June Marcia Williams

Your Insurance Agent in Fountain, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fountain, FL...

National Producer No.

17209549

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Life Insurance in Bay County, FL

Protecting Families Across All 16 Bay County Municipalities

Why Bay County Residents Trust June for Same-Day Quotes

Protect your family in Bay County. 16 municipalities. 9 product lines. One licensed agent.

Licensed Florida agent June Marcia Williams (#W840529, NPN 17209549) writes life insurance for Bay County, Florida residents — fully-underwritten and simplified-issue products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent

🛡️ Get Your Quote 📅 Schedule a Call

🛡️ NPN Verified

⭐ 5-Star Service

❤️ 3K+ Satisfied

County Hub · Bay, FL

Across Bay County

As a licensed insurance producer right here in Florida, I'm proud to serve the families and businesses of Bay County. From the vibrant heart of Panama City to the beautiful coastal communities, this area is a vital hub for the Florida Panhandle. I understand the unique needs of our residents, whether you commute along US-98 or work within the region's growing medical and tourism sectors. My focus is on helping you protect what matters most, providing financial security for homeowners throughout our stunning Emerald Coast landscape. I offer personalized life and health insurance solutions to help you plan for the future with confidence. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Bay County Courthouse
HCA Florida Gulf Coast Hospital
St. Andrews State Park

NPN17209549FL LicenseW840529

How Bay County compares to Florida

FLORIDA · 21.6M RESIDENTS BAY COUNTY · 181K RESIDENTS

21,634,529 FLORIDA POPULATION ↳ 1 cell ≈ 100,000 residents

181,055 BAY COUNTY RESIDENTS ↳ 0.8% of Florida residents

Underwriting Guidelines

What are the primary life insurance underwriting factors in Bay County, FL?

Life insurance carriers price Bay County's ~181,000 residents — 12.5% lacking health insurance — against the local health profile: High cholesterol (39.5%), High blood pressure (33.5%), Obesity (33.4%) adult prevalence per current CDC PLACES data.

Local Health Data

📊 Top Health Considerations (CDC)

Tier projection blends county-level prevalence with carrier underwriting bands. Higher prevalence shifts more of each bar into Standard and Rated/Watch segments. Use as a county baseline, not an individual underwriting outcome.

Preferred Range

Standard

Rated / Watch

🏛️ Official County Resources

NACo County Profile .ORG
Population ~181,000
Lack of health insurance (18–64) 12.5%

Healthcare-access indicator. Higher rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).
FIPS code 12005

1.7 6 reviews

Bay County Board of County Commissioners photo 1

Photos by Jimmy Smith via Google Maps

View on Google Maps

Bay County Board of County Commissioners

Open now · Mon 8:00 AM – 5:00 PM

(850) 784-6149

baycountyfl.gov .GOV

840 W 11th St, Panama City, FL 32401, USA

Recent Reviews

GreenBeret Justice ★☆☆☆☆

"Everybody on this board should be fired. You took a road that was passable and made it a dangerous mess. Zero information to the residence what the plans for this road are. You didn’t even have the co…"

Judi Gharst ★☆☆☆☆

"These commissioners don't listen to the people They only do what they want They don't care that we have a high kill 'shelter' And, make excuses, the budget ! It's time for change. Bay County is bein…"

Products Available

Life Insurance Products in Bay County

9 insurance products available in Bay County

🛡️ Life Insurance

Term Life

Level-premium protection for 10, 20, or 30 years. Designed to cover mortgages, income replacement, and family obligations.

View Term Life 💎 Life Insurance

Whole Life

Permanent coverage with guaranteed cash value accumulation. Lifetime protection that doubles as a financial asset.

View Whole Life 📈 Life Insurance

Universal Life

Flexible premiums with index-linked growth potential. Adjustable coverage that adapts to your financial goals over time.

View Universal Life 🏥 Supplemental Health

Critical Illness

Lump-sum benefit upon diagnosis of a covered condition — cancer, heart attack, stroke, and more. Use it however you need.

View Critical Illness 🏨 Supplemental Health

Hospital Indemnity

Daily cash benefit for hospital stays, regardless of other insurance. Covers deductibles, lost wages, and out-of-pocket costs.

View Hospital Indemnity ⚡ Supplemental Health

Accident & Injury

Cash benefits for accidents — fractures, dislocations, burns, emergency transport. Pays on top of your existing health plan.

View Accident & Injury 🏢 Business

Business Life

Key person, buy-sell funding, and executive benefits. Protect your business from the financial impact of losing a critical contributor.

View Business Life 🔑 Specialized

Special Situations

Pre-existing conditions, no-exam options, marijuana users, high-risk applicants. Coverage solutions when standard plans say no.

View Special Situations 🕊️ Life Insurance

Final Expense

Covers funeral, burial, cremation, and end-of-life costs. No medical exam. Ages 50–85. Premiums never increase.

View Final Expense

Coverage by Product

Bay County Insurance by Product

Every city with listings in Bay County.

