About Tampa Bay Coverage Co.
Local life, health and Medicare insurance help for Tampa Bay households and small businesses.
Tampa Bay Coverage Co. is a local insurance site for households and small businesses across Hillsborough, Pasco and Pinellas counties. When you call or send a request, it goes to a Florida-licensed (2-15) life and health insurance agent who is appointed with multiple carriers, compares their plans for your situation, and handles the application and enrollment. Coverage, premiums and approval decisions come from the insurer; the agent's job is to find the fit and explain it plainly.
How we work
Multiple carriers, one conversation
The agent compares plans from several insurers rather than selling one company's products. You see the differences side by side.
The premium in writing
You see the premium, the deductible or death benefit, and the exclusions before you sign anything. The insurer sets the rate.
No pressure on deadlines you don't have
Some enrollments have hard windows and some don't. You'll be told which is which, and nothing is rushed that doesn't need to be.
Still here after the policy is issued
Claims questions, address changes, beneficiary updates and annual reviews go through the same agent, not a call center.
Licensing
Quotes and policies are provided by a Florida-licensed (2-15) life and health insurance agent. Florida licenses life and health insurance agents through the Department of Financial Services. A 2-15 license covers life, health and variable annuity lines; it does not cover home, auto or flood. You can look up any Florida agent's license and appointments at licenseesearch.fldfs.com.
Services
- Individual and family health plansACA marketplace plans for people without employer coverage, with the subsidy math done for you.
- Medicare plansAdvantage, Supplement and Part D plans compared before an enrollment window closes.
- Term life insuranceAffordable coverage for the years a mortgage and kids depend on your income.
- Whole life insurancePermanent coverage with a fixed premium and cash value that builds over time.
- Final expense insuranceSmall whole life policies that cover a funeral and last bills, with simple health questions.
- AnnuitiesFixed and indexed annuities for retirement savings and income, explained without the sales pitch.
- Disability insuranceIncome protection for self-employed people and anyone whose paycheck has no backup.
- Group benefits for small businessHealth, dental, vision and life benefits for businesses with 2 to 50 employees.