|| IF YOU MISSED THE STANDARD HEALTH INSURANCE OPEN ENROLLMENT PERIOD – NO WORRIES! CONTACT ME TODAY TO LEARN HOW YOU MAY STILL QUALIFY FOR A SPECIAL ENROLLMENT PERIOD AND GET HEALTH COVERAGE NOW. || || The Medicare Advantage Open Enrollment Period is from January 1st to March 31, 2025. This is when individuals already enrolled in a Medicare Advantage plan can switch to a different plan or return to Original Medicare. ||
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ACCIDENT INSURANCE

ACCIDENT INSURANCE

Only 37% of Americans have enough money saved to pay an unexpected expense of $1000

Steve Turner
Insurance Agent & Broker

Do I Need Accident Insurance?

When accidents happen, and expenses accumulate, Accident Insurance can help you recover financially by providing cash to cover medical and non-medical expenses. Benefits are paid directly to you in addition to what medical insurance pays and can be used for out-of-pocket costs such as co-pays, deductibles, and treatment.

How I Can Help You

MULTIPLE PLAN OPTIONS

With flexible plan options at varying levels of coverage, we let you build the plan that works for you and that includes benefits for:

  • Emergency Treatment
  • Hospitalization
  • Dislocations & Fractures
  • Lacerations
  • Burns
  • Rehabilitation
  • 24-hour Coverage / Off the Job Coverage
  • Accidental Death & Dismemberment
  • … and Much More!

FAMILY COVERAGE

Cover yourself, your spouse, and your children at affordable monthly rates.

  • Emergency Treatment
  • Hospitalization
  • Dislocations & Fractures
  • Lacerations
  • Burns
  • Rehabilitation
  • 24-hour Coverage / Off the Job Coverage
  • Accidental Death & Dismemberment
  • … and Much More!

GUARANTEED FOR LIFE

We know how vital accident insurance is for yourself, your family, and your business. That’s why we offer policies that are guaranteed for life.

  • When you purchase a policy, you lock in affordable rates based on your age, and your rates won’t increase due to age.
  • Your policy is guaranteed renewable year after year as long as your monthly premiums are paid on time.
  • … and Much More!

ACCIDENT INSURANCE FAQ

Accident insurance provides benefits if you suffer a covered accidental injury like a severe burn or broken bone or have to visit an emergency room. It will also cover the diagnostic testing needed to determine if your bone is broken — such as for an x-ray.

Personal accident insurance is designed to provide a lump-sum payout if you suffer a serious injury or death as a result of an accident. It can protect you and your family against loss of income and help them with bills and other expenses.

The payout is designed to cover medical care, pain, and suffering. If an accident causes permanent disability, the payment may be structured to provide funds for the victim to live on. In the event of death, the benefits are paid to the policy’s listed beneficiary.

If an accident results in medical expenses your current health insurance doesn’t cover, accident insurance can be a financial cushion should the unexpected happen. Accident insurance also helps complement disability insurance by allowing you to claim benefits even if your injuries don’t keep you out of work.

It doesn’t include damage due to a lack of upkeep, or that happens slowly over time. For example, if your roof leaks because it hasn’t been looked after. Check your cover to see if accidental damage is included, as you may need to pay a little more to add it.

You’ll have peace of mind knowing your property and its contents are protected. It would be best if you remembered that without accidental damage cover, you’d have to be prepared to pay for the cost of repairs or replacements yourself. If you cannot do that, then accidental damage insurance is worth considering.

AD&D insurance will cover only deaths and injuries from accidents—not natural causes or illnesses. Not heart attacks or strokes. Policies typically cover death or injuries from accidents at work, at home, and while traveling.

A Covered Accident means an Accident that occurs while coverage is in force for a Plan Participant and results in a loss or Injury covered by the Policy for which benefits are payable.

You would use an Accidental Damage cover to make a claim when you’ve damaged your home or contents due to accidental, unexpected mishaps caused unintentionally. However, it would be best to have either Building or Contents Insurance, or both, to make a claim.

By getting both life insurance and AD&D insurance, you can increase the payout loved ones receive in the event of accidental death. Aflac allows you to supplement your life insurance coverage with an accidental-death benefit rider.

WHAT MY CLIENTS SAY ABOUT ME

INSURANCE OFFERINGS

HEALTH INSURANCE

HEALTH INSURANCE
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MEDICARE ADVANTAGE

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MEDICARE SUPPLEMENT

MEDICARE SUPPLEMENT
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PRESCRIPTION DRUGS

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LIFE INSURANCE

LIFE INSURANCE
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DISABILITY INSURANCE

DISABILITY INSURANCE
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DENTAL INSURANCE

DENTAL INSURANCE
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GROUP HEALTH INSURANCE

GROUP HEALTH
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ACCIDENT INSURANCE

ACCIDENT INSURANCE
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CONTACT + SOCIAL

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.

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OFFICE LOCATION

STEVE TURNER INSURANCE SPECIALIST

STEVE TURNER REBC®

14502 N DALE MABRY HWY

SUITE 200

TAMPA, FL 33618

Website: steveturnerinsurancespecialist.com

Email: steve@steveturnerinsurancespecialist.com

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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