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As an independent broker contracted with 70+ top-rated carriers, Trever is not beholden to any single insurance company. Army and worked as a teacher.

I am passionate about researching insurance options, understanding the differences between companies and plans, evaluating your needs, and meeting people face-to-face to help them navigate the complexities of the health, life and annuity insurance world. An Independent Broker Who Works for You — Not the Insurance Company

Trever Dahms founded TD Coverage on a simple belief: every person deserves honest, unbiased guidance when it comes to protecting their health, income, and legacy. He shops the market on your behalf — comparing plans, explaining options in plain language, and helping you make a confident decision. Before becoming a broker, Trever served in the U.S. Those experiences shaped a communication style his clients describe as patient, clear, and genuinely helpful. There's no pressure here — just expertise and a commitment to doing right by the people he serves. TD Coverage serves individuals, families, and retirees throughout Florida, including Pinellas, Hillsborough, and Pasco County. We represent products from a wide variety of insurance companies, helping you compare plan features and prices, so rest assured we can find the plan best suited to your needs. Click through on any of the examples listed below to learn more about any individual product. As always, feel free to call Trever today at (727) 314-3114 to learn more.

10/09/2026

Looking for a safer way to grow your money in retirement? Not all investments have to come with sleepless nights. Fixed and Indexed Annuities are designed for people who want growth and protection.

Fixed Annuities
- Guaranteed interest rate
- No market risk
- Predictable, steady growth Indexed Annuities
- Growth tied to a market index (like the S&P 500)
- Protection from market losses
- Opportunity for higher returns than traditional fixed options

You don’t have to choose between risking everything or earning nothing. With the right strategy, you can:
- Protect your principal
- Grow your savings
- Create reliable retirement income

If you’re nearing retirement or just want a more conservative strategy, this is a conversation worth having.

10/07/2026

One date most Medicare beneficiaries forget: October 15 – December 7.

That's the Annual Enrollment Period — the only window each year when you can change your Medicare Advantage or Part D plan for the following year.

Plans change every year. Drug formularies shift. Networks update. Premiums move. The plan that fit you perfectly last year may not be the right fit this year.

Even if you don't want to switch, a quick review confirms you're on the right plan. That peace of mind is worth a phone call.

I'm Trever — an independent Medicare broker in Clearwater. I work with multiple carriers and can lay out your real options side by side. No cost to you for the review.

10/05/2026

Quick guide to the 4 parts of Medicare:

Part A (Hospital Insurance): Pays for inpatient hospital stays, skilled nursing facility care, hospice, and some home health services. Most people don’t pay a premium for Part A if they paid Medicare taxes while working.

Part B (Medical Insurance): Covers doctor visits, outpatient care, preventive services, and certain medical supplies. It has a monthly premium and typically some cost-sharing

Part C (Medicare Advantage): These are private plans that replace Original Medicare (Parts A & B) and often bundle extra benefits like prescription drugs, vision, and dental. They can be convenient but may have network rules and different costs.

Part D (Prescription Drug Coverage): Helps pay for prescription meds. You can get it as a standalone plan with Original Medicare or it’s often included in Medicare Advantage plans.

Not sure which parts you need or how they work together? Message me and I’ll walk you through it.

10/01/2026

The Medicare Annual Enrollment Period starts October 15 and runs through December 7. Now's a great time to start thinking about whether your current plan still fits, before the mailbox fills up with postcards and the phone starts ringing nonstop.

A few quick things to keep in mind as AEP approaches:

- Your Medicare Advantage or Part D plan can change every year, even if the name and premium look the same
- Prescriptions, doctors, and costs are all worth double-checking
- If you're on a Medicare Supplement, AEP doesn't apply to you directly, but it's still a smart time to compare rates

You don't need to overhaul anything. Sometimes a quick side-by-side comparison is all it takes to confirm you're in good shape, or to catch something worth changing before January.

Schedule an online appointment here:
https://calendly.com/tdcoverage

09/29/2026

Who is term life insurance for?

