June Marcia Williams

Your Insurance Agent in Wilton Manors, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Wilton Manors, FL...

National Producer No.

17209549

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Special Situations Insurance in Wilton Manors, FL

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

Special-situation life insurance for Wilton Manors, 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 · Wilton Manors, FL

Wilton Manors, FL — Your Local Producer

Hello, Wilton Manors! As a fellow resident of vibrant Broward County, I understand the unique character and strong community spirit that defines our 'Island City.' It's a special place, and protecting your family's future here is my priority. As an individual licensed insurance producer, I offer personalized guidance on a range of options, including term life, final expense, and hospital indemnity plans, tailored to your specific needs. My focus is on helping my neighbors navigate their choices with clarity and confidence. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Wilton Drive
Colohatchee Park
Richardson Historic Park and Nature Preserve

NPN17209549FL LicenseW840529

Licensed Special Situations Producers in Wilton Manors

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

Aaron Bataille

Life Including Variable Annuity & Health

NPN 21253342 Licensed 2024

Adam Northrop

Life Including Variable Annuity & Health

NPN 22197029 Licensed 2026

Adriana Feliciano

Life Including Variable Annuity & Health

NPN 17405226 Licensed 2014

Alexandrea Breanna Garcia

Life Including Variable Annuity & Health

NPN 22184556 Licensed 2026

Alisa Durante Schutza

Life Including Variable Annuity & Health

NPN 18252992 Licensed 2016

Andrea Elizabeth Hardaway

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

NPN 21752591 Licensed 2025

Beau Alexander Simon

Life Including Variable Annuity & Health

NPN 22124870 Licensed 2026

Bella Ramirez

Life Including Variable Annuity & Health

NPN 21759401 Licensed 2025

Bernite Abdon

Life Including Variable Annuity & Health

NPN 19356582 Licensed 2019

Blake Charles Presley

Life Including Variable Annuity & Health

NPN 21553922 Licensed 2025

Brian Edward Vodicka

Life Including Variable Annuity & Health

NPN 19285619 Licensed 2019

Brittanie Cassell

Life Including Variable Annuity & Health

NPN 20686886 Licensed 2023

Cara Wolf Presley

Life Including Variable Annuity & Health

NPN 20578243 Licensed 2025

Chad Zani

Life Including Variable Annuity & Health

NPN 20614109 Licensed 2023

Chris Isaak Herrerias

Life Including Variable Annuity & Health

NPN 20984063 Licensed 2023

Christopher Leva

Life Including Variable Annuity & Health

NPN 20699677 Licensed 2023

Ciara Santiago

Life Including Variable Annuity & Health

NPN 21538644 Licensed 2025

Clifton Wayne Eserman

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

NPN 834440 Licensed 1999

Craig Lee Sangerman

Life Including Variable Annuity & Health

NPN 497902 Licensed 1991

Cristina Gabrielle Charles

Life Including Variable Annuity & Health

NPN 20736803 Licensed 2023

Cristina L. Martinez Gonzalez

Life Including Variable Annuity & Health

NPN 19761751 Licensed 2021

Daika Charles

Life Including Variable Annuity & Health

NPN 20758396 Licensed 2023

David Donal Mooney

Life Including Variable Annuity & Health

NPN 20967752 Licensed 2023

David E Britton

Life Including Variable Annuity & Health

NPN 20240624 Licensed 2022

View all 94 licensed special situations producers in Wilton Manors →

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 Wilton Manors regional market. Rates are localized using regional health baselines.

Official Wilton Manors Resources

County Broward County

Population ~11,451

Lack of insurance (18–64) 10.5%

FIPS code 1278000

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 Wilton Manors rates. Start your quote request below.

FL OIR .GOV Broward County Gov Portal .GOV

4.2 33 reviews

Photos by Harrison C. Davies , Herve Andrieu via Google Maps

View on Google Maps

Wilton Manors City Hall

Open now · Mon 7:00 AM – 6:00 PM

(954) 390-2100

wiltonmanors.gov .GOV

2020 Wilton Dr, Wilton Manors, FL 33305, USA

Recent Reviews

Marshall Jackson ★★★★★

"It was such a great pleasure meeting and working with a Wilton Manors city worker this morning. My yard was littered with debris and trash, and he kindly helped me clean it up. What truly caught my at…"

Harrison C. Davies ★★★★☆

"I like the building and it’s always super easy to vote here. Quality of service is great. This is not a review of the town politics as that goes in many directions and is simply nothing out of the ord…"

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.

✅

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 Wilton Manors

More Insurance Options in Wilton Manors, 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 Wilton Manors, FL

Wilton Manors, FL — Your Local Producer

Licensed Special Situations Producers in Wilton Manors

🔑 Special Situations Insurance Underwriting Scope

🏛️ Official Wilton Manors 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 Wilton Manors, 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 Wilton Manors Resources