June Marcia Williams

Your Insurance Agent in Hallandale Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Hallandale Beach, FL...

National Producer No.

17209549

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Special Situations Insurance in Hallandale Beach, FL

June Williams — specialist in DUI, diabetes, cancer history, foreign nationals.

Special-situation life insurance for Hallandale Beach, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — coverage paths for diabetes, heart conditions, and prior diagnoses, 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 · Hallandale Beach, FL

Hallandale Beach, FL — Your Local Producer

Hello, Hallandale Beach! Living here in Broward County offers a special kind of energy, from the excitement at Gulfstream Park to relaxing days by the water. As you enjoy our unique South Florida lifestyle, it's also wise to have a plan for life's uncertainties. My name is June Marcia Williams, and as a licensed insurance producer, I'm here to help my neighbors navigate their options. I specialize in personal insurance solutions like Term Life, Final Expense, and Critical Illness plans, tailored to your specific needs. My goal is to provide clear guidance so you can feel confident about your family's financial future. (NPN: 17209549, Florida License No: W840529)

Gulfstream Park
South City Beach Park
Hallandale Beach City Hall

NPN17209549FL LicenseW840529

Licensed Special Situations Producers in Hallandale Beach

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

Alan Jeffrey Lipson

Life Including Variable Annuity & Health

NPN 382912 Licensed 2022

Aldo A Cardozo

Life Including Variable Annuity & Health

NPN 22131346 Licensed 2026

Aldo Antonio Varesano

Life Including Variable Annuity & Health

NPN 20128366 Licensed 2021

Alejandra Uset Matsumoto

Life Including Variable Annuity & Health

NPN 21025568 Licensed 2023

Alesha Kay Vogel

Life Including Variable Annuity & Health

NPN 21034918 Licensed 2024

Alexander Lewy

Life Including Variable Annuity & Health

NPN 21306535 Licensed 2024

Alexandra Hill

Life Including Variable Annuity & Health

NPN 17981507 Licensed 2020

Alexandria Camara

Life Including Variable Annuity & Health

NPN 20222197 Licensed 2022

Alexis Shary Allen

Life Including Variable Annuity & Health

NPN 17370810 Licensed 2014

Alice Maggie Clark

Life Including Variable Annuity & Health

NPN 21295378 Licensed 2024

Alicia Muirhead-Martin

Life Including Variable Annuity & Health

NPN 17795444 Licensed 2015

Alina Badretdinova

Life Including Variable Annuity & Health

NPN 17432865 Licensed 2014

Allan Antonio Escoto

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

NPN 18560385 Licensed 2021

Alondra Escoto

Life Including Variable Annuity & Health

NPN 21352844 Licensed 2024

Alva E Scott

Life Including Variable Annuity & Health

NPN 21355281 Licensed 2024

Amanda Rabkina

Life Including Variable Annuity & Health

NPN 21760730 Licensed 2025

Amy Masarwe

Life Including Variable Annuity & Health

NPN 8081756 Licensed 2019

Ana Paula Ramirez

Life Including Variable Annuity & Health

NPN 17420726 Licensed 2014

Andor Tobelem

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

NPN 17402770 Licensed 2015

Andrei Avarvarei

Life Including Variable Annuity & Health

NPN 20651607 Licensed 2023

Andres Brinez

Life Including Variable Annuity & Health

NPN 22116365 Licensed 2026

Andrew Sukhin

Life Including Variable Annuity & Health

NPN 2011932 Licensed 2022

Angela January Rodriguez

Life Including Variable Annuity & Health

NPN 19492110 Licensed 2020

Angela Toenniessen

Life Including Variable Annuity & Health

NPN 19539868 Licensed 2020

View all 320 licensed special situations producers in Hallandale Beach →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Special Situations Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Special Situations Insurance across the Hallandale Beach regional market. Rates are localized using regional health baselines.

Official Hallandale Beach Resources

County Broward County

Population ~41,102

Lack of insurance (18–64) 19.7%

FIPS code 1228452

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 Hallandale Beach rates. Start your quote request below.

FL OIR .GOV Broward County Gov Portal .GOV

3.5 59 reviews

Photos by Marlon Pereira , Charles Gutemberg , Carlos Mendoza , Stephan Molnar via Google Maps

View on Google Maps

City of Hallandale Beach

Open now · Mon 7:30 AM – 6:00 PM

(954) 457-1489

cohb.org

400 S Federal Hwy, Hallandale Beach, FL 33009, USA

Recent Reviews

Marlon Pereira ★☆☆☆☆

"Car was flooded last Friday as was all of the horrible city of Hallandale beach. The cherry on top is that the city sent out its parking enforcement to put tickets on broken down vehicles. Geico could…"

Myriam Riofrio ★☆☆☆☆

"Utilities Manager does not work ! It's 8 months since I closed my water account and I still have not received my deposit refund of $200. It shows no organization at all! And no respect for Consumers…"

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 Special Situations Guide →

Select your coverage below to see your price in seconds.

Tell Us About Your Situation

Judgment-free coverage for unique health or lifestyle needs — no obligation — let June find your best match

What best describes your situation?

❌ Previously Declined

🏥 Pre-Existing Condition

👴 Senior (65+)

⚠️ High-Risk Occupation

🌍 Foreign National / Visa

🚬 Tobacco / Cannabis Use

🚗 DUI / Driving History

❓ Other / Not Sure

✅

We can help with your situation!

June specializes in hard-to-place cases — pre-existing conditions, prior declines, high-risk occupations, and more. Enter your contact info so she can review your situation personally.

