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.
Your information
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Do not include policy numbers, identity documents, or medical or financial information in this form. For questions about your data, contact our team at (855) 436-6552.
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Life Insurance for Smokers
Life insurance premiums depend heavily on health, habits, and lifestyle, so smokers understandably pay much higher rates than nonsmokers. Despite the price, life insurance can still benefit smokers.
If you died unexpectedly, life insurance would financially support family members left without your income.
The best life insurers for smokers offer affordable rates, customizable riders, strong financial stability, and more.
What Is Life Insurance for Smokers?
Simply put, it is life insurance available to people who smoke. Not every insurer covers smokers, and those that do often raise premiums substantially for potential health risks. Most providers classify cigarette smokers, tobacco chewers, nicotine vapers, and marijuana users as smokers.
How Do Life Insurers Know You Smoke?
When applying, you must disclose lifestyle and habit information, including smoking. If a medical exam is required, a physician can determine whether you smoke by testing a blood and/or urine sample for nicotine or marijuana.
How Much More Does Life Insurance Cost for Smokers?
Smokers pay significantly higher premiums than nonsmokers. Although exact prices vary, estimates suggest smokers' life insurance costs 100% to 300% more. Your premium also depends on overall health, age, preexisting conditions, and family history.
Must I Tell a Life Insurer That I Smoke?
Yes. Be as honest as possible on your application, including disclosing smoking habits. Insurers use medical exams to verify application details, so a physician could easily uncover a lie about smoking. If coverage is approved and the insurer later discovers you smoke, it has the right to withhold the death benefit and could cancel the policy entirely.
When Will an Insurer Consider You a Nonsmoker?
Most insurers consider you a nonsmoker after you have stopped smoking for at least a year. To qualify, you cannot smoke at all. One cigarette a month or marijuana every few weeks technically still makes you a smoker and affects your premium.