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June Marcia Williams — Licensed Critical Illness Insurance Agent in Lauderdale-by-the-Sea, FL
June Marcia Williams
Your Insurance Agent in Lauderdale-by-the-Sea, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Lauderdale-by-the-Sea, FL...
National Producer No.
17209549
Verify ↗

Critical Illness Insurance in Lauderdale-by-the-Sea, FL

Fill the gap between health insurance and real-life costs.

Critical illness insurance for Lauderdale-by-the-Sea, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — lump-sum benefits paid on diagnosis of cancer, heart attack, or stroke, 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 · Lauderdale-by-the-Sea, FL

Lauderdale-by-the-Sea, FL — Your Local Producer

As a fellow South Floridian, I deeply appreciate the unique coastal charm and small-town feel of Lauderdale-by-the-Sea. It’s a special corner of Broward County, and helping my neighbors here protect what matters most is my priority. I’m June Marcia Williams, a licensed insurance producer, and I offer personalized guidance on a range of options, from Term and Whole Life to Final Expense and Critical Illness plans. My focus is on helping you understand your choices so you can secure your family’s financial future with confidence. (NPN: 17209549, Florida License No: W840529)

  • Anglin's Fishing Pier
  • Lauderdale-By-The-Sea Town Hall
  • El Prado Park
NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Lauderdale-by-the-Sea

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

AM
Alfred F Marsicano
Life Including Variable Annuity & Health
NPN 379371 Licensed 2018
AC
Alyssa Coleman
Life Including Variable Annuity & Health
NPN 22128768 Licensed 2026
AA
Anabella Carolina Aguilar
Life Including Variable Annuity & Health
NPN 11405761 Licensed 2008
AR
Andrew Ripley
Life Including Variable Annuity & Health
NPN 17492208 Licensed 2015
AL
Ariana Lemos
Life Including Variable Annuity & Health
NPN 22109258 Licensed 2026
BI
Brad M Iroff
Life Including Variable Annuity & Health
NPN 3387959 Licensed 2018
BR
Brooke Nicole Remy
Life Including Variable Annuity & Health
NPN 20717445 Licensed 2023
CY
Caitlin Shay Young
Life Including Variable Annuity & Health
NPN 21172766 Licensed 2024
CG
Carl Giarraffa
Life Including Variable Annuity & Health
NPN 22270245 Licensed 2026
CG
Chadia Nemr Ghanem
Life Including Variable Annuity & Health
NPN 19367696 Licensed 2019
CS
Chase Alexander Schottke
Life Including Variable Annuity & Health
NPN 20761479 Licensed 2023
CC
Cheryl Y Comer
Life Including Variable Annuity & Health
NPN 3693341 Licensed 2000
CW
Courtney Wittenberns
Life Including Variable Annuity & Health
NPN 18682573 Licensed 2018
CF
Crystal Fernandes
Life Including Variable Annuity & Health
NPN 22106879 Licensed 2026
CF
Cynthia Faublas
Life Including Variable Annuity & Health
NPN 20467550 Licensed 2022
DT
Deborah Lynn Taylor
Life Including Variable Annuity & Health
NPN 20567797 Licensed 2022
DH
Douglas Dale Hopper
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 16800013 Licensed 2012
EM
Emily Moran
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 18472021 Licensed 2020
ED
Erla Dema
Life Including Variable Annuity & Health
NPN 21709938 Licensed 2025
FG
Fredrick Warren Grubb
Life Including Variable Annuity & Health
NPN 8805974 Licensed 2017
GS
Genevieve Bonnie Smart
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 4779051 Licensed 2009
JS
Jamie Ann Stroud
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 18345186 Licensed 2017
JW
Jason Womack
Life Including Variable Annuity & Health
NPN 21090858 Licensed 2024
JS
Jeffrey Steven Seltzer
Life Including Variable Annuity & Health
NPN 502319 Licensed 1994
View all 47 licensed critical illness producers in Lauderdale-by-the-Sea →

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

Critical Illness Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Critical Illness Insurance across the Lauderdale-by-the-Sea regional market. Rates are localized using regional health baselines.

Official Lauderdale-by-the-Sea Resources

County Broward County
Population ~6,202
Lack of insurance (18–64) 9.6%
FIPS code 1239475

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 Lauderdale-by-the-Sea rates. Start your quote request below.

