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Home›Florida›Bay County›Laguna Beach

June Marcia Williams — Licensed Insurance Agent in Laguna Beach, FL
June Marcia Williams
Your Insurance Agent in Laguna Beach, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Laguna Beach, FL...
National Producer No.
17209549
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Life Insurance in Laguna Beach, FL

Securing Families Across Bay County with 9 Tailored Product Lines

Why Laguna Beach Residents Rely on June for Complete Peace of Mind

Your local licensed agent in Laguna Beach, Bay County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Laguna Beach, Bay County, Florida residents — fully-underwritten, simplified-issue, and final-expense 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
Right here · Laguna Beach, FL

Laguna Beach, FL — Your Local Producer

For my neighbors in Laguna Beach and across Bay County, life along our beautiful stretch of the Gulf Coast is something special. Protecting that lifestyle and the people you love is my priority. I'm June Marcia Williams, a licensed insurance producer (NPN: 17209549, Florida License No: W840529) dedicated to serving our community. I help individuals and families navigate their options for personal insurance, from Term and Whole Life to Final Expense and Critical Illness plans. My goal is to provide clear, straightforward guidance so you can make confident decisions for your family's financial future.

  • Carousel Supermarket
  • Thomas' Donut & Snack Shop
  • The intersection of Front Beach Road and S Arnold Road
NPN17209549FL LicenseW840529

Laguna Beach is home to approximately 4,200 residents in Bay County, with a median age of 57.6 and a median household income of $74,900. About 73% of homes are owner-occupied; the median home value is $330,000. 35% of adults hold a bachelor's degree or higher; households with children make up 11%; veterans comprise 14% of residents. Average household size is 1.8. These demographic markers shape which life insurance products fit Laguna Beach households.

How Laguna Beach compares to Bay County

BAY COUNTY · 181K RESIDENTS LAGUNA BEACH · 4K RESIDENTS
Bay County vs Laguna Beach — population comparison Bay County: 181,055 residents. Laguna Beach: 4,194 residents, 2.3% of Bay County population.
181,055 BAY COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
4,194 LAGUNA BEACH RESIDENTS ↳ 2.3% of Bay County residents
Underwriting Guidelines

Can I get life insurance with obesity in Laguna Beach, FL?

Coverage is widely available. Laguna Beach sits within Bay County (population ~181,000, 12.5% uninsured), where 31.4% of adults have obesity alongside 28.7% with arthritis per current CDC PLACES data. Independent agents match applicants to carriers whose underwriting guidelines treat each clinical profile most favorably.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Fountain →

📊 Top Health Considerations (CDC)

Top Health Considerations for Laguna Beach (CITY) High cholesterol: 42.1%. High blood pressure: 38.5%. Obesity: 31.4%. Diagnosed diabetes: 11.7%. Current cigarette smoking: 13%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · LAGUNA BEACH High cholesterol 42.1% High blood pressure 38.5% Obesity 31.4% Diagnosed diabetes 11.7% Current cigarette smoking 13.0% Data sourced directly from the CDC PLACES Dataset.

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 City Resources

Bay County Gov Portal .GOV
Population ~4,194
Lack of health insurance (18–64) 10.4%

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

FIPS code 1237500
Google Maps
Laguna Beach civic building photo 1Laguna Beach civic building photo 2Laguna Beach civic building photo 3Laguna Beach civic building photo 4
Photos by Maria Louise Edwards , Marissa Chavez , Laguna Beach City Hall , Herb Heiserman via Google Maps
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Available in Laguna Beach

Life Insurance Products in Laguna Beach, FL

9 insurance products available in Laguna Beach

🛡️ 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
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Life Insurance in Bay County and Nearby Florida Counties

Life Insurance by City Near Laguna Beach, FL

1,174 licensed producers on public record in Bay County.

🌟 Cities Served near Laguna Beach

23 Cities · 3 Counties
Liberty County5
BristolHosfordLake MysticSumatraTelogia
Bay CountyHome10
CallawayFountainLynn HavenMexico BeachPanama CityPanama City BeachParkerSouthportSpringfieldTyndall AFB
Walton County8
ArgyleDeFuniak SpringDeFuniak SpringsFreeportMiramar BeachPaxtonPonce DeLeonSanta Rosa Beach
Official Resources

Know your rights in Laguna Beach.

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law.

Visit floir.gov →.GOV

Verify Agent License (NIPR)

Look up June's NPN (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides on choosing life insurance, understanding policy types, and filing complaints.

Visit naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for and your federal protections.

Visit ftc.gov →.GOV
Frequently Asked Questions

Laguna Beach Life Insurance Questions

💰

How much does life insurance cost in Laguna Beach?

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.

Laguna Beach
📋

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
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for applicants with pre-existing health conditions. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Laguna Beach?

Yes. June serves all of Laguna Beach and every municipality in Bay County. Licensed in five states: NJ, PA, FL, MD, and VA.

Full Coverage
🏥

What is critical illness insurance?

Pays a lump-sum cash benefit upon diagnosis of cancer, heart attack, stroke, or organ failure. Supplements health insurance by covering deductibles, lost wages, and non-medical expenses.

Critical Illness
✅

How do I verify June's FL license?

Verify through FL OIR at floir.gov or NIPR at nipr.com. June Marcia Williams — NPN 17209549, FL License #W840529.

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Licensed in 5 states NPN verified No obligation
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