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June Marcia Williams — Licensed Term Life 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 ↗

Term Life Insurance in Lauderdale-by-the-Sea, FL

Income replacement, mortgage protection, and key person coverage.

Term life insurance for Lauderdale-by-the-Sea, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — level premiums for 10, 20, or 30 years and tax-free death benefit, 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 Term Life 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 term life 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.

Term Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Term Life 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.

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.

Select your coverage below to see your price in seconds.

See If You Pre-Qualify in 60 Seconds

Fast, personalized quotes — no obligation — no medical exam up to $400K

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.

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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

Term Life Options

10-Year Term

Lowest monthly cost
Complete the quick form above to see your estimate
  • Level premium for 10 years
  • Issue ages 18-80
  • No exam up to $400K
  • Convertible to permanent
  • Renewable to age 100
Get Quote

30-Year Term

Maximum protection
Complete the quick form above to see your estimate
  • Level premium for 30 years
  • Issue ages 18-55
  • No exam up to $400K
  • Convertible to permanent
  • Locks rate til retirement
Get Quote

Everything You Need to Know About Term Life Insurance

🛡️

What Is Term Life Insurance?

Term life is pure death benefit protection for a set period — 10, 20, or 30 years. If you die during the term, your beneficiaries receive a tax-free lump sum. If you outlive the term, the policy expires. No cash value, no investment component. It's the most affordable type of life insurance because you're only paying for the death benefit.

💲

How Much Does Term Life Cost?

A healthy 30-year-old can get a $500,000 20-year term policy for under $25/month. Rates depend on age, health, tobacco use, coverage amount, and term length. Shorter terms cost less. Women typically pay less than men. Life insurance premiums paid by the policyowner are not subject to a state sales tax in any U.S. state.

🔄

Can I Convert to Permanent Later?

Most quality carriers include a conversion privilege — the right to convert your term policy to whole life or universal life without a new medical exam. This is critical: if your health changes during the term, conversion lets you keep coverage. June only recommends carriers with strong conversion options.

📊

How Much Coverage Do I Need?

The DIME method: Debt + Income replacement + Mortgage + Education. Add up what your family needs if you're gone. A common shortcut: 10-12× your annual income. A family earning $75K needs roughly $750K-$900K. June provides a free needs analysis to find your exact number.

🏥

Do I Need a Medical Exam?

Traditional fully-underwritten term life requires a brief paramedical exam (blood draw, blood pressure, height/weight) — this typically qualifies you for the lowest premiums. No-exam options exist through accelerated underwriting for coverage up to $500K, but premiums are 15-30% higher. June helps you decide which path makes sense for your situation.

⚖️

Florida Life Insurance Consumer Rights

Florida law provides a 14-day free-look period — return any policy within that window for a full refund (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing guaranteed and non-guaranteed values. Your agent must disclose all compensation. June operates under a fiduciary mindset: your needs first, always.

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

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.

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Term Life Insurance FAQ

💰

How much does term life cost in Lauderdale-by-the-Sea?

A healthy 35-year-old can get $500K coverage for around $28/month on a 20-year term. Rates vary by age, health, and coverage amount.

📅

What term lengths are available?

10-year, 20-year, and 30-year terms. Shorter terms cost less. Longer terms lock in your rate. June helps you find the right fit.

🔄

Can I convert to whole life later?

Most carriers offer conversion without a new medical exam. Valuable safety net if your health changes down the road.

🏥

Do I need a medical exam?

Traditional term life requires a brief exam for lower premiums. No-exam options available at slightly higher premiums for quick coverage.

📊

How much coverage do I need?

Guideline: 10-12x annual income. A family earning $60K/year needs $600K-$720K. June provides free needs analysis.

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