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June Marcia Williams — Licensed Final Expense Insurance Agent in Panama City Beach, FL
June Marcia Williams
Your Insurance Agent in Panama City Beach, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Panama City Beach, FL...
National Producer No.
17209549
Verify ↗

Final Expense Insurance in Panama City Beach, FL

June Williams — simplified issue specialist. Same-day quotes.

Final expense insurance for Panama City Beach, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — simplified-issue funeral and burial coverage from age 50 to 85, no pressure, same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
❤️
3K+ Satisfied Clients
5-Star Service Rating
🛡️ NPN Verified
🏛️ 5-State Licensed
🏆 10+ Yrs Exp.
Right here · Panama City Beach, FL

Panama City Beach, FL — Your Local Producer

Living in Bay County means appreciating the unique lifestyle we have here in Panama City Beach. As your neighbor, I'm committed to helping you protect it. My name is June Marcia Williams, and as a licensed Florida insurance producer, I help local families navigate their coverage options. I specialize in personal policies like Term and Whole Life, Final Expense, Critical Illness, and Hospital Indemnity plans. My goal is to provide clear, straightforward guidance so you can feel confident in the financial safety net you're building for your loved ones. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • Pier Park
  • Frank Brown Park
  • Russell-Fields Pier
NPN17209549FL LicenseW840529

Licensed Final Expense Producers in Panama City Beach

245 on public record · Florida DFS · Fla. Stat. §119.01

AL
Aaron P Leopold
Life Including Variable Annuity & Health
NPN 2188445 Licensed 2009
AC
Alexandru Ciolan
Life Including Variable Annuity & Health
NPN 21120961 Licensed 2024
AH
Alexis Gregory Hatten
Life Including Variable Annuity & Health
NPN 19944487 Licensed 2021
AS
Alisa Michele Spivey
Life Including Variable Annuity & Health
NPN 9528316 Licensed 2007
AR
Allie Marie Ross
Life Including Variable Annuity & Health
NPN 20059914 Licensed 2021
AY
Alyssa York
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20997492 Licensed 2024
AN
Amanda Lee Nelson
Life Including Variable Annuity & Health
NPN 19813881 Licensed 2021
AD
Amerie Daniels
Life Including Variable Annuity & Health
NPN 21641805 Licensed 2025
AA
Andrea Julieth Avilesgarzon
Life Including Variable Annuity & Health
NPN 21729015 Licensed 2025
AC
Andrea Lea Clancy
Life Including Variable Annuity & Health
NPN 2674566 Licensed 2016
AR
Andrew Bernhard Reuther
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 18930724 Licensed 2018
AS
Angela C Shever
Life Including Variable Annuity & Health
NPN 20847068 Licensed 2023
AP
Anthony Petitti
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 554654 Licensed 2000
AP
Anthony Petitti
Life Including Variable Annuity & Health
NPN 5800544 Licensed 2020
AC
Ashley Callaway
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 19990753 Licensed 2026
AM
Ashley Nicole Miller
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 15748343 Licensed 2025
AV
Ashley Vanveenendaal
Life Including Variable Annuity & Health
NPN 20437986 Licensed 2024
AB
Austin Jenea Blanton
Life Including Variable Annuity & Health
NPN 21689215 Licensed 2025
BG
Barbara K Grubb
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 939382 Licensed 2024
BR
Bradley Evan Rader
Life Including Variable Annuity & Health
NPN 17089438 Licensed 2013
BG
Brandi Nicole Goodson
Life Including Variable Annuity & Health
NPN 20552554 Licensed 2022
BL
Brandon Walter Lacey
Life Including Variable Annuity & Health
NPN 21707389 Licensed 2025
BJ
Brian Casey Jones
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20036232 Licensed 2021
BT
Brian Keith Taylor
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 603178 Licensed 1996
View all 245 licensed final expense producers in Panama City Beach →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Final Expense Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Final Expense Insurance across the Panama City Beach regional market. Rates are localized using regional health baselines.

Official Panama City Beach Resources

County Bay County
Population Data Pending
Lack of insurance (18–64) 10.4%
FIPS code 1254725

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

Let June shop the market for your localized Panama City Beach rates. Start your quote request below.

Google Maps
3.3 13 reviews
Panama City Beach, City Hall photo 1Panama City Beach, City Hall photo 2Panama City Beach, City Hall photo 3
Photos by John Sitler , Panama City Beach, City Hall , Suzy B via Google Maps
Panama City Beach, City Hall
Open now · Mon 7:30 AM – 4:00 PM
17007 Panama City Beach Pkwy, Panama City Beach, FL 32413, USA
Recent Reviews
Layne Apperson ★☆☆☆☆
"3rd time we have come here and the pool and facility is closed because of staffing issues. We plan a family outing and it ends with our child crying. These facilities are some of the greatest in the c…"
Virginia Chastain ★★★★☆
"PCB is our favorite place to vacation in Florida. So many things to do .I just don't understand how California Cycles/Outlaw Rentals is allowed in PCB. They are crooks. Please do your research before …"
About Your Agent

Why Choose June?

