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Home›Florida›Bay County›Upper Grand Lagoon

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

Securing Families Across Bay County with 9 Tailored Product Lines

Why Upper Grand Lagoon Residents Rely on June for Complete Peace of Mind

Your local licensed agent in Upper 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 Upper 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 · Upper Grand Lagoon, FL

Upper Grand Lagoon, FL — Your Local Producer

For my neighbors in Upper Grand Lagoon, living in our beautiful corner of Bay County means enjoying a unique coastal lifestyle. As a licensed Florida insurance producer, I understand the importance of protecting what matters most to you and your family. I'm June Marcia Williams, and I specialize in helping individuals find the right personal insurance coverage. Whether you're considering Term Life, Whole Life, Final Expense, or supplemental plans like Critical Illness and Accident & Injury, I'm here to provide clear, personalized guidance. Let's work together to create a plan that secures your financial future. (NPN: 17209549, FL License No: W840529)

  • St. Andrews State Park
  • Patronis Elementary School
  • Naval Support Activity Panama City
NPN17209549FL LicenseW840529

Upper Grand Lagoon is home to approximately 17,100 residents in Bay County, with a median age of 42.4 and a median household income of $64,900. About 72% of homes are owner-occupied; the median home value is $316,000. 40% of adults hold a bachelor's degree or higher; households with children make up 26%; veterans comprise 12% of residents. Average household size is 2.2. These demographic markers shape which life insurance products fit Upper Grand Lagoon households.

How Upper Grand Lagoon compares to Bay County

BAY COUNTY · 181K RESIDENTS UPPER GRAND LAGOON · 17K RESIDENTS
Bay County vs Upper Grand Lagoon — population comparison Bay County: 181,055 residents. Upper Grand Lagoon: 17,062 residents, 9.4% of Bay County population.
181,055 BAY COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
17,062 UPPER GRAND LAGOON RESIDENTS ↳ 9.4% of Bay County residents
Underwriting Guidelines

How does current cigarette smoking impact life insurance underwriting in Upper Grand Lagoon, FL?

Many Upper Grand Lagoon residents secure competitive rates despite current cigarette smoking. Bay County reports 12.0% adult prevalence (CDC PLACES); 40.9% also manage high cholesterol, 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 Tyndall AFB →

📊 Top Health Considerations (CDC)

Top Health Considerations for Upper 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 · UPPER 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 ~17,062
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 1273312
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Upper Grand Lagoon photo 1Upper Grand Lagoon photo 2Upper Grand Lagoon photo 3
Photos by Noaida Benitez , Maureen Kennedy , Maureen Kennedy via Google Maps
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Upper Grand Lagoon
Upper Grand Lagoon, FL, USA
Available in Upper Grand Lagoon

Life Insurance Products in Upper Grand Lagoon, FL

9 insurance products available in Upper 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 Upper Grand Lagoon, FL

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

🌟 Cities Served near Upper 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 Upper 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

Upper Grand Lagoon Life Insurance Questions

💰

How much does life insurance cost in Upper 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.

Upper 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 Upper Grand Lagoon?

Yes. June serves all of Upper 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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