|⏳ HEALTH INSURANCE AGENCY |⏳ INSURANCE ENROLLMENT KEY DATES |⏳ MEDICARE PLANS: Annual Enrollment Period (AEP): October 15 – December 7 each year. During this time, you can switch to a different Medicare plan. Initial Enrollment Period (IEP): Around your 65th birthday. |⏳ INDIVIDUAL & FAMILY ACA MARKETPLACE PLANS: Generally November 1 – January 15 for the following year’s coverage. December 15: Deadline for coverage to start January 1. January 1: Coverage begins for those who enrolled by the December 15 deadline. January 15: The final deadline to enroll for coverage that typically begins February 1. |⏳ EMPLOYER SPONSORED PLANS: Enrollment periods are set by your employer and often occur in the fall. |⏳ MEDICAID & CHILDREN’S HEALTH INSURANCE PROGRAM (CHIP): You can enroll at any time of the year. |⏳ SPECIAL ENROLLMENT PERIODS (SEPs): You may qualify for an SEP outside the regular Open Enrollment Period if you have certain qualifying life events, such as getting married, having a baby, or losing other health coverage. |⏳ DON’T WAIT! ASK US YOUR QUESTIONS EARLY! |⏳

Whole Life Vs Term Life Insurance

5 Big Differences – Whole Life And Term Life Insurance?

Life Insurance: Protecting Your Loved Ones

Just as you’d secure your home in Florida with a robust insurance policy, life insurance provides financial security for your loved ones in your absence. Let’s explore the two main types of life insurance: [Whole Life Vs Term Life Insurance]

Whole Life Insurance: Lifetime Protection

Imagine a path as enduring as the Mississippi River – that’s whole life insurance. Also known as permanent life insurance, it offers coverage for your entire life, as long as you continue to pay the policy premiums. [Whole Life Vs Term Life Insurance]

Lifetime Coverage: Like the lasting appeal of the Mall, whole life insurance provides continuous protection for your loved ones, ensuring their financial well-being even when you’re no longer there. [Whole Life Vs Term Life Insurance]
Cash Value Accumulation: Think of it as investing in a prime piece of real estate. Whole life insurance builds cash value over time, growing tax-deferred. You can access this cash value through loans or withdrawals during your lifetime, providing financial flexibility when you need it most. [Whole Life Vs Term Life Insurance]
Tax-Free Death Benefit: Similar to a favorable tax climate, the death benefit is paid to your beneficiaries tax-free. It can be used to cover various expenses, such as estate taxes, debts, or your children’s future education, ensuring a smooth transition for your loved ones. [Whole Life Vs Term Life Insurance]

Advantages of Whole Life Insurance:

Provides lifelong coverage, as long as premiums are paid.
Accumulates a cash value that is accessible through loans or withdrawals.
Offers a tax-free death benefit to your beneficiaries.
It can be used to cover estate taxes or outstanding debts.

Term Life Insurance: Affordable Coverage for a Defined Period [Whole Life Vs Term Life Insurance]

Term life insurance is like renting a comfortable apartment – it provides coverage for a specific period, typically one to thirty years. [Whole Life Vs Term Life Insurance]

Affordability: Term life insurance offers lower premiums compared to whole life insurance, making it a budget-friendly option, much like finding a cozy and affordable apartment in one of many residential communities. [Whole Life Vs Term Life Insurance]
Focus on Coverage: With no cash value accumulation, term life insurance focuses on providing a substantial death benefit during the policy term, ensuring your loved ones are protected during crucial periods, such as raising a family or paying off a mortgage. [Whole Life Vs Term Life Insurance]

Advantages of Term Life Insurance:

Offers economical coverage for a specific period.
Lower premiums due to the absence of cash value accumulation.
Provides a tax-free death benefit to beneficiaries.

Choosing the Right Life Insurance for Your Needs [Whole Life Vs Term Life Insurance]

Selecting between whole and term life insurance is a personal decision, much like choosing between a day of shopping at the Mall or enjoying the natural beauty of the sunset. Whole life insurance offers lifelong protection and cash value accumulation, but comes with higher premiums. Term life insurance offers affordable coverage for a specified period, with a primary focus on the death benefit. [Whole Life Vs Term Life Insurance]

Consider your individual needs, financial situation, and long-term goals when making your decision. It’s like choosing the perfect neighborhood to call home – it depends on your preferences and what you value most. [Whole Life Vs Term Life Insurance]

Need Guidance? I’m Here to Help!

If you have questions about life insurance, don’t hesitate to call me at (813) 388-8373. I’m happy to provide a complimentary needs analysis and help you select the best option for you and your family. Think of me as your local insurance guide, here to assist you in navigating the complexities of life insurance, just like a helpful neighbor offering friendly advice. [Whole Life Vs Term Life Insurance]

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STEVE TURNER INSURANCE SPECIALIST

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STEVE TURNER INSURANCE SPECIALIST

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CONTACT STEVE TURNER INSURANCE AGENT & BROKER

I’m here to take your calls and emails and answer your questions 7 Days a week from 7:00 a.m. to 8:00 p.m., excluding posted holidays.

Steve Turner is a licensed agent, broker, and a longstanding member of the National Association of Benefits and Insurance Professionals^®. Steve holds the prestigious designation of Registered Employee Benefits Consultant^®. NABIP^® is the preeminent organization for health insurance and employee benefits professionals and works diligently to ensure all Americans have access to high-quality, affordable Healthcare, and related services.

Steve Turner is a licensed agent appointed by Florida Blue.

+1.813.388.8373
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STEVE TURNER INSURANCE SPECIALIST

STEVE TURNER REBC^®

14502 N DALE MABRY HWY

SUITE 200

TAMPA, FL 33618

STEVE TURNER INSURANCE SPECIALIST

Description:

I am Steve Turner, a licensed Insurance Agent and licensed Insurance Broker. My number one goal in life is to help people and ensure, without a shadow of a doubt, that you and your family are secure and protected. I will always be by your side, helping you mitigate risk by providing the industry’s best and most affordable insurance solutions. I provide the following Insurance products for All Stages of Your Life: Accident Insurance Plans, Dental Insurance Plans, Disability Insurance Plans, Group Health Insurance Plans, Health Insurance Plans, Life Insurance Plans, Long Term Disability Plans, Medicaid, Medicare, Medicare Part A, Medicare Part B, Medicare Part C, Medicare Part D, Medicare Plan G, Medicare Plan N, Medicare Advantage Insurance Plans, Medicare Supplement Insurance Plans, and Prescription Drug Insurance Plans. Visit my website to schedule a chat or ring me anytime.

Email: [email protected]

Address:

14502 N Dale Mabry Hwy, Suite 200, Tampa, Florida, 33618, United States, {gps}

Hours:

Monday, Tuesday, Wednesday, Thursday, Friday, Saturday, Sunday7:00 am – 8:00 pm

Sales: +1-813-388-8373

: +1-813-388-8373

Legal Name: Steve Turner Insurance Specialist

Founding Date: 2016-01-01

NAICS Code: 524210

Website: steveturnerinsurancespecialist.com

Email: [email protected]

Phone and Text: +1.813.388.8373

Business Hours:

Monday: 7 am to 8 pm

Tuesday: 7 am to 8 pm

Wednesday: 7 am to 8 pm

Thursday: 7 am to 8 pm

Friday: 7 am to 8 pm

Saturday: 7 am to 8 pm

Sunday: 7 am to 8 pm

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Whole Life Vs Term Life Insurance

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Whole Life Vs Term Life Insurance