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June Marcia Williams — Licensed Term Life 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 ↗

Term Life Insurance in Panama City Beach, FL

June Williams — NPN 17209549. No-exam options up to $500K.

Term life insurance for Panama City Beach, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — level premiums for 10, 20, or 30 years and tax-free death benefit, 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 Term Life 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 term life 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.

Term Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Term Life 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 Pre-Qualify in 60 Seconds

Fast, personalized quotes — no obligation — no medical exam up to $400K

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

Term Life Options

10-Year Term

Lowest monthly cost
Complete the quick form above to see your estimate
  • Level premium for 10 years
  • Issue ages 18-80
  • No exam up to $400K
  • Convertible to permanent
  • Renewable to age 100
Get Quote

30-Year Term

Maximum protection
Complete the quick form above to see your estimate
  • Level premium for 30 years
  • Issue ages 18-55
  • No exam up to $400K
  • Convertible to permanent
  • Locks rate til retirement
Get Quote

Everything You Need to Know About Term Life Insurance

🛡️

What Is Term Life Insurance?

Term life is pure death benefit protection for a set period — 10, 20, or 30 years. If you die during the term, your beneficiaries receive a tax-free lump sum. If you outlive the term, the policy expires. No cash value, no investment component. It's the most affordable type of life insurance because you're only paying for the death benefit.

💲

How Much Does Term Life Cost?

A healthy 30-year-old can get a $500,000 20-year term policy for under $25/month. Rates depend on age, health, tobacco use, coverage amount, and term length. Shorter terms cost less. Women typically pay less than men. Life insurance premiums paid by the policyowner are not subject to a state sales tax in any U.S. state.

🔄

Can I Convert to Permanent Later?

Most quality carriers include a conversion privilege — the right to convert your term policy to whole life or universal life without a new medical exam. This is critical: if your health changes during the term, conversion lets you keep coverage. June only recommends carriers with strong conversion options.

📊

How Much Coverage Do I Need?

The DIME method: Debt + Income replacement + Mortgage + Education. Add up what your family needs if you're gone. A common shortcut: 10-12× your annual income. A family earning $75K needs roughly $750K-$900K. June provides a free needs analysis to find your exact number.

🏥

Do I Need a Medical Exam?

Traditional fully-underwritten term life requires a brief paramedical exam (blood draw, blood pressure, height/weight) — this typically qualifies you for the lowest premiums. No-exam options exist through accelerated underwriting for coverage up to $500K, but premiums are 15-30% higher. June helps you decide which path makes sense for your situation.

⚖️

Florida Life Insurance Consumer Rights

Florida law provides a 14-day free-look period — return any policy within that window for a full refund (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing guaranteed and non-guaranteed values. Your agent must disclose all compensation. June operates under a fiduciary mindset: your needs first, always.

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

Know Your Rights in Florida

Florida Office of Insurance Regulation

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

Visit floir.gov →.GOV

FL Life Insurance Buyer's Guide

Free consumer guide from FL OIR explaining policy types, replacement rules, and your free-look period.

Visit floir.gov →.GOV

Verify an Agent's NPN License

Use NIPR's lookup tool to verify any agent's National Producer Number and active state licenses.

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Term Life Insurance FAQ

💰

How much does term life cost in Panama City Beach?

A healthy 35-year-old can get $500K coverage for around $28/month on a 20-year term. Rates vary by age, health, and coverage amount.

📅

What term lengths are available?

10-year, 20-year, and 30-year terms. Shorter terms cost less. Longer terms lock in your rate. June helps you find the right fit.

🔄

Can I convert to whole life later?

Most carriers offer conversion without a new medical exam. Valuable safety net if your health changes down the road.

🏥

Do I need a medical exam?

Traditional term life requires a brief exam for lower premiums. No-exam options available at slightly higher premiums for quick coverage.

📊

How much coverage do I need?

Guideline: 10-12x annual income. A family earning $60K/year needs $600K-$720K. June provides free needs analysis.

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Lake Mystic Wealth Strategy

Term Life protection tailored to Lake Mystic families and businesses.

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Sumatra Life Protection

Dedicated Term Life coverage page for Sumatra with local agent support.

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Telogia Coverage Guide

Term Life protection tailored to Telogia families and businesses.

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The Argyle Legacy Plan

Compare Term Life rates from licensed carriers serving Argyle.

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Dedicated Term Life coverage page for DeFuniak Spring with local agent support.

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The DeFuniak Springs Legacy Plan

Personalized Term Life quotes for DeFuniak Springs residents — no obligation.

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Dedicated Term Life coverage page for Freeport with local agent support.

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Miramar Beach Coverage Guide

Dedicated Term Life coverage page for Miramar Beach with local agent support.

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Paxton Life Protection

Compare Term Life rates from licensed carriers serving Paxton.

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The Ponce DeLeon Legacy Plan

Term Life protection tailored to Ponce DeLeon families and businesses.

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The Santa Rosa Beach Legacy Plan

Dedicated Term Life coverage page for Santa Rosa Beach with local agent support.

View Santa Rosa Beach Coverage

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