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

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Final Expense Insurance in Panama City, FL

No medical exam. Ages 50-85. Guaranteed acceptance available.

Final expense insurance for Panama City, 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, 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

Licensed Final Expense Producers in Panama City

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

Abel Gonzalez Lorenzo

Life Including Variable Annuity & Health

NPN 20797353 Licensed 2023

Ada Gabriela Davis

Life Including Variable Annuity & Health

NPN 19664601 Licensed 2020

Adrianne Woods

Life Including Variable Annuity & Health

NPN 20324295 Licensed 2022

Adrienne Deanna Davis

Life Including Variable Annuity & Health

NPN 16181254 Licensed 2011

Aileen Galas-Gil

Life Including Variable Annuity & Health

NPN 21263281 Licensed 2024

Akiel Bilaal Campbell

Life Including Variable Annuity & Health

NPN 20883866 Licensed 2023

Alaina Renee Wessel

Life Including Variable Annuity & Health

NPN 20877672 Licensed 2023

Albert Mckissack Lewis

Life Including Variable Annuity & Health

NPN 458322 Licensed 1986

Alec Schroeter

Life Including Variable Annuity & Health

NPN 22138901 Licensed 2026

Alecia Marie Clagett

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 591823 Licensed 1994

Alexa Marilyn Booth

Life Including Variable Annuity & Health

NPN 21107610 Licensed 2024

Alexandra Lubin

Life Including Variable Annuity & Health

NPN 20014210 Licensed 2021

Alexis Danielle Thomas

Life Including Variable Annuity & Health

NPN 20256555 Licensed 2022

Alexis Dawn Burrell

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 20248880 Licensed 2022

Alexis Koester

Life Including Variable Annuity & Health

NPN 20403711 Licensed 2022

Alexus Leigh Todd

Life Including Variable Annuity & Health

NPN 20674924 Licensed 2023

Alfredo Mendez

Life Including Variable Annuity & Health

NPN 19670589 Licensed 2020

Alicia L Whitehead

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 9563358 Licensed 2009

Alicia Monique Mccree

Life Including Variable Annuity & Health

NPN 21420805 Licensed 2024

Alissa Shyanne Snelgrove

Life Including Variable Annuity & Health

NPN 21144224 Licensed 2024

Allycia Della Houston

Life Including Variable Annuity & Health

NPN 20223690 Licensed 2022

Alonna Angelica Lincoln

Life Including Variable Annuity & Health

NPN 20862239 Licensed 2023

Alver Francisco Angulo Franco

Life Including Variable Annuity & Health

NPN 22063002 Licensed 2025

Amanda Christine Batt

Life Including Variable Annuity & Health

NPN 21484975 Licensed 2025

View all 527 licensed final expense producers in Panama City →

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 regional market. Rates are localized using regional health baselines.

Official Panama City Resources

County Bay County

Population Data Pending

Lack of insurance (18–64) 13.4%

FIPS code 1254700

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 rates. Start your quote request below.

FL OIR .GOV Bay County Gov Portal .GOV

3.5 28 reviews

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 "…"

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.

Read the full Final Expense Guide →

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

How much burial coverage do you need?

$5K

$10K

$15K

$20K

$25K

$35K

What matters most to you?

Funeral Costs

Medical Bills

Both

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Yes

Have you been diagnosed with or treated for cancer, heart disease, stroke, COPD, or organ failure?

Yes

Have you been hospitalized in the past 2 years (other than for routine procedures)?

Yes

Do you currently use a wheelchair, oxygen, or receive home health care?

Yes

Have you been diagnosed with diabetes requiring insulin?

Yes

First Name

Last Name

Phone

Zip Code

⚡ Call me ASAP — I want to speak with an agent as soon as possible

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.

Compare Plans

Final Expense Options

Best Value

Preferred Plan

Full benefit from day one

100% death benefit immediately
Ages 50-85, up to $35K
No medical exam
Accidental Death rider available
Terminal illness rider included

Get Quote

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

📖 Final Expense Knowledge

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.

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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.

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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.

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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.

Life Insurance in Panama City

More Insurance Options in Panama City, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations

Insurance Resources

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.

Visit nipr.com →.COM

Frequently Asked Questions

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.

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Is a medical exam required?

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

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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.

Nearby Final Expense Coverage

Read the Full Final Expense Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

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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

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Final Expense Insurance in Panama City, FL

Panama City, FL — Your Local Producer

Licensed Final Expense Producers in Panama City

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Panama City Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Qualify — No Exam Required

Quote Request Received!

Final Expense Options

Preferred Plan

Standard Plan

Guaranteed Issue Plan

Everything You Need to Know About Final Expense Insurance

What Is Final Expense Insurance?

How Much Does a Funeral Cost in Florida?

Guaranteed Issue vs. Simplified Issue

Irrevocable Burial Trusts & Medicaid

Who Should Get Final Expense?

Florida Consumer Protections

More Insurance Options in Panama City, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Final Expense Insurance FAQ

How much does final expense cost?

Is a medical exam required?

What does it cover?

What's the graded benefit?

Can I get coverage at age 80?

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Talk to a real person. Today.

Final Expense Insurance Underwriting Scope

Official Panama City Resources