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

Verify ↗

Whole Life Insurance in Melbourne Beach, FL

Fixed premiums, guaranteed growth, dividends available.

Whole life insurance for Melbourne Beach, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — permanent coverage with guaranteed cash value and dividend potential, 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 Whole Life 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 whole life 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.

Whole Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Whole Life 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 Whole Life Guide →

Select your coverage below to see your price in seconds.

See If You Pre-Qualify in 60 Seconds

Lifelong protection & guaranteed rates — no obligation — expert guidance tailored to you

How much lifetime coverage do you need?

$50K

$100K

$250K

$500K

$1M

$2M

What's most important to you?

Family Protection

Cash Value Growth

Estate Planning

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Never

Quit 5+ yrs

Quit 1-5 yrs

Current

Have you ever been treated for high blood pressure?

Yes

Have you ever been treated for high cholesterol?

Yes

Have you been diagnosed with or treated for diabetes?

Yes

Has a parent died before age 65 from heart disease or cancer?

Yes

Any DUI/DWI in the past 5 years?

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 premium Select your coverage and add your date of birth and gender above for your premium range.

Whole life premiums vary far less by health class than term — a tight range is the real shape of this market. The low end of this range reflects a preferred-plus applicant (best health, non-tobacco) and the high end a standard class; a person's exact class — and therefore their premium — is set by the carrier after full underwriting, which usually includes a medical exam, and someone in a substandard or impaired-risk class can pay more than the high end. Unlike term, this premium is level for life and the coverage is permanent: it does not expire or re-price as you age. Whole life also builds cash value over time, but how much depends on the carrier's guarantees and, for participating policies, its dividend scale — so no cash-value figure is shown here, and a cash-value illustration is a licensed-producer conversation. This is an educational premium illustration, not a policy, quote, or offer; the exact premium and any cash value are set by the carrier.

Compare Plans

Whole Life Options

Live Well Plus

Participating whole life

Coverage never expires
Fixed premium, paid up at 100
Guaranteed cash value
Eligible for dividends
Issue ages 18-60, up to $2M

Get Quote

Live Well Plus + PUA Rider

Supercharged cash value

Everything in base plan
Flexible extra payments
Up to $200K/yr additional
6% expense charge only
Tax-deferred growth

Get Quote

Live Well Plus + Term Rider

Maximum death benefit

Permanent base + term boost
10, 15, or 20-year rider
Rider convertible to permanent
Lower cost than all whole life
Guaranteed insurability option

Get Quote

📖 Whole Life Knowledge

Everything You Need to Know About Whole Life Insurance

💎

What Is Whole Life Insurance?

Whole life is permanent life insurance that covers you for your entire life — not a set term. Premiums are fixed at the time of purchase and never increase. Every policy builds guaranteed cash value that grows tax-deferred. It's both a death benefit and a living financial asset.

📈

How Cash Value Works

A portion of every premium payment goes into a cash value account that grows at a guaranteed rate set by the carrier. This cash value is yours — borrow against it, withdraw it, or use it to pay premiums later. With participating policies, you may also receive annual dividends that accelerate growth.

🔄

Whole Life vs. Term Life

Term life is temporary and cheaper. Whole life is permanent and builds wealth. Term is renting; whole life is owning. Many families use both: term for the high-coverage years (mortgage, kids), whole life for lifetime needs (estate, legacy, final expenses). June helps you find the right balance.

🏦

Policy Loans & Living Benefits

Once cash value accumulates, you can take policy loans at competitive rates — no credit check, no approval process. Use it for emergencies, opportunities, or supplemental retirement income. Some carriers also offer accelerated death benefit riders for terminal or chronic illness — access to benefits while alive.

👶

Whole Life for Children

A children's whole life policy locks in insurability for life at the lowest possible rate. Even if your child develops health issues later, they keep their coverage. The cash value grows over decades — a head start on financial security. Many parents use it as a first financial gift that compounds for 60+ years.

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Florida Consumer Protections

Florida requires carriers to provide policy illustrations showing guaranteed and non-guaranteed values before purchase. You get a 14-day free-look period to return any policy for a full refund (Fla. Stat. § 627.4554). Your agent must disclose all compensation. June operates with full transparency — your interests first.

🎓 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 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense

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

Whole Life Insurance FAQ

💰

How much does whole life cost in Melbourne Beach?

Premiums depend on age, health, and coverage. A healthy 35-year-old can expect $140-$180/month for $250K. Premiums are fixed for life.

📈

What is the cash value benefit?

Your policy builds guaranteed cash value over time, growing tax-deferred. Borrow against it, use for emergencies, or supplement retirement.

⚖️

Whole life vs. term life?

Term expires after 10-30 years. Whole life covers you forever, builds cash value, and has fixed premiums. Costs more but never expires.

🏥

Can I get whole life with no exam?

Yes. Non-medical underwriting available up to $250K for ages 18-55. No exams, no blood work — decisions in under 10 minutes.

🏦

Can I borrow from my policy?

Yes. Once cash value accumulates, you can take policy loans at competitive rates. No credit check, no approval process — it's your money.

Nearby Whole Life Coverage

Read the Full Whole Life 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

Whole Life Insurance in Melbourne Beach, FL

Melbourne Beach, FL — Your Local Producer

Licensed Whole Life Producers in Melbourne Beach

💎 Whole Life Insurance Underwriting Scope

🏛️ Official Melbourne Beach Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Pre-Qualify in 60 Seconds

Quote Request Received!

Whole Life Options

Live Well Plus

Live Well Plus + PUA Rider

Live Well Plus + Term Rider

Everything You Need to Know About Whole Life Insurance

What Is Whole Life Insurance?

How Cash Value Works

Whole Life vs. Term Life

Policy Loans & Living Benefits

Whole Life for Children

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

Whole Life Insurance FAQ

How much does whole life cost in Melbourne Beach?

What is the cash value benefit?

Whole life vs. term life?

Can I get whole life with no exam?

Can I borrow from my policy?

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Talk to a real person. Today.

Whole Life Insurance Underwriting Scope

Official Melbourne Beach Resources