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June Marcia Williams — Licensed Whole 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 ↗

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

Estate protection, tax-deferred growth, and generational wealth.

Whole life insurance for Lauderdale-by-the-Sea, 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 · 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 Whole 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 whole 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.

Whole Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Whole 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

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

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

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

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 + 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

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.

⚖️

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.

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

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Whole Life Insurance FAQ

💰

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

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.

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Personalized Whole Life quotes for Winding Cypress residents — no obligation.

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