Retirement Insurance Services, Inc.

BOB PERKIN has testified in Sacramento before the State Senate Finance Committee on Medicare Supplement Law. His testimony prevented proposed legislation that could have been detrimental to Medicare beneficiaries. He has been a featured radio speaker on Medigap issues. He was formerly a scientist and has specialized in the Medicare Supplement business for over 40 years.

Lic. #0612684.


ELLA FOX (President) graduated with honors from U.C. San Diego, with a degree in economics. As the daughter of Bob & Janet Perkin (Founders) she grew up in the business and has over 20 years' experience specializing in the Senior Health Insurance Market. She is an expert on Medicare Parts A, B, C, and D. She has served on Medicare Supplement Advisory Councils across the country. As the President of a Company that specializes exclusively in Medicare options, Ella is always alert to any changes in Medicare Legislation and how these changes affect Medicare Beneficiaries.

Lic. #0C61787.


JANET PERKIN did post-graduate studies at Cambridge University, England. She is a member of the Senior Resource Association. She was formerly a scientist and has over 40 years' experience helping Medicare beneficiaries with their insurance needs.

Lic. #0612683.


CATRINA MORGAN graduated on the President's List from Cal Poly, San Luis Obispo, with a degree in Nutrition Science and a Minor in Biology. Catrina is an expert on Medicare Supplements and Medicare Prescription Drug Plans and has outstanding experience dealing with both Medicare and the Insurance Companies. Catrina is a member of the Partnership to Protect Medigap. She gives service that is unmatched in the Medicare Supplement market.

Lic. #0H12831.


JENNIFER THOMPSON, Licensed Representative, is a Medicare Supplement specialist and also has years of experience analyzing Medicare Part D Prescription Drug Plans. She is patient, kind and detail-oriented. Jennifer always ensures that our clients are on the most cost-effective Medicare Prescription Drug Plan, after doing a personalized review of all plans available. Over the years, she has saved Medicare Beneficiaries thousands of dollars in prescription costs.

Lic. #0J00444.



In August, 2019, we celebrated our 40th anniversary specializing in Senior Health Insurance.

Quality healthcare and prescription coverage are very important for seniors. Consequently, the choice of the right expert is critical. When it's something as important as your medical and prescription coverage, it is crucial to identify and then trust your transaction to the very best. Here's why you should choose us:

A Focus on Medicare Supplements: There are very few businesses in California specializing exclusively in this field. The last five years have brought unprecedented changes in Medicare Legislation. We will be available in the future years if you would like to contact us with any questions regarding changes to Medicare.

An Independent Approach:  Medicare Supplement premiums vary widely across the more than 30 companies that offer them in California. We are independent and not tied to any one Company. Premiums vary based on age, county or zip code, length of time on Medicare, and, in some cases, tobacco use. We are independent and will find the best plan and best rate for you from the leading Companies in the field.  

Knowledge, Integrity, Service : Whether a small issue with billing or a claim problem, we are readily available to help you and will respond quickly and efficiently to your service needs.

We are Here to Help You Into Your 90s And Beyond: Our Family Business has continuity through our Second Generation. We celebrated our 30th anniversary in August, 2009, and will continue to be here for you when you need us most.

  • Free Service: Our services are completely free to you!

Call today: 1-800-233-2747

Privacy Notice

This privacy notice discloses the privacy practices for This privacy notice applies solely to information collected by this web site. It will notify you of the following:

  1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
  2. What choices are available to you regarding the use of your data.
  3. The security procedures in place to protect the misuse of your information.
  4. How you can correct any inaccuracies in the information.

Information Collection, Use, and Sharing

We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to ship an order.

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.

Your Access to and Control Over Information

You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:

  • See what data we have about you, if any.
  • Change/correct any data we have about you.
  • Have us delete any data we have about you.
  • Express any concern you have about our use of your data.


We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at 800 233-2747 or via email at

Home COntact Us About Us Priovacy Testimonials Toll Free 1-800-233-2747
American Retirement Insurance Services, Inc. is a licensed health insurance agency (CA Lic. No. 0759222). We have specialized in Medicare Supplements since 1979. We are not affiliated with any government agency. See “About Us” for more information.
American Retirement Insurance Services, Inc.© Copyright 2007, All Rights Reserved              Web Designed by