Life and health insurance don’t have to feel overwhelming. Let’s find out what matters to you, explore your options, and take the next step at your pace.
For the life
you’re building.
And the people
you love.
Explore the coverage categories below, then ask about options for your goals, budget, and state.
This is an educational coverage guide. Listing a category does not confirm that The Stevens Agency currently offers every product. Availability and assistance depend on state licensing, active carrier appointments, required certifications, and insurer rules. We’ll confirm what is available before quoting or applying.
Life insurance for a chosen period, often used for income protection, a mortgage, or years when family needs are greatest.
Coverage ends at the end of the term unless renewal or conversion is available. Costs and conditions may change.Ask about this coverage ↗Permanent life insurance with policy guarantees and cash value features for longer-term protection.
Premiums must be paid as required. Dividends, when available, are not guaranteed.Ask about this coverage ↗Permanent life insurance with flexible features and potential interest credits linked to an index, subject to policy rules.
You do not invest directly in the index. Caps, participation rates, costs, and surrender charges apply. An index floor does not prevent cash value loss from charges; additional premiums may be needed. Illustrations are not guarantees.Ask about this coverage ↗Permanent coverage with flexible premiums and death-benefit features, depending on the contract.
Enough funding is required to cover charges. Guarantees may depend on specific premium and timing requirements.Ask about this coverage ↗Life insurance intended to help beneficiaries with funeral costs and other end-of-life expenses.
Some policies have waiting periods or limited early benefits. Review the benefit schedule and exclusions.Ask about this coverage ↗Life insurance intended to help your beneficiary manage a mortgage after an insured homeowner dies.
This is not homeowners insurance or PMI. Disability and unemployment are not automatically covered.Ask about this coverage ↗Learn about standalone coverage for children or a child term rider on an adult policy.
Coverage amounts, eligibility, conversion options, and rider costs vary.Ask about this coverage ↗Coverage for specified accidental death or injury events, as a standalone policy or a rider where available.
AD&D has specific covered-loss definitions and exclusions. It does not replace life insurance covering death from illness.Ask about this coverage ↗Certain life insurance riders may allow early access to a portion of the death benefit after a qualifying illness or condition.
Riders are not separate comprehensive health or long-term care insurance. Eligibility rules, charges, and benefit reductions may apply.Ask about this coverage ↗Understand major medical coverage, including doctor visits, prescriptions, hospital care, and preventive services under the plan.
Compare networks, deductibles, copays, coinsurance, covered services, and enrollment eligibility. Marketplace assistance requires applicable authorization and certification.Ask about this coverage ↗Explore coverage for dental care, eye exams, and eyewear according to the plan’s benefit schedule.
Networks, waiting periods, annual maximums, frequency limits, and exclusions may apply.Ask about this coverage ↗Coverage that may replace part of your income when a covered illness or injury prevents you from working.
The disability definition, waiting period, benefit amount, occupation, and benefit duration matter.Ask about this coverage ↗Limited-benefit insurance that may pay for specified diagnoses or events, depending on the contract.
Only listed conditions and qualifying events are covered. These policies supplement, rather than replace, comprehensive health coverage.Ask about this coverage ↗Supplemental coverage that pays defined benefits for qualifying hospital stays or accidental injuries.
Payments follow the policy schedule and may not match actual medical bills. This is not major medical insurance.Ask about this coverage ↗Learn about coverage for qualifying care needs at home or in a care setting, through standalone or qualifying hybrid policies.
Benefit triggers, elimination periods, covered settings, limits, inflation options, and premiums vary.Ask about this coverage ↗Learn the distinctions between Medicare Supplement (Medigap), Medicare Advantage, and prescription drug coverage.
Enrollment assistance is subject to required certifications and carrier appointments. Medigap and Medicare Advantage are different options; this agency is not affiliated with Medicare or the government.Ask about this coverage ↗
ANDREA STEVENS • OWNER & BROKERI’m the owner of The Stevens Agency and an independent insurance broker. My approach starts with listening: the people you care about, your questions, and what protection could look like for your family.
Whether you’re exploring life or health insurance for the first time or reviewing an existing policy, I’m here to explain the details in plain language and help you compare options. You can ask questions, take your time, and decide what works for you.
Serving clients in Texas, Florida, Minnesota, and Massachusetts, subject to current licensing, carrier appointment, and product availability.
We’ll start with a brief conversation about your coverage goals, budget, and any existing insurance.
Review suitable options together, including premiums, benefits, limitations, and application requirements.
If you choose to apply, I’ll guide you through the carrier’s secure process and help you track the next steps.
No. IUL is life insurance. Interest credits may use an index formula, but the cash value is not invested directly in that index. Policy charges, limits, and funding requirements matter. Ask to review guaranteed and non-guaranteed illustrations separately; an index floor does not protect cash value from policy charges.
No. Accident, hospital indemnity, critical illness, and specified-disease policies pay limited benefits for defined events. They are intended to supplement comprehensive health insurance and can leave significant expenses uncovered.
These categories are a starting point for questions, not a promise of product availability. We’ll confirm your state, licensing, carrier appointments, any required certifications, enrollment eligibility, and available products before discussing a quote or application.
A rough monthly budget, an idea of who or what you want to protect, and any existing policy information you want to discuss are a helpful start. Please don’t email Social Security numbers, banking details, IDs, or detailed medical records.
It depends on the carrier, product, coverage amount, and your application. Some options may not require an exam, but health questions or other underwriting may still apply. Approval and pricing are determined by the insurer.
Yes. We can review your coverage goals and the policy information you provide. If a replacement is considered, we’ll discuss costs, guarantees, waiting periods, and any new contestability or suicide provisions. Don’t cancel existing coverage before the new coverage is confirmed in force and you’ve reviewed the consequences.
Premiums vary by age, health, tobacco use, coverage amount, product, and underwriting. We’ll start with your budget and compare actual carrier quotes. No price or approval is guaranteed before the insurer completes its review.
Let’s talk about the people you love and the protection you’re looking for. Reach out by phone or prepare a short consultation request below.
↗ 727-331-2502↗ contact@thestevensinsagency.com↗ Connect on FacebookAndrea Stevens • Owner & independent insurance brokerThis contact form runs in your browser and prepares an email draft; it does not store submissions on this website. Information you choose to send by email is handled through your email provider and Andrea’s email provider and may be used to respond to your inquiry and arrange a conversation. Website hosting and external font services may process ordinary technical data such as IP addresses. This website uses no advertising analytics scripts.
Only share basic contact and scheduling details. Do not send Social Security numbers, bank details, IDs, or detailed health information by email. Application information should be provided through an approved secure carrier process. To stop follow-up or ask about your information, contact Andrea at contact@thestevensinsagency.com or 727-331-2502.