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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Life Insurance for People with Diabetes
When you purchase a life insurance policy, the healthier you are, the lower your premium will be. People with diabetes often believe their chronic condition makes them too expensive to insure or entirely uninsurable. However, life insurers that cover people with diabetes examine how well you manage your condition. If you can demonstrate that your diabetes is under control, you may qualify for insurance, often at better rates than you expect.
The best life insurance companies for people with diabetes provide affordable coverage to clients with various conditions, ages, and income levels. They also insure clients nationwide, have customer service agents who can help explain coverage options, and understand both the life insurance industry and diabetes.
What Is Life Insurance for People with Diabetes?
Life insurance for someone with diabetes is a contract under which that person pays premiums to an insurance company, and when they die, the insurer pays a death benefit to their beneficiary. People with diabetes often face higher insurance premiums, and many companies will not insure them at all. Finding life insurance with diabetes involves working with a company that understands the condition well enough to assess whether it is being managed effectively.
If an applicant can demonstrate through medical examinations, laboratory tests, a complete medical history, and a lifestyle report that their diabetes is controlled and within accepted medical guidelines, some companies will insure them affordably, charging only slightly more than they would charge someone without diabetes.
Who Can Obtain Life Insurance with Diabetes?
Although the initial medical examination process is somewhat more complicated, many companies still insure people with type 1 and type 2 diabetes. Very few companies have no age limit for applicants with diabetes; most do. A common maximum age for qualifying for insurance with diabetes is 65.
How well you control your diabetes and what other coexisting conditions you have may also disqualify you or make the premium too expensive to afford. That is why we have assembled this list of highly reputable insurers that have developed affordable policies for people with diabetes.
How Much Does Life Insurance Cost for Someone with Diabetes?
The cost of life insurance for people with diabetes depends on several factors beyond their personal characteristics, including insulin dependence, blood sugar levels and control, time since diagnosis, smoking history, the type of life insurance they want, and their age when they apply.
For example, term life insurance has much lower monthly premium payments than whole life policies because whole life policies have a cash value. Longer-term policies have higher premiums than shorter-term policies, and men pay more than women.