Term life is a smart, affordable choice when you need temporary protection to cover specific financial responsibilities. It’s a great fit for:
-Young families who need income protection if a parent dies
-Homeowners with a mortgage or large loans
-Business partners who need buy-sell or debt protection
-Parents of young children or dependents who rely on your income
-People on a fixed budget who want strong coverage without high premiums
-Those needing coverage for a defined period (until kids are independent, mortgage paid off, or retirement savings solid)

Why choose term?

It’s simple, cost-effective, and gives you protection when you need it most — with options to convert to permanent coverage if your needs change.

Want help finding the right term policy for your situation? Message me or call to schedule a free consultation.

09/25/2026

20 days until AEP begins!

The Medicare Annual Enrollment Period kicks off October 15 and runs through December 7. This is your one guaranteed window each year to review your coverage, switch plans, or make sure you're not overpaying for something that changed without you noticing.

A few questions worth asking yourself before the window opens:

- Did your prescriptions or costs change this year?
- Is your doctor still in-network?
- Have you actually compared your plan against what else is available?

If it's been a while since you looked, now's the time to start thinking about it, before the mailbox floods with postcards and the phone starts ringing off the hook.

I'm Trever Dahms with TD Coverage, serving Pinellas, Hillsborough, and Pasco counties. I work with 70+ carriers, so when we sit down, you're seeing real options, not just one company's pitch.

Let's get ahead of AEP together.

09/24/2026

We had a great time sponsoring the baked ziti for the Potluck Dinner at the Pinellas Park Senior Center! It's always a joy getting to spend time with the community and share a meal together.

Thanks to everyone who came out, brought a dish to share, and made it such a fun evening. Looking forward to the next one!

09/23/2026

Life insurance isn't a "set it and forget it" decision — your coverage should grow as your life does. You may be underinsured if you've recently:

- Only have coverage through your employer (it usually doesn't follow you if you leave your job)
- Gotten a raise (your income went up — did your coverage?)
- Have a stay-at-home spouse or partner without their own policy (their contribution has real financial value)
- Had a child
- Bought a new home

Any one of these is a good reason to do a quick policy review. It takes just a few minutes to see where you stand and there's no cost to find out.

09/21/2026

September is Life Insurance Awareness Month

Here's an uncomfortable but important question: if something happened to you tomorrow, would the people who depend on you be okay financially?

Life insurance isn't about you. It's about making sure your family doesn't have to make impossible choices during an already impossible time, keeping the house, covering funeral costs, replacing your income, paying off debt.

A few numbers worth sitting with:

- Over 100 million Americans say they need life insurance or need more of it, but haven't gotten around to it
- Many people overestimate the cost of coverage by 3x or more, term life for a healthy adult is often more affordable than people expect
- Life insurance isn't just for parents with young kids. If you have a mortgage, a spouse, a business, or aging parents who rely on you, it's worth a conversation

The good news: reviewing your coverage takes less time than you'd think, and there's no cost to find out where you stand or whether your current policy still fits your life.

If you've been putting this off, this is your reminder. Let's talk.

I'm Trever Dahms with TD Coverage, serving Pinellas, Hillsborough, and Pasco counties. Term, whole life, final expense, IUL, I work with carriers across the board so you get options built around your actual situation, not a one-size-fits-all pitch.

09/18/2026

Heart attack is the number one cause of death for both women and men in the U.S., responsible for 1 out of every 5 deaths. The average age of a first heart attack is 65.5 for men and 72 for women, right in the range of the clients I work with every day.

A Heart Attack or Stroke insurance plan works the same way as cancer coverage: if you're diagnosed, you get a lump sum paid directly to you, no restrictions on how you use it. Mortgage payment, groceries, a home health aide, whatever actually helps your family keep moving during recovery.

These plans are affordable add-ons to your existing health coverage, and I'm glad to walk you through the numbers with no pressure either way.

Address

2650 McCormick Drive
Clearwater, FL
33759

Telephone

+12623523997

Website

http://www.tdcoverage.com/

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