Your Name

Phone Number

Email Address

Brief description of your situation (optional)

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

Confidential · Never shared · June responds within 30 min

✅

Review Request Sent!

June will review your situation and call you within 30 minutes 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

Compare Plans

Special Situations Options

Most Common

Health Challenges

Pre-existing conditions & declines

Diabetes, heart disease, cancer history
Table-rated underwriting (A-H)
Guaranteed issue (no health questions)
Graded benefit whole life
Multiple carriers = more options

Get Quote

Age & Lifestyle

Seniors, tobacco, DUI history

Issue ages up to 85 (final expense)
Tobacco/cannabis classes available
DUI: eligible after 5 years (most carriers)
Simplified issue — no exam
No-lapse guaranteed coverage

Get Quote

Non-Standard Risks

Foreign nationals, hazardous jobs

Green card + select visa holders
Hazardous occupations evaluated
Aviation exclusion riders
Foreign travel considerations
ITIN program eligible

Get Quote

📖 Special Situations Knowledge

Coverage Options for Pre-Existing Conditions & Special Cases

🚫

Why People Get Declined

Common reasons: diabetes, heart disease, cancer history, obesity, mental health conditions, DUI, hazardous occupation, or tobacco use. But a decline from one carrier doesn't mean no coverage. Different carriers have different underwriting guidelines — what's a decline at Company A might be standard at Company B. June shops across 7 carriers to find your best option.

📊

Table Ratings Explained

Table ratings (A through H) are premium surcharges for applicants who don't qualify for standard rates. Table A = 25% above standard, Table H = 200% above standard. Each table adds approximately 25%. This sounds expensive, but table-rated coverage is still real coverage — and it's infinitely better than no coverage. Many conditions that were Table D five years ago are now Standard.

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Guaranteed Issue: No Questions Asked

Guaranteed issue means exactly what it sounds like — you cannot be declined. No health questions, no medical exam, no blood work. The tradeoff: coverage amounts are lower ($5K-$50K typically) and there's usually a 2-3 year graded benefit period. After the waiting period, full death benefit applies. For people who've been declined everywhere else, this is the safety net.

🌍

Foreign Nationals & Visa Holders

Coverage available for Green Card holders and select visa types (E-1, E-2, H-1B, L-1, and their dependents). Requirements: valid immigration docs, 12+ months US residency, $20K+ annual income from US sources. Some carriers also accept ITIN candidates. Living benefit riders (chronic/critical illness) available to permanent residents. June navigates the immigration + insurance intersection.

🚬

Tobacco, Cannabis & Substance Use

Tobacco users pay higher premiums but are absolutely insurable. Most carriers have separate tobacco rate classes. Cannabis: Several of our carrier partners treat occasional marijuana use as non-tobacco if no other tobacco products are used. Substance abuse history: Generally requires 3-5 years clean with no treatment. Each carrier evaluates differently — June knows which ones are most lenient.

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Florida Consumer Protections

Florida law prohibits unfair discrimination in life insurance underwriting — decisions must be based on actuarial data, not arbitrary factors. All policies include a 14-day free-look period (Fla. Stat. § 627.4554). Guaranteed issue policies cannot impose pre-existing condition exclusions beyond the graded benefit period stated in the policy. June advocates for your right to coverage under Florida insurance regulations.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. 7 carriers, 33 products.

Life Insurance in Hallandale Beach

More Insurance Options in Hallandale Beach, FL

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

Special Situations FAQ

🚫

I was declined — can I still get coverage?

Almost certainly yes. A decline from one carrier doesn't mean uninsurable. June works with 7 carriers with different guidelines. Guaranteed issue options exist where no one is turned away.

🏥

Can I get coverage with diabetes?

Yes. Well-controlled diabetes (Type 1 or 2) can often qualify for table-rated coverage. Some carriers are more favorable than others. June matches your specific health profile to the most lenient underwriter.

👴

Is there coverage for people over 80?

Yes. Final expense and guaranteed issue products are available up to age 85. No medical exam required. Coverage amounts typically $5,000-$35,000 with level premiums for life.

🚗

Can I get coverage with a DUI on my record?

Yes, typically after 5 years. Most carriers require no DUI or reckless driving in the past 5 years for standard rates. Some offer coverage sooner at table ratings. June knows which carriers are most flexible.

🌍

Can non-US citizens get life insurance?

Yes. Green card holders and select visa types (E, H-1B, L-1) are eligible. Requirements include valid docs, 12+ months US residency, and US-based income. ITIN candidates may also qualify.

Nearby Special Situations Coverage

Read the Full Special Situations 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

Special Situations Insurance in Hallandale Beach, FL

Hallandale Beach, FL — Your Local Producer

Licensed Special Situations Producers in Hallandale Beach

🔑 Special Situations Insurance Underwriting Scope

🏛️ Official Hallandale Beach Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Tell Us About Your Situation

Review Request Sent!

Special Situations Options

Health Challenges

Age & Lifestyle

Non-Standard Risks

Coverage Options for Pre-Existing Conditions & Special Cases

Why People Get Declined

Table Ratings Explained

Guaranteed Issue: No Questions Asked

Foreign Nationals & Visa Holders

Tobacco, Cannabis & Substance Use

Florida Consumer Protections

More Insurance Options in Hallandale Beach, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Special Situations FAQ

I was declined — can I still get coverage?

Can I get coverage with diabetes?

Is there coverage for people over 80?

Can I get coverage with a DUI on my record?

Can non-US citizens get life insurance?

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Talk to a real person. Today.

Special Situations Insurance Underwriting Scope

Official Hallandale Beach Resources