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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Indexed Whole Life Insurance
Indexed whole life insurance offers lifetime coverage and a cash value account that earns interest based on an investment index chosen by your provider.
Whole life insurance provides lifelong life insurance protection for your family and a cash value component you can access while you are alive. Indexed whole life insurance builds cash value based on an investment index chosen by your insurance company.
Indexed life insurance is best suited to people who want a policy with tax-deferred investment growth and investments with less potential volatility. It does not carry the higher investment risk of other permanent life insurance plans, yet it could still deliver higher returns than traditional whole life insurance. Here is how to decide whether indexed life insurance is right for you.
What Is Indexed Whole Life Insurance?
Indexed whole life insurance has the same features as a traditional whole life insurance policy but differs in how its cash value earns interest. Your policy will provide:
A death benefit for your beneficiaries
Level premiums
Lifelong life insurance protection
A tax-advantaged cash value account
As with whole life insurance, your insurance provider controls the interest rate on your indexed whole life policy. With indexed life insurance, however, your provider changes your interest rate based on the performance of a specific investment index, such as the S&P 500.
Indexed whole life insurance also differs from indexed universal life insurance, which offers index-based cash value growth and also allows you to use the cash value to adjust your death benefit and pay premiums.
Cash value investments are complex and require more management than most tax-advantaged investments. Consult a financial advisor if you are interested in using life insurance to invest.
How Much Does Indexed Whole Life Insurance Cost?
Indexed whole life insurance premiums vary based on several factors, including:
- Your age when you buy the policy
- The death benefit amount
- Gender
- Medical and health history
- Lifestyle risks such as smoking
- Your policy's payment period
Here are examples of monthly premiums for a $500,000 whole life insurance policy paid over 99 years, one of the most common payment periods:
If you want to use life insurance as an investment vehicle but are wary of policies with higher investment risk, an indexed whole life insurance policy is worth considering. Most people, however, get greater value by buying a term life policy and investing separately.
Work with an independent insurance agent or financial advisor to obtain the best coverage for your family.