A-Rated Security

Backed exclusively by top-tier, vertically integrated carrier capacity.

Rapid Underwriting

Algorithmic rate classifications drop processing times down to seconds.

Direct Pricing

Zero intermediary markup structures ensuring wholesale underwriting parity.

Digital Portals

Instant localized digital enrollment without offline processing roadblocks.

Select your coverage below to see your price in seconds.

See If You Qualify — No Exam Required

Remove the financial burden from loved ones — no obligation — guaranteed acceptance options available

Your info is secure and never shared. June will contact you within minutes with personalized quotes. Pre-qualification is an estimate — final rates determined by carrier underwriting.

Quote Request Received!

June will contact you within minutes with personalized quotes during business hours.

Or call now: (908) 339-7723

Want live updates on your quote? Tap to let June text your phone directly — rates, approvals, appointments.
Prefer to talk? Ask Lia — June's AI assistant: (908) 648-8689
Your illustrative monthly estimate Example: $10,000 coverage — select your amount above for your range.

Final Expense Options

Standard Plan

Full benefit from day one
  • 100% death benefit immediately
  • Ages 50-85, up to $20K
  • No medical exam
  • Some health conditions OK
  • Level premiums for life
Get Quote

Guaranteed Issue Plan

Graded benefit — guaranteed
  • Years 1-2: premiums + 10% interest
  • Year 3+: full death benefit
  • Ages 50-80, up to $15K
  • No medical exam
  • Accidental death = full benefit yr 1
Get Quote

Everything You Need to Know About Final Expense Insurance

🕊️

What Is Final Expense Insurance?

Final expense is a small whole life policy designed to cover end-of-life costs — funeral, burial, cremation, outstanding medical bills, and legal fees. Coverage typically ranges from $5,000 to $50,000. Unlike traditional whole life, final expense is simplified issue — no medical exam, no blood work, just health questions.

💲

How Much Does a Funeral Cost in Florida?

According to the Choice Mutual 2026 / NFDA 2023, the median cost of a traditional funeral with burial in Florida is $8,023. The national median is $8,300. Cremation is less ($3,000–$6,000) but still a significant expense. Final expense insurance covers these costs so your family doesn't have to.

Guaranteed Issue vs. Simplified Issue

Simplified issue (preferred/standard plans): answer health questions, no exam, immediate full benefit if approved. Guaranteed issue (guaranteed acceptance plans): no health questions at all — everyone qualifies — but has a 2-3 year graded benefit waiting period. Accidental death pays full benefit from day one on both.

🏦

Irrevocable Burial Trusts & Medicaid

In Florida, an irrevocable burial trust funded by a final expense policy is exempt from Medicaid asset calculations. Florida exempts irrevocable prepaid funeral contracts with no dollar cap (Fla. Admin. Code R. 65A-1.712, SSI-Related Medicaid Resource Eligibility Criteria). See Florida guidance. June helps structure these correctly.

👴

Who Should Get Final Expense?

Final expense is designed for seniors ages 50-85 who want to ensure their funeral and end-of-life costs are covered without burdening family. It's also for anyone who has been declined for traditional coverage due to health conditions — guaranteed issue means no one is turned away. Fixed premiums, coverage for life.

⚖️

Florida Consumer Protections

Florida law provides a 14-day free-look period on all life insurance policies — return for a full refund, no questions asked (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing benefits and costs. State insurance regulators prohibit misleading "burial insurance" advertising that overstates coverage or understates limitations.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA.

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Final Expense Insurance FAQ

💰

How much does final expense cost?

Premiums vary by age, health, and coverage amount. Plans range from $5K-$35K. Premiums are level and never increase.

🏥

Is a medical exam required?

No. No medical exam, no blood work, no health interview. Eligibility determined at point of sale from application questions.

⚱️

What does it cover?

Funeral, burial or cremation, casket, memorial, outstanding medical bills, and end-of-life expenses. Florida median funeral with burial: $8,023 (Choice Mutual 2026 / NFDA 2023).

📋

What's the graded benefit?

Basic plan: years 1-2 pay premiums + 10% interest if death occurs. Year 3+ pays full face amount. Accidental death = full benefit day one.

👴

Can I get coverage at age 80?

Yes. Ages 50-85 are eligible. Preferred up to $15K, Standard up to $10K at ages 81-85. Level premiums guaranteed.

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Lake Mystic Wealth Strategy

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Sumatra Life Protection

Dedicated Final Expense coverage page for Sumatra with local agent support.

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Telogia Coverage Guide

Final Expense protection tailored to Telogia families and businesses.

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Personalized Final Expense quotes for DeFuniak Springs residents — no obligation.

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Dedicated Final Expense coverage page for Freeport with local agent support.

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Compare Final Expense rates from licensed carriers serving Paxton.

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Dedicated Final Expense coverage page for Santa Rosa Beach with local agent support.

View Santa Rosa Beach Coverage

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