🛡️ Term Life

16 Cities

💎 Whole Life

16 Cities

📈 Universal Life

16 Cities

🏥 Critical Illness

16 Cities

🏨 Hospital Indemnity

16 Cities

⚡ Accident & Injury

16 Cities

🏢 Business Life

16 Cities

🔑 Special Situations

16 Cities

🕊️ Final Expense

16 Cities

🏛️ Know Your Agent · Public Record Directory

Bay County, Florida — Licensed Insurance Producer Directory

1,174 licensed insurance producers hold active Florida licenses with business addresses in Bay County, across 3 cities. All records sourced from Florida DFS public data, updated daily. Select a city or line of authority below.

1,174Licensed producers

930Life & Health

421General Lines (P&C)

Find a licensed producer or agency

Browse by line & type

Producer & agency listings are compiled from Florida Department of Financial Services public licensee records, Fla. Stat. §119.01. June Life Insurance does not endorse, rank, or rate any listed producer or agency and is not a government agency.

Official Resources

Know your rights in Bay County.

State and federal resources for insurance consumers. Verify, research, protect.

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law. FL OIR regulates all insurance in Florida.

Visit floir.gov →.GOV

Verify Agent License (NIPR)

Look up June's National Producer Number (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides from the National Association of Insurance Commissioners on choosing coverage and filing complaints.

Visit content.naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for when buying life insurance and your federal protections.

Visit www.iii.org →.GOV

Frequently Asked Questions

Bay County Life Insurance Questions

Costs, eligibility, and coverage rules for Bay County.

💰

How much does life insurance cost in Bay County?

Rates vary based on age, health, coverage amount, and policy type. Term life is generally the most affordable. A licensed agent can compare carriers for your specific situation.

Bay County

🏙️

What cities does June serve in Bay County?

All 16 municipalities in Bay County, including Fountain, Lynn Haven, Mexico Beach, Panama City, Panama City Beach, Southport. Each location has access to the full range of life insurance products — term life, whole life, IUL, final expense, and supplemental health — through a licensed independent agent.

16 Cities

🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for applicants with pre-existing health conditions. Options include simplified-issue and guaranteed-issue policies. Rates vary by carrier.

Special Situations

📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage.

9 Products

⚱️

What is the average FL funeral cost?

Approximately $9,443 in Florida. Final expense insurance covers burial, memorial, and medical bills.

FL Data

✅

How do I verify June's license?

Verify through FL OIR or NIPR. June Marcia Williams — NPN 17209549, FL License #W840529.

Verified

More Florida Counties

Life insurance directories for all 67 FL counties.

Alachua13 cities Baker5 cities

Bay16 cities

Bradford4 cities Brevard35 cities Broward41 cities Calhoun5 cities Charlotte11 cities Citrus15 cities Clay10 cities Collier22 cities Columbia5 cities Desoto3 cities Dixie4 cities Duval8 cities Escambia15 cities Flagler5 cities Franklin6 cities Gadsden6 cities Gilchrist4 cities Glades3 cities Gulf3 cities Hamilton3 cities Hardee9 cities Hendry8 cities Hernando22 cities Highlands5 cities Hillsborough36 cities Holmes4 cities Indian River15 cities Jackson12 cities Jefferson6 cities Lafayette2 cities Lake32 cities Lee43 cities Leon7 cities Levy15 cities Liberty5 cities Madison4 cities Manatee24 cities Marion24 cities Martin12 cities Miami Dade74 cities Monroe18 cities Nassau7 cities Okaloosa17 cities Okeechobee4 cities Orange53 cities Osceola12 cities Palm Beach62 cities Pasco34 cities Pinellas40 cities Polk42 cities Putnam15 cities Santa Rosa31 cities Sarasota35 cities Seminole16 cities St Johns16 cities St Lucie11 cities Sumter10 cities Suwannee6 cities Taylor4 cities Union4 cities Volusia27 cities Wakulla5 cities Walton8 cities Washington5 cities

Talk to a real person. Today.

No automated phone trees. No chatbots. Schedule a time that works for you and a licensed agent with 12 years of experience calls you directly.

Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Life Insurance in Bay County, FL

Protecting Families Across All 16 Bay County Municipalities

Why Bay County Residents Trust June for Same-Day Quotes

Across Bay County

How Bay County compares to Florida

What are the primary life insurance underwriting factors in Bay County, FL?

📊 Top Health Considerations (CDC)

🏛️ Official County Resources

Life Insurance Products in Bay County

Term Life

Whole Life

Universal Life

Critical Illness

Hospital Indemnity

Accident & Injury

Business Life

Special Situations

Final Expense

Bay County Insurance by Product

🛡️ Term Life

💎 Whole Life

📈 Universal Life

🏥 Critical Illness

🏨 Hospital Indemnity

⚡ Accident & Injury

🏢 Business Life

🔑 Special Situations

🕊️ Final Expense

Bay County, Florida — Licensed Insurance Producer Directory

Browse by line & type

Browse by city

Featured producers

Featured agencies

Know your rights in Bay County.

Florida Office of Insurance Regulation

Verify Agent License (NIPR)

NAIC Consumer Guides

FTC Life Insurance Guide

Bay County Life Insurance Questions

How much does life insurance cost in Bay County?

What cities does June serve in Bay County?

Coverage with a pre-existing condition?

What types of insurance are available here?

What is the average FL funeral cost?

How do I verify June's license?

Life insurance directories for all 67 FL counties.

Talk to a real person. Today.