insurance content

Dana J. Turner Insurance Services Inc.

An Affordable California Insurance Agency that offers Personal Health Insurance and Business Group Medical Insurance Solutions.

Our brokers aim to provide affordable Insurance policies throughout California. We offer a number of affordable long term plans and specialty coverage services. You have plenty of things to think about without adding insurance to the list. Dana J. Turner Insurance Services Inc. can handle your individual health insurance or group health insurance needs at the best insurance rates in so you can put more time and energy into other things. Our agents will make finding your California insurance an easy, stress-free experience.

A BBB Accredited business since 12/03/1998Independent Insurance Agent

California Health Insurance

Health insurance is one of the most important coverage policies you can have. Without good health, your entire wellbeing can be at stake. You don’t want to trust your health insurance policies to just anyone. Sometimes simply placing confidence in your employer provided policy may not be your best option. And if you are unemployed or your employer does not provide health insurance, you will need to seek alternate options.

If for any reason you need to search out health insurance on your own, look no further than an independent insurance agency. Dana J. Turner Insurance Services Inc. can shop multiple insurance carriers for you and ensure that you get the best health coverage at the best price.

California Life Insurance

Life insurance is necessary for people of all ages; it is much more important than many realize. The reasons why you should purchase this type of insurance can vary and sometimes it is confusing to decipher what type of life policy you should buy.

Typically there are two types of life insurance policies you can purchase:

  • Whole Life Insurance
    • Whole life insurance policies pay a death benefit when you pass away, no matter what age, and generally covers you for your entire life, hence the name. There are two types of whole life policies: universal and variable. Universal whole life provides the policyholder with some flexibility in terms of death benefits and premium payments. Variable whole life policies combine your coverage with your investments.
  • Term Life Insurance
    • This is the least complicated form of life insurance. Term life policies pay a death benefit only when death occurs during the policy term, which is usually no longer than 30 years. There are two types of term life policies: level term and decreasing term. Level term policies require that the death benefit stays the same throughout the existence of you policy.

Personal Disability Insurance

Imagine that you are hurt and must take time out of work. Does your employer provide disability insurance? Even if they do, does it cover the length of time you may be out of commission?

These are things you should be considering if you need to purchase disability insurance. Your need for disability insurance may be greater than you realize, and it is not a responsibility you should simply toss aside for your employer to deal with. Although workers compensation is required by law to be provided to you by your employer, disability insurance is not required in every state. Only in Hawaii, New Jersey, Rhode Island, and New York does state law obligate employers to provide disability insurance for up to 26 weeks. Currently, there are no state laws that require employers to provide you with long term disability insurance.