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LIFE INSURANCE

Life Insurance Plans | Hillsborough County FL

5 out of every 10 Americans die each year lacking any life insurance

Steve Turner
Insurance Agent & Broker

Do I Need Life Insurance?

Life Insurance

Roughly 5 out of every 10 Americans die each year lacking any life insurance. Don’t let your family become homeless on top of losing you. Contact me, and I will explain the many life insurance options available at every stage of your life.

Life insurance is integral to a solid financial plan and can help you accomplish many objectives. Please take a look at your long-term financial outlook. Without your contributions, would your family be able to meet their goals? Get peace of mind today with Life Insurance protection.

How does Life Insurance work?

In its most basic form, when you purchase a life insurance policy, you agree to pay premiums in exchange for coverage in the form of a death benefit to your designated beneficiaries. You can customize your policy through policy features and benefits based on your financial needs and goals.

Term Life or Whole Life Insurance?

There are two main types of life insurance: term life and whole life. It is common to question which kind of insurance is right for you. In the end, the question that should be answered is: Which one best meets your needs?

How I Can Help You

Life Insurance

Term Life or Whole Life Insurance?

There are two main types of life insurance: term life and whole life.

You are expected to question which kind of insurance is right for you.

Ultimately, the question that should be answered is: Which one best meets your needs?

Let’s protect your family! It’s a lot more affordable than you think.

Why Consider Term Life Insurance?

  • Cost-effective coverage compared to whole life.
  • Ideal for coverage for a specific period.
  • Supplement whole life insurance.
  • It can be renewed at annually increasing rates without proving insurability.
  • Option to convert to whole life insurance later.
  • Income tax-free death benefit.

Why Consider Whole Life Insurance?

  • Lifetime coverage is available as long as premiums are paid.
  • Tax-deferred growth of policy cash values.
  • Liquidity through policy loans.
  • It can help supplement retirement income.
  • A stable financial asset on your balance sheet.
  • Income tax-free death benefit.

Life INSURANCE AGENT AND BROKER NEAR ME

Life Insurance

As your Life Insurance Agent and Broker, my goal is to “help you” and ensure, without a shadow of a doubt, that you and your family are secure and protected from risk. As a licensed Life Insurance agent, I take the burden off your shoulders by custom-tailoring Life Insurance packages to fit your needs.

I can help you save on severe medical emergencies and find a Life insurance plan that offers low- to no-cost doctor visits and prescription medication. I will show you plans where your doctors are in-network and a side-by-side comparison of your prescription costs with the different plans.

Life insurance is constantly changing, and I work tirelessly to stay informed about the latest developments in the market.

I am a long-standing National Association of Benefits and Insurance Professionals® (NABIP.ORG) member and hold the prestigious Registered Employee Benefits Consultant® designation (https://nabip.org/professional-development/rebc-designation). I can provide information on your market’s availability and any expected changes.

After you choose your Life Insurance plan, I provide ongoing support all year; you won’t have to call an (800) number any longer.

If you have any questions, issues, or concerns about your plan’s benefits, you can contact me via phone, text, or my simple-to-use email contact form using the buttons below.

Steve Turner, Your Helpful Licensed Agent and Broker

FAQ

Life Insurance

  • Do I need life insurance?
  • How do I buy life insurance?
  • What is the “free to look” period?
  • Is it true that some companies won’t turn applicants down?
  • What’s the difference between term and permanent life insurance?
  • What does “fully paid up” mean on a permanent life insurance policy?

[Life Insurance]

Life insurance applications generally require personal and family medical history and beneficiary information. You may need to take a medical exam and disclose any preexisting medical conditions, history of moving violations, DUIs, and dangerous hobbies (such as auto racing or skydiving). [Life Insurance]

  • Review Your Insurance Needs.
  • Decide How Much Coverage You Need.
  • Assess Your Current Life Insurance Policy.
  • Compare The Different Kinds of Insurance Policies.
  • Be Sure You Can Afford the Premium Payments.
  • Have an Insurance Agent Help You Evaluate the Future of Your Policy.
  • Keep Your Current Policy.
  • Understand Renewal Policies
  • Read Your Policy Carefully
  • Review Your Life Insurance Program Every Few Years

[Life Insurance]

Life insurance may not be worth it if you have no dependents, have a tight budget, or have other plans for providing for them after your death. [Life Insurance]

Misrepresenting your health condition can result in incorrect premium calculations. Insurers set premiums based on the risk associated with an applicant’s health. Concealing information may initially lead to lower premiums, but it could lead to higher costs in the long run or policy cancellation. [Life Insurance]

A whole life policy is said to “mature” at death or the maturity age of 100, whichever comes first. To be more exact, the maturity date will be the “policy anniversary nearest age 100”. The policy becomes a “matured endowment” when the insured lives past the stated maturity age. [Life Insurance]

It typically consists of two parts: a questionnaire and a physical exam. The examiner will often come to your home or office and perform a short physical examination, including essential height and weight measurements, checking your vital signs, pulse and blood pressure, and taking blood and urine samples. [Life Insurance]

Buying life insurance protects your spouse and children from the potentially devastating financial losses that could result if something happened to you. It provides economic security, helps to pay off debts, helps to pay living expenses, and helps to pay any medical or final payments. [Life Insurance]

We have seen claims denied for failure to disclose the use of a seasonal allergy inhaler, substance abuse treatment, and even the insured’s height and weight measurements. The most common lie told on life insurance applications is the use of nicotine. [Life Insurance]

They can include engaging in risky hobbies and behaviors like skydiving, having a history of DUIs or speeding tickets, having a dangerous job like roofing, having a criminal record or a less-than-ideal financial history, being a smoker, and failing a drug test. [Life Insurance]

REVIEWS + LOCATION

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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.

