Directory
Life & Health Agents Property & Casualty Agents Insurance Agencies Verify a License For Producers
Life Insurance
Term Life Insurance ↳ Term Life Quote & Cost Whole Life Insurance ↳ Whole Life Quotes Term vs Whole Life ↳ Compare Term vs Whole Life Universal Life (IUL) Final Expense Insurance ↳ Final Expense Quotes
Supplemental Coverage
Critical Illness Hospital Indemnity Accident & Injury
Business & Specialty
Business Life Insurance Special Situations
Areas Served
New Jersey Pennsylvania Florida Maryland Virginia About Contact 🗺️ Map I'm an Agent — It's Free

Home›Florida›Bay County›Panama City

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

Life Insurance in Panama City, FL

Securing Families Across Bay County with 9 Tailored Product Lines

Why Panama City Residents Rely on June for Complete Peace of Mind

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

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Panama City, 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 · Panama City, FL

Panama City, FL — Your Local Producer

As a fellow Floridian, I appreciate the resilient spirit and coastal charm that make Panama City a wonderful place to live. Here in Bay County, we understand the importance of preparing for the future while enjoying the present. That's why I am committed to helping my neighbors understand their personal insurance options, whether it's Term Life, Final Expense, or plans for critical illness or injury. My focus is on providing clear, personalized guidance so you can feel confident in the choices you make for your family's financial security. As a licensed producer (NPN: 17209549, Florida License No: W840529), I'm here to help.

  • Panama City City Hall
  • Bay County Courthouse
  • McKenzie Park
NPN17209549FL LicenseW840529
Underwriting Guidelines

Can I get life insurance with high cholesterol in Panama City, FL?

Coverage is widely available. Panama City sits within Bay County (population ~181,000, 12.5% uninsured), where 38.7% of adults have high cholesterol alongside 37.3% with high blood pressure 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 Mexico Beach →

📊 Top Health Considerations (CDC)

Top Health Considerations for Panama City (CITY) High cholesterol: 38.7%. High blood pressure: 37.3%. Obesity: 33.7%. Diagnosed diabetes: 11.9%. Current cigarette smoking: 15.9%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · PANAMA CITY High cholesterol 38.7% High blood pressure 37.3% Obesity 33.7% Diagnosed diabetes 11.9% Current cigarette smoking 15.9% 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 Data Pending
Lack of health insurance (18–64) 13.4%

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

FIPS code 1254700
Google Maps
3.5 28 reviews
City of Panama City City Hall photo 1City of Panama City City Hall photo 2City of Panama City City Hall photo 3City of Panama City City Hall photo 4
Photos by Derrek Voelker , BibiHG The Not So Crafty Teacher , City of Panama City City Hall , Jill Jauch via Google Maps
View on Google Maps
City of Panama City City Hall
Open now · Mon 8:00 AM – 5:00 PM
(850) 872-3000
panamacity.gov .GOV
501 Harrison Ave, Panama City, FL 32401, USA
Recent Reviews
Vernon Bush ★☆☆☆☆
"Beware. New speed traps set up around schools using cameras. No school zone flashing lights. Just a small sign you can't read going at normal street speed notifying of time speed limit is lowered. …"
Phillip Salmons ★☆☆☆☆
"The utilities department is a total joke. After asking for a year for a new meter because the old one was faulty, the city installed new meters a few months ago and they are faulty as well, so they "…"
Available in Panama City

Life Insurance Products in Panama City, FL

9 insurance products available in Panama City

🛡️ 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 Panama City, FL

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

🌟 Cities Served near Panama City

20 Cities · 3 Counties
Washington County5
CaryvilleChipleyEbroVernonWausau
Bay CountyHome10
CallawayFountainLynn HavenMexico BeachPanama City BeachParkerSouthportSpringfieldTyndall AFBYoungstown
Liberty County5
BristolHosfordLake MysticSumatraTelogia
🏛️ Know Your Agent · Public Record Directory

Licensed Insurance Agents in Panama City, Florida

Florida DFS public records show 680 actively licensed insurance producers with business addresses in Panama City (Bay County County). 527 hold Life & Health authority; 251 hold Property & Casualty authority. Browse by line below, or verify any license number directly with the state.

680Licensed producers
527Life & Health
251General Lines (P&C)

Browse producers by line

Life & Health Agents
527 producers · life-authorised
General Lines (Property & Casualty)
251 producers · 2-20

Featured licensed producers

Browse all →
TM
Thomas Joseph Maliskey
Life Including Variable Annuity & Health
NPN 1052432 Licensed 2000
NR
Norbert Daniel Rudek
Life Including Variable Annuity & Health
NPN 1035506 Licensed 1996
JM
James Edsel Martin
Life Including Variable Annuity & Health
NPN 554995 Licensed 1979
JO
James D Oenbrink
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 3419863 Licensed 2005
JO
James D Oenbrink
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 3419863 Licensed 2005
KP
Karen E Petermann
General Lines (Property & Casualty)
NPN 553190 Licensed 1986

Producer 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 and is not a government agency.

Official Resources

Know your rights in Panama City.

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

Panama City Life Insurance Questions

💰

How much does life insurance cost in Panama City?

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.

Panama City
📋

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 Panama City?

Yes. June serves all of Panama City 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.

Verified

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
Select a time and we'll call you · Serving NJ, PA, FL, MD & VA
🛡️ Get Your Quote 📅 Schedule a Call
Ask Lia