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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Term Life Insurance Policies with Renewable Provisions
A renewable term provision in a term insurance policy allows the beneficiary to extend coverage for a specified period without having to qualify again for new coverage. Renewal is conditional on premium payments being current and the beneficiary paying a renewal premium.
With an annual renewable term (ART) life insurance policy, the initial contract lasts one year and is renewed annually. These policies offer guaranteed insurability for a specified number of years and a level death benefit. Premiums are reassessed each year, and the policyholder will likely pay more as they age. The main reason to choose ART would be a need to obtain short-term life insurance quickly.
Most financial advisors recommend obtaining insurance policies with renewable terms whenever possible. Most term life insurance policies are renewable, but not all.
Renewability is important because a policyholder will generally want to renew a policy when its term ends, assuming their life circumstances have not changed dramatically—for example, their health may deteriorate, making them uninsurable. Renewability allows the policyholder to maintain their current coverage, although probably at a much higher premium, without having to qualify again.
Renewable Term Life Insurance vs. Convertible Term Life Insurance
People often confuse renewable term life insurance with convertible term life insurance. While a renewable term life policy simply allows you to extend your existing coverage, a convertible term life policy means the policyholder can convert term life insurance to a whole life policy at any point during the term or before turning 70, whichever comes first.
The two types of insurance are similar in that the insured does not have to qualify again or undergo additional exams, regardless of their health. They differ in that renewable term life insurance cannot be changed to whole life insurance, while convertible term life insurance can.