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

Your Local FL Advocate for Simplified-Issue & Fully-Underwritten Policies

Get Customized Coverage in Lower Grand Lagoon Without the Complexity

Your local licensed agent in Lower Grand Lagoon, Bay County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Lower Grand Lagoon, Bay County, Florida residents — fully-underwritten, simplified-issue, and final-expense products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
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🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Lower Grand Lagoon, FL

Lower Grand Lagoon, FL — Your Local Producer

Hello to my neighbors in Lower Grand Lagoon! Living in our unique corner of Bay County means appreciating the coastal lifestyle and wanting to protect the families we love. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping local residents navigate their options. I can help you explore personal insurance plans like Term Life, Final Expense, and Accident & Injury coverage to find a strategy that fits your needs. I'm here to provide clear, straightforward guidance for your financial security. (NPN: 17209549, Florida License No: W840529)

  • St. Andrews State Park
  • Naval Support Activity Panama City
  • Thomas Drive & Grand Lagoon Drive
NPN17209549FL LicenseW840529

Lower Grand Lagoon is home to approximately 4,700 residents in Bay County, with a median age of 51.8 and a median household income of $72,100. About 67% of homes are owner-occupied; the median home value is $314,000. 35% of adults hold a bachelor's degree or higher; households with children make up 13%; veterans comprise 10% of residents. Average household size is 1.9. These demographic markers shape which life insurance products fit Lower Grand Lagoon households.

How Lower Grand Lagoon compares to Bay County

BAY COUNTY · 181K RESIDENTS LOWER GRAND LAGOON · 5K RESIDENTS
Bay County vs Lower Grand Lagoon — population comparison Bay County: 181,055 residents. Lower Grand Lagoon: 4,733 residents, 2.6% of Bay County population.
181,055 BAY COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
4,733 LOWER GRAND LAGOON RESIDENTS ↳ 2.6% of Bay County residents
Underwriting Guidelines

What rate class can Lower Grand Lagoon applicants with obesity expect from life insurance carriers?

Many Lower Grand Lagoon residents secure competitive rates despite obesity. Bay County reports 31.2% adult prevalence (CDC PLACES); 28.7% also manage arthritis, with 12.5% of the ~181,000 population lacking health insurance. Carriers offer fully underwritten and simplified-issue paths sized to the clinical specifics.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Lower Grand Lagoon (CITY) High cholesterol: 40.9%. High blood pressure: 37.2%. Obesity: 31.2%. Diagnosed diabetes: 10.9%. Current cigarette smoking: 12%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · LOWER GRAND LAGOON High cholesterol 40.9% High blood pressure 37.2% Obesity 31.2% Diagnosed diabetes 10.9% Current cigarette smoking 12.0% 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 ~4,733
Lack of health insurance (18–64) 9.1%

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

FIPS code 1241562
Google Maps
Lower Grand Lagoon photo 1Lower Grand Lagoon photo 2Lower Grand Lagoon photo 3Lower Grand Lagoon photo 4
Photos by Noaida Benitez , Adam Kreul , Jamarcus Williams , Anjie Oswalt-Smith via Google Maps
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Lower Grand Lagoon
Lower Grand Lagoon, FL 32408, USA
Available in Lower Grand Lagoon

Life Insurance Products in Lower Grand Lagoon, FL

9 insurance products available in Lower Grand Lagoon

🛡️ 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 Lower Grand Lagoon, FL

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

🌟 Cities Served near Lower Grand Lagoon

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

Know your rights in Lower Grand Lagoon.

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

Lower Grand Lagoon Life Insurance Questions

💰

How much does life insurance cost in Lower Grand Lagoon?

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.

Lower Grand Lagoon
📋

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 Lower Grand Lagoon?

Yes. June serves all of Lower Grand Lagoon 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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