Tell us what matters today.
We talk about your family, your commitments and the goals you want to protect. We also discuss the questions that have kept you from making a decision.
Life insurance and retirement planningYOUR LIFE DESERVES
YOUR LIFE DESERVES
A FUTURE WELL PLANNED.
PARTNERS FOR LIFEProtection for your life.
Protection for your life.
Clarity for your decisions.
Life insurance, retirement planning and guidance in your language. Understand your options and make decisions with the people who matter most in mind.
Your story comes first. Your options, clearly explained.
Over 30 yearsof insurance experience
Spanish-speaking supportso you can decide with confidence
CA · TX · AZ · NVthe states where we support you
PROTECTION WITH PURPOSEWhat matters to you changes.
What matters to you changes.
Your protection can change, too.
Starting a family, approaching retirement or reviewing a policy: every stage brings different questions. We help you put them in perspective.
PARTNERS FOR LIFE · ALWAYS CLOSEClose to you.
Close to you.
Part of your future.
A conversation in your language.
Support for every stage.
CaliforniaTexasArizonaNevada
HOW OUR SUPPORT BEGINSFrom your questions
From your questions
to your next step.
A clear process so you know what to expect from our first conversation.
Understand your options with us.
We explain coverage, costs and conditions in plain language, so you can compare and ask questions with confidence.
Work out what comes next.
We help you identify your next step based on your needs and the available options. With the information in front of you, the decision is yours.
How we support youAn honest conversation.
An honest conversation.
Personal support.
Before discussing a policy, we want to talk about you: the people who depend on you, your commitments and your hopes for the future. We explain your options at your pace, with support in Spanish, so you understand both the benefits and the conditions.
Free resourcesMore knowledge.
More knowledge.
Better questions.
Ideas for your futureYour real life.
Your real life.
Conversations that matter.
You do not need
all the answers.
Just a starting point. Tell us what concerns you, what you want to protect and what you hope to build.
Our servicesClear options.
Clear options.
Confident decisions.
Your situation, priorities and goals are our starting point.
Where should I start?
I want to protect my family financially
We can discuss your needs and explain your life insurance options. Coverage and availability depend on each policy and the insurer’s evaluation.
I want to prepare for retirement
We will review your goals and explain how annuities work, including their terms, costs and limitations.
I have a policy and need guidance
Tell us your questions so we can arrange a review with our team.
Partners for LifeA relationship that continues
A relationship that continues
after you choose your policy.
We are an independent insurance agency. We support you with information, resources and guidance.
By your side, step by step.
With over 30 years of insurance experience, we put conversation and understanding at the center of our work.
We serve California, Texas, Arizona and Nevada, with an office in Riverside, California.
Listen · Explain · Support
Explore your options at your own pace.
Learn with usFewer doubts.
Fewer doubts.
More clarity for your future.
Articles organized around the topics that matter to you.
Free resource libraryYour future, explained
Your future, explained
in plain language.
Two guides to help you start understanding life insurance and annuities.
Free guide
Life insurance 101
A starting point to help you bring better questions to your next conversation.
Understand the essentials.
An introduction to the basics, the options and the questions you can discuss with your advisor.
We are here to listenLet’s talk about what
Let’s talk about what
matters most to you.
Leave your details or contact our team directly.
Call Partners for Life
(855) 436-6552
Visit us in Riverside
3359 Chicago Ave, Suite A
Riverside, CA 92507
Contact us to arrange your visit.
Spanish-speaking support
California · Texas · Arizona · Nevada · Florida · Georgia · Kentucky
And more states. Ask about availability in yours.
Let’s stay in touch
Partners for Life AcademyA place to
A place to
keep learning.
Access your training content in a dedicated area, separate from client services.
Your training, all in one place.
Learn how to access the academy and ask our team about the available content.
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What Should I Do About My Life Insurance After a Cancer Diagnosis?
If you are diagnosed with cancer and have life insurance, it is natural to have many questions about how this will affect your policy. Here is a guide to what to do and what to expect:
What should I do about my life insurance if I am diagnosed with cancer?
- Review your policy: First, read your life insurance policy carefully. Look for information about exclusions, critical illness coverage, and any provisions related to cancer.
- Contact your insurer: Inform your insurer about your diagnosis. They will guide you through the next steps and explain your coverage details.
- Gather your medical documentation: Organize all medical reports, diagnoses, and treatments you receive. This documentation will be needed for any dealings with the insurer.
What happens to the life insurance I already had?
In general, a cancer diagnosis does not automatically cancel your existing life insurance policy. If you purchased insurance before being diagnosed, the insurer is required to maintain coverage under the contract's terms.
Will my premium increase?
No, the insurer cannot increase your premium once you have purchased the policy, even if you are diagnosed with a serious illness such as cancer. The premium is set when you purchase coverage, based on your age, health, and other factors at that time.
What if I can no longer afford the insurance?
If you are facing financial hardship and cannot continue paying premiums, you have several options:
- Surrender value: Some whole life policies accumulate a surrender value. You can choose to cancel the policy and receive this amount, although doing so means losing coverage.
- Policy loan: If your policy has cash value, you can take out a loan using that value as collateral. However, an unpaid loan will reduce the death benefit.
- Reduced coverage: In some cases, you can reduce the amount of coverage to lower the premium.
- Grace period: Some policies offer a grace period during which you can make a late payment without the policy being canceled. Check your policy's terms to find out whether you have this option.
Is there a policy that covers being unable to pay premiums because of illness?
Some policies or additional coverages can help if illness leaves you unable to pay premiums:
- Waiver of premium for disability: This coverage waives the insured person's premium payments if they become disabled because of illness or an accident. Reviewing the policy's conditions and definition of "disability" is important.
- Health insurance with cancer coverage: Although these are not life insurance policies, some health insurance plans offer specific cancer coverage, which may include payment for treatments and other medical expenses.
Important:
- The right to be forgotten after cancer: Some countries have laws protecting cancer survivors from discrimination when purchasing insurance and other financial services. Learn about the laws in effect in your country.
- Professional guidance: If you have questions about your life insurance or need advice on managing your situation, seek help from an insurance broker or financial advisor.
Remember that every policy is different, so reviewing your contract's terms and conditions and contacting your insurer for information specific to your case is essential.