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LIFE INSURANCE
Pinellas County FL

Life Insurance Plans | Hillsborough County FL

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

Steve Turner
Insurance Agent & Broker
Serving Pinellas County, Fl

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 Pinellas County FL

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 Pinellas County FL

As your Life Insurance Agent and Broker in Pinellas County, FL, 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

EMAIL ME MOBILE / TEXT

FAQ

Life Insurance Pinellas County Fl

  • 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 Pinellas County Fl]

Life insurance applications in Pinellas County, Florida, 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 Pinellas County Fl]

  • 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 Pinellas County Fl]

Life insurance in Pinellas County, Florida, 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 Pinellas County Fl]

In Pinellas County, Florida, 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 could lead to higher costs in the long run or policy cancellation. [Life Insurance Pinellas County Fl]

A whole life policy in Pinellas County, Florida, 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 Pinellas County Fl]

In Pinellas County, Florida, 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.

Buying life insurance in Pinellas County, Florida, 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 Pinellas County Fl]

In Pinellas County, Florida, 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 Pinellas County Fl]

In Pinellas County, Florida, 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 Pinellas County Fl]

To learn more about this topic, please click on the related service link below:

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Health Insurance

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Medicare Advantage Insurance

Medicare Supplement Insurance

Prescription Drug Insurance

Retirement

WHAT ME CLIENTS SAY ABOUT ME
Pinellas County, Florida

Map to Get to Steve Turner Insurance Specialist Office

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Life Insurance Pinellas County FL

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Pinellas County, Florida

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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
7-DAYS | 7AM – 8PM
BOOK A CALL
24 x 7

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

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