EMAIL ME: 24×7


OFFICE LOCATION

STEVE TURNER INSURANCE SPECIALIST

STEVE TURNER REBC®

14502 N DALE MABRY HWY

SUITE 200

TAMPA, FL 33618

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

SERVICE AREA – USA

The United States: Facts and Top Visitor Sites

The United States of America is a vast and diverse country encompassing a wide array of cultures, landscapes, and iconic landmarks. Here are some key facts and top attractions:

Facts about the USA

The United States is a vast and diverse country, offering a rich tapestry of culture, history, and natural beauty. Here is a comprehensive overview of key statistics and top visitor attractions across the nation.

Key U.S. Statistics and Economic Overview

The United States is a global leader in population, economy, and innovation, attracting people from all over the world.

  • Population and Demographics: As of 2025, the U.S. population is projected to be over 343 million people, making it the third most populous country in the world. The population is diverse, with a significant Hispanic and Latino population that accounts for a large portion of the recent growth. The median age is around 39 years, and a growing segment of the population is over 65, reflecting an aging nation.
  • Geography: Third largest country by land area, behind Russia and Canada. It stretches across 3.8 million square miles and boasts 4 million miles of roads.
  • National Parks: 63 national parks across the nation.
  • Government-owned Land: 37% of the land is owned by the government (federal, state, and local).
  • Diversity: The US is a diverse country, with a growing non-white population. Non-Hispanic white people currently make up the largest ethnic group, but their share of the population has decreased over time. The Hispanic population has seen the most significant growth, increasing by 23% between 2010 and 2020.
  • Languages: While English is the primary language, Spanish is the most common non-English language spoken at home, followed by Chinese and Tagalog.
  • Aging Population: Americans are living longer, with the 65 and older population increasing significantly.
  • Economy & Key Industries: The U.S. economy is the largest in the world by nominal GDP. Its economic strength is built on several key industries:
    • Financial Services: This sector is a global powerhouse, centered in cities like New York, with major hubs for banking, insurance, and investment.
    • Technology and Information Technology (IT): The U.S. is a world leader in technology, with major tech hubs in Silicon Valley, Austin, and Seattle, driving innovation in software, hardware, and digital services.
    • Healthcare and Social Assistance: As the largest private employment sector in the country, healthcare is a massive industry with a high demand for skilled workers and ongoing innovation.
    • Manufacturing: The U.S. manufacturing sector is a backbone of the economy, producing everything from automobiles and aerospace components to medical equipment and consumer goods.
  • Work from Home Trends: More Americans are working remotely compared to pre-pandemic times. In 2022, 15% of Americans worked from home, up from 6% in 2019. 

Top Places for Visitors to Explore in the USA

The United States offers an incredible variety of destinations, from iconic cities to breathtaking national parks.

  • New York City, New York: A global icon, New York City is famous for its vibrant culture, world-class museums, and iconic landmarks. Visitors can explore Times Square, see a Broadway show, visit the Statue of Liberty, and walk through Central Park. The city offers an endless array of dining and shopping experiences.
  • The Grand Canyon, Arizona: A breathtaking natural wonder carved by the Colorado River, the Grand Canyon National Park is a must-see. Visitors can take in panoramic views from the South Rim, hike into the canyon, or take a helicopter tour for a unique perspective.
  • Las Vegas, Nevada: Known as “The Entertainment Capital of the World,” Las Vegas is famous for its casinos, luxury hotels, and spectacular live shows. The Las Vegas Strip is a bustling boulevard with unique attractions and a vibrant nightlife.
  • Orlando, Florida: The “Theme Park Capital of the World,” Orlando is home to some of the world’s most famous attractions, including Walt Disney World Resort and Universal Orlando Resort. It is a top destination for families and anyone seeking a thrilling, magical vacation.
  • Washington, D.C.: The nation’s capital is a city of history and monuments. Visitors can explore the National Mall, which connects the Lincoln Memorial, Washington Monument, and the U.S. Capitol. It’s also home to the Smithsonian Institution’s world-class museums.
  • Yellowstone National Park, Wyoming: As the first national park in the U.S., Yellowstone National Park is a marvel of geothermal activity and wildlife. It is home to the famous Old Faithful geyser, the Grand Prismatic Spring, and a wide variety of animals, including bison, bears, and wolves.
  • San Francisco, California: This iconic city on the West Coast is famous for the Golden Gate Bridge, its historic cable cars, and diverse neighborhoods. Visitors can explore Fisherman’s Wharf, Alcatraz Island, and the beautiful Golden Gate Park.
  • Hawaii: The state of Hawaii is an archipelago in the Pacific Ocean known for its stunning natural beauty, volcanic landscapes, and rich Polynesian culture. Visitors can relax on beautiful beaches, hike through lush rainforests, and explore the Hawaii Volcanoes National Park on the Big Island.
  • Great Smoky Mountains National Park, North Carolina/Tennessee: The Great Smoky Mountains National Park is the most visited national park in the U.S. and is known for its beautiful mountains, diverse plant and animal life, and rich Appalachian culture.
  • New Orleans, Louisiana: This historic city on the Mississippi River is famous for its unique blend of cultures, live music, and vibrant festivals. The French Quarter is a lively neighborhood with historic architecture, delicious Creole cuisine, and jazz clubs.

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