Google Maps
4.4 40 reviews
Lauderdale-By-The-Sea Town Hall photo 1Lauderdale-By-The-Sea Town Hall photo 2Lauderdale-By-The-Sea Town Hall photo 3Lauderdale-By-The-Sea Town Hall photo 4
Lauderdale-By-The-Sea Town Hall
Open now · Mon 8:30 AM – 4:30 PM
4501 N Ocean Dr, Lauderdale-By-The-Sea, FL 33308, USA
Recent Reviews
RJ and Family ★★★★★
"Cute little City Hall filled with competent people. One of my favorite cities to visit as I live close and it is beautiful here. Definitely needs an exterior cleaning. I’m sure that’s a seasonal need."
karli Simone ★☆☆☆☆
"This review is 2 MONTHS-overdue and I told myself if it still irked me this much to just leave my review so I will do just that. I parked on the beach, paid, and was behind another car and got a tic…"
About Your Agent

Why Choose June?

A-Rated Security

Backed exclusively by top-tier, vertically integrated carrier capacity.

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Algorithmic rate classifications drop processing times down to seconds.

Direct Pricing

Zero intermediary markup structures ensuring wholesale underwriting parity.

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Instant localized digital enrollment without offline processing roadblocks.

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Focus on recovery, not medical bills — no obligation — tailored quotes from leading providers

You may qualify for coverage!

Based on your selections, June can compare rates from multiple A-rated carriers. Enter your contact info below so she can reach out with your personalized options.

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Or call now: (908) 339-7723

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Critical Illness Options

Cancer Only

Diagnosis-triggered lump sum
  • 100% lump sum on cancer diagnosis
  • $300 skin cancer benefit
  • $75/yr annual care for 5 years
  • Option B: $200/day hospital
  • Option B: $50/yr wellness screening
Get Quote

Heart & Stroke Only

Cardiovascular protection
  • 100% lump sum: heart attack or stroke
  • 50% for coronary artery bypass
  • 25% for angioplasty, stent, TIA
  • End-stage renal failure covered
  • Option B: $50/yr wellness screening
Get Quote

Everything You Need to Know About Critical Illness Insurance

🏥

What Is Critical Illness Insurance?

Critical illness insurance pays a one-time, tax-free lump sum if you're diagnosed with a covered condition — cancer, heart attack, stroke, or other specified illnesses. It's not health insurance. It's income replacement when you can't work. Use the cash for anything: treatment copays, mortgage payments, childcare, travel to specialists, or lost wages.

💲

How the Lump Sum Works

Choose a benefit amount from $10,000 to $100,000. If diagnosed with a covered condition, you receive the full lump sum (or a percentage for lesser conditions like TIA or skin cancer). The money is paid directly to you — not the hospital, not the insurance company. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, scaling to 100% after 61 months.

🎗️

What Conditions Are Covered?

Cancer: All invasive cancers (100% lump sum), carcinoma in-situ (25%), skin cancer ($300). Heart & Stroke: Heart attack (100%), stroke (100%), coronary artery bypass (50%), angioplasty/stent (25%), TIA (25%). Combined plans also cover end-stage renal failure. All conditions must be first-time diagnoses after the policy effective date.

💎

Option A vs. Option B

Option A: Lump sum only — simple, clean, one payment on diagnosis. Option B: Lump sum PLUS hospital confinement ($200/day for days 1-30, $400/day for 31+), wellness screening benefit ($50-$100/year for preventative care), and radiation/chemo benefits ($200/day). Option B costs more but provides ongoing support during treatment.

⚕️

Health Insurance Gap Coverage

Health insurance covers medical bills. But it doesn't cover your mortgage, car payment, groceries, or childcare while you're in treatment. The average cancer patient faces $12,000+ in out-of-pocket costs in the first year alone — and that's with insurance. Critical illness insurance fills the gap between what health insurance covers and what life actually costs during a health crisis.

⚖️

Florida Consumer Protections

Florida requires a 14-day free-look period on all supplemental health policies (Fla. Stat. § 627.4554). Critical illness policies typically have a 12-month pre-existing condition lookback — conditions diagnosed or treated in the 12 months before your effective date are excluded during the first policy year. After that, full coverage applies. All policies are guaranteed renewable for life.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated supplemental health carriers.

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Critical Illness Insurance FAQ

💰

How much does critical illness insurance cost?

Premiums vary by age, coverage type, and benefit amount. Coverage is affordable for most families. June provides personalized quotes based on your specific situation — no obligation.

🏥

Is a medical exam required?

No medical exam. Eligibility is based on health questions at point of sale. Pre-existing conditions within the past 12 months may affect eligibility for specific coverage types.

🔄

Can I claim more than once?

Yes. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, 40% after 25 months, scaling to 100% after 61 months since the previous diagnosis. The scale resets after each claim.

❤️

What if I have a family history of cancer or heart disease?

Family history alone does not disqualify you. Eligibility depends on your personal health history. Certain current conditions may affect which coverage type you qualify for. June helps navigate the options.

📋

Does this replace health insurance?

No. Critical illness insurance supplements health insurance. Health insurance covers medical bills. Critical illness insurance covers everything else — mortgage, bills, lost income, childcare. They work together.

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