June Marcia Williams

Your Insurance Agent in Melbourne Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Melbourne Beach, FL...

National Producer No.

17209549

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Final Expense Insurance in Melbourne Beach, FL

Coverage from $5,000 to $50,000. Premiums never increase.

Final expense insurance for Melbourne Beach, 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 · Melbourne Beach, FL

Melbourne Beach, FL — Your Local Producer

As a fellow resident of the Space Coast, I understand the unique lifestyle we cherish here in Brevard County, especially in a beautiful barrier island town like Melbourne Beach. From watching the sea turtles nest to enjoying the tranquility of the Indian River Lagoon, life here is truly special. As your local licensed insurance producer, I am dedicated to helping my neighbors find personal insurance solutions that fit their needs. I provide clear, one-on-one guidance to help you protect your family's financial future. Let's connect and review your options. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Melbourne Beach Town Hall
Ryckman Park
Gemini Elementary School

NPN17209549FL LicenseW840529

Licensed Final Expense Producers in Melbourne Beach

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

Alexis Nicole Poling

Life Including Variable Annuity & Health

NPN 17034236 Licensed 2013

Annetta Marie Speicher

Life Including Variable Annuity & Health

NPN 19642307 Licensed 2020

April Norris

Life Including Variable Annuity & Health

NPN 21459253 Licensed 2025

Cole Alexander Smith

Life Including Variable Annuity & Health

NPN 21472995 Licensed 2025

Colleen Lynn Mcglamry

Life Including Variable Annuity & Health

NPN 1918836 Licensed 1998

Cynthia Kruse Mitchell

Life Including Variable Annuity & Health

NPN 19648987 Licensed 2020

Daniel Arthur Narlock

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

NPN 7045627 Licensed 2005

Diane L Roberts-Wieder

Life Including Variable Annuity & Health

NPN 457274 Licensed 1990

Donna Josephine Polizzi Quinones

Life Including Variable Annuity & Health

NPN 17859763 Licensed 2019

Eric John Beerensson

Life Including Variable Annuity & Health

NPN 2826489 Licensed 1999

George August Walters

Life Including Variable Annuity & Health

NPN 8694038 Licensed 2006

Jack Murphy

Life Including Variable Annuity & Health

NPN 20467534 Licensed 2022

James Michael Mullen

Life Including Variable Annuity & Health

NPN 614805 Licensed 1989

Jason Regan

Life Including Variable Annuity & Health

NPN 17988922 Licensed 2016

Jerome W Farley

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

NPN 14726147 Licensed 2024

Jessica Anne Rosborough

Life Including Variable Annuity & Health

NPN 19593718 Licensed 2020

Jimmie Dean Canole

Life Including Variable Annuity & Health

NPN 573494 Licensed 1992

Joe R Hunnicutt

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

NPN 14988442 Licensed 2021

John Douglas Lenaeus

Life Including Variable Annuity & Health

NPN 22157143 Licensed 2026

John Michael Coates

Life Including Variable Annuity & Health

NPN 20579945 Licensed 2023

Kaia Eaton

Life Including Variable Annuity & Health

NPN 22096871 Licensed 2026

Keith Mitchell Henry

Life Including Variable Annuity & Health

NPN 533779 Licensed 1987

Kendra Juarez

Life Including Variable Annuity & Health

NPN 15292417 Licensed 2024

Kimberly Adkinson-Cowles

Life Including Variable Annuity & Health

NPN 16828774 Licensed 2012

View all 37 licensed final expense producers in Melbourne Beach →

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 Melbourne Beach regional market. Rates are localized using regional health baselines.

Official Melbourne Beach Resources

County Brevard County

Population ~3,214

Lack of insurance (18–64) 6.6%

FIPS code 1244000

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 Melbourne Beach rates. Start your quote request below.

FL OIR .GOV Brevard County Gov Portal .GOV

4.8 4 reviews

Photos by Dominique Susini , Suzanne Mathieu - Space Coast Real Estate Expert , Hollis Adams , Herve Andrieu via Google Maps

View on Google Maps

Town of Melbourne Beach

Open now · Mon 8:30 AM – 4:30 PM

(321) 724-5860

melbournebeachfl.org

507 Ocean Ave, Melbourne Beach, FL 32951, USA

Recent Reviews

Hollis Adams ★★★★★

"Yoga in the Ryckman park, instructor did a great job, perfect setting, social distancing. Wonderful sunset. 5:30 on Tuesday nights."

David Hart ★★★★★

"Nice place to live."

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 Melbourne Beach

More Insurance Options in Melbourne Beach, 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

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Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Final Expense Insurance in Melbourne Beach, FL

Melbourne Beach, FL — Your Local Producer

Licensed Final Expense Producers in Melbourne Beach

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Melbourne Beach 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 Melbourne Beach, 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 Melbourne Beach Resources