June Marcia Williams

Your Insurance Agent in Starke, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Starke, FL...

National Producer No.

17209549

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Final Expense Insurance in Starke, FL

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

Final expense insurance for Starke, 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 · Starke, FL

Starke, FL — Your Local Producer

Hello, Starke! As a licensed insurance producer serving our Bradford County community, I appreciate the strong local values that make our area special. My name is June Marcia Williams, and I'm here to help my neighbors navigate their personal insurance options. Whether you're planning for the future with Term, Whole, or Universal Life insurance, or seeking coverage for final expenses, critical illness, or accidents, I can provide personalized guidance. My goal is to help you understand your choices and find a suitable plan to protect your family's financial future. (NPN: 17209549, Florida License No: W840529)

Bradford County Courthouse
Starke City Hall
Bradford High School

NPN17209549FL LicenseW840529

Licensed Final Expense Producers in Starke

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

Adriana Maayan

Life Including Variable Annuity & Health

NPN 20433206 Licensed 2022

Alyse Lauren Larue

Life Including Variable Annuity & Health

NPN 18225667 Licensed 2021

Angelina M Deluca

Life Including Variable Annuity & Health

NPN 20141123 Licensed 2021

Arianna Hilt

Life Including Variable Annuity & Health

NPN 21269491 Licensed 2024

Arreianna Josephine Brown

Life Including Variable Annuity & Health

NPN 20411682 Licensed 2022

Ashlyne Nykole Laxton

Life Including Variable Annuity & Health

NPN 20710116 Licensed 2023

Belinda K Starling

Life Including Variable Annuity & Health

NPN 17846220 Licensed 2016

Bonnie Gail Workman

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

NPN 3993444 Licensed 2001

Breanna L Zimontas

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

NPN 21299749 Licensed 2024

Brent Eugene Loper

Life Including Variable Annuity & Health

NPN 19694383 Licensed 2020

Brittany Fender Davis

Life Including Variable Annuity & Health

NPN 16530521 Licensed 2018

Brittney Denise Payton

Life Including Variable Annuity & Health

NPN 19655221 Licensed 2023

Brooke Higgins

Life Including Variable Annuity & Health

NPN 21540554 Licensed 2025

Charles Scott Roberts

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

NPN 459463 Licensed 1984

Chelsea M'Lyn Ridge

Life Including Variable Annuity & Health

NPN 21130701 Licensed 2024

Christie Faulkner Allen

Life Including Variable Annuity & Health

NPN 19889948 Licensed 2021

Christina Anderson

Life Including Variable Annuity & Health

NPN 20592104 Licensed 2023

Christina Marie Jennings

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

NPN 20399980 Licensed 2024

Christina Marie Stephan

Life Including Variable Annuity & Health

NPN 20231095 Licensed 2022

Christina Nichole Voner

Life Including Variable Annuity & Health

NPN 18159194 Licensed 2023

Christopher Mohart

Life Including Variable Annuity & Health

NPN 20973827 Licensed 2023

Cora Joan Phillips

Life Including Variable Annuity & Health

NPN 20202535 Licensed 2022

Courtnie-Ann Davison Douglas

Life Including Variable Annuity & Health

NPN 17070188 Licensed 2013

Cynthia H Little

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

NPN 465090 Licensed 1996

View all 76 licensed final expense producers in Starke →

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 Starke regional market. Rates are localized using regional health baselines.

Official Starke Resources

County Bradford County

Population ~5,756

Lack of insurance (18–64) 16.2%

FIPS code 1268525

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 Starke rates. Start your quote request below.

FL OIR .GOV Bradford County Gov Portal .GOV

2.3 10 reviews

Photos by Brandon Ludwig , Ma Co , Michael Miller via Google Maps

View on Google Maps

The City of Starke, Florida

Open now · Mon 8:00 AM – 5:00 PM

(904) 964-5027

cityofstarke.org

209 N Thompson St, Starke, FL 32091, USA

Recent Reviews

Michael Miller ★★★★★

"Everytime I come to do Business with the City of Starke, the customer service is always amazing. The staff is helpful and friendly. They run a pretty tight ship. I have not found petty drama, like in …"

R U ★☆☆☆☆

"The system is set up so you can't pay your bill early. But it has no issues generating late fees."

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.

👴

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 Starke

More Insurance Options in Starke, 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.

🏥

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.

Nearby Final Expense Coverage

Read the Full Final Expense Consumer Guide →

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

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

Final Expense Insurance in Starke, FL

Starke, FL — Your Local Producer

Licensed Final Expense Producers in Starke

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Starke 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 Starke, 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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Olustee Life Protection

The Sanderson Legacy Plan

The Five Points Legacy Plan

Fort White Coverage Guide

The Lake City Legacy Plan

Lulu Life Protection

Watertown Coverage Guide

Talk to a real person. Today.

Final Expense Insurance Underwriting Scope

Official Starke Resources