clients for “LIFE.” I handle the fixed products business.

I Serve the communities of Apple Valley, Hesperia, Victorville, Phelan, Wrightwood, Barstow, Helendale, Adelanto, Oak Hills, Lucerne Valley, and Big Bear.

Daniel Lamb Co-Owner of the General Agency Term Team EZLife in Apple Valley CA. We are a group of Financial Planners and Life Agents with various backgrounds of expertise. As a Licensed Registered Representative and Life Insurance Agent, I have been serving the Hi-Desert communities of Victorville, Hesperia, and Apple Valley CA since 1999. I am here to help all of our clients and their unique needs related to their Retirement and Financial Investments. 

My goal is to simply help create a positive future for all of our clients.

As a Dave Ramsey SmartVestor Pro I understand that planning for your Financial Future can be scary and uncertain, especially in today’s economy. But, rest assured, that in our hands we can help clients with all types of backgrounds work toward a successful and happy retirement. We can help you meet or exceed your financial hopes and dreams. At Daniel Lamb Financial we want to help make that dream become a reality for you and your family as well.

As a subsidiary of The Term Team, I endeavor to stay at the forefront of our quickly changing economy and strive to work closely with clients. This is because I am fully committed to meeting and exceeding your expectations. With no one’s future, too big or too small, my goal is to simply help create a positive future for all of our clients.

No matter who or where the customer buys from, even if they call the Insurance Companies directly, the price is the same! The difference is the level of “PERSONAL SERVICE”
The Difference is the Level of Service and Integrity that the Term Team provides:
1.The Team agent that you first talk to is your “Personal Professional” for LIFE.
2.The Team is there for your Life and Financial decisions when you need us.
3.No need or question is “too small” all inquiries and needs are handled equally.
4.Our Management Team backs up and insures quality service to all our clients.


The Term Team was founded to offer a personalized approach to financial health and wellness for idividuals, families and business’ from all walks of life. We are motivated and dedicated to recommit them to financial health and safe money principles practiced and taught from within our company. We genuinely seek to create a healthier and debt fress human race, one person at a time. This through a safe educational environment where learning and growth can happen. The Term Team center responds to the needs of the Idividual in the following ways:

  • By providing assistance through our on-going various educational modalities to those experiencing personal difficulties that are impeding their life and financial health as well as fulfilling their potentials as a company, family or individual;
  • By providing an atmosphere for personal improvement, cost savings, counseling, and renewal;
  • By offering no cost assessments, needs evaluations, counseling, lifestyle direction (change), and education/training on such salient aspects of human living as personal saving, financial management, and Just Paying Attention