A Division of Ryan Ramirez Insurance Agency inc.

Who Needs It? : A series Life Insurance Edition

Who really needs Life Insurance?

  • As a rule of thumb, ultimately anyone who has dependents should absolutely get a Life Insurance policy. A dependent is someone that relies on you financially such as a spouse, child or parent. Life insurance allows your loved ones to continue to live the life you would have wanted.


What is a beneficiary?

  • This is the person who you choose to receive your death benefit. It could be your son, daughter, mother, father, aunt, friend or even your trust. It can even be divided amongst different individuals if you choose.

Does the beneficiary have to take any steps to receive the death benefit?

  • The only action necessary is to notify the life insurance company and they will walk you through the rest.

Are my Life Insurance premiums tax deductible?

  • No, they are not.

Are Life Insurance death benefits taxable?

  • No, the death benefit is 100% tax free.

What can Life Insurance cover when a person becomes diseased?

  • It can cover a variety of things such as income replacement, college expenses for kids, living expenses, mortgages, estate taxes and much more.

What does Life Insurance not cover?

  • Some policies do not cover Disability, Chronic Illness or Long Term Care.
  • Some policies have a Suicide clause.

What are the different types of life insurance?

  • Term life insurance is designed to provide protection for a fixed rate and specific limited time, such as 10, 20 or even 30 years.
  • Permanent life insurance is designed to provide protection for the duration of the insured's lifetime.

How do I choose?

  • Choosing the right type of life insurance is crucial. We can establish an amount, based on your family’s needs and then determine what type based on your monthly budget. No matter the type, it is important to get your family covered.

Start your own personalized life insurance quote straight from our website and we will assist you when needed. Begin your application here.

For any questions, comments or concerns give us a call at (657) 215- 8999 or email at This email address is being protected from spambots. You need JavaScript enabled to view it.



Hawkguard Insurance Services is local independent insurance agency in Temecula CA. We specialize in educating our clients on their insurance options, crafting customized comprehensive insurance plans and providing insurance solutions from some of the nations top insurance providers.

Contact Us

Address: 28545 Old Town Front Street, suite 204
Temecula, CA 92590

Phone: 951-494-7272

Fax: 657-215-8999

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