June Marcia Williams

Your Insurance Agent in Citrus Springs, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Citrus Springs, FL...

National Producer No.

17209549

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Final Expense Insurance in Citrus Springs, FL

Irrevocable burial trusts, Medicaid-exempt assets, estate protection.

Final expense insurance for Citrus Springs, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — simplified-issue funeral and burial coverage from age 50 to 85, 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 · Citrus Springs, FL

Citrus Springs, FL — Your Local Producer

For those of us who call Citrus Springs home, we appreciate the quiet, natural beauty that defines life in Citrus County. I'm June Marcia Williams, a local licensed insurance producer dedicated to helping my neighbors secure their financial futures. Whether you're planning for the long term with Term, Whole, or Universal Life insurance, or seeking protection for unexpected events with Critical Illness or Final Expense plans, I can help you navigate your options. My goal is to provide clear, personalized guidance so you can make confident decisions for your family. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Citrus Springs Elementary School
Citrus Springs Community Center
Withlacoochee State Trail

NPN17209549FL LicenseW840529

Licensed Final Expense Producers in Citrus Springs

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

Aaron Butterworth

Life Including Variable Annuity & Health

NPN 22148393 Licensed 2026

Alan Dale Shetter

Life Including Variable Annuity & Health

NPN 19291056 Licensed 2019

Alexander Carl Cassell

Life Including Variable Annuity & Health

NPN 20321352 Licensed 2022

Alexander Sebastian Saperstein

Life Including Variable Annuity & Health

NPN 20034104 Licensed 2021

Alexia Paige Mcclellan

Life Including Variable Annuity & Health

NPN 21448416 Licensed 2025

Alfredo Arenas

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

NPN 587110 Licensed 2008

Alyssa Alvarado

Life Including Variable Annuity & Health

NPN 22134265 Licensed 2026

Anamaria Niotis

Life Including Variable Annuity & Health

NPN 18563061 Licensed 2019

Andrew David Hill

Life Including Variable Annuity & Health

NPN 19455106 Licensed 2020

Andrew William Culp

Life Including Variable Annuity & Health

NPN 21539382 Licensed 2025

Angela Bechtel

Life Including Variable Annuity & Health

NPN 21688280 Licensed 2025

Angela M Gaviria

Life Including Variable Annuity & Health

NPN 20420291 Licensed 2025

Ann Marie Morin

Life Including Variable Annuity & Health

NPN 16351633 Licensed 2011

April Joiner

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

NPN 9002791 Licensed 2015

Ashley Lorrin Rae Voorhees

Life Including Variable Annuity & Health

NPN 21674984 Licensed 2025

Austin Jordan Smith

Life Including Variable Annuity & Health

NPN 21138313 Licensed 2024

Barbara Jane Ellison

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

NPN 449323 Licensed 1973

Blake Courtney

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

NPN 19688489 Licensed 2023

Bradford Jay Filsinger

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

NPN 625142 Licensed 1983

Brenda Lee Lopez

Life Including Variable Annuity & Health

NPN 20820564 Licensed 2023

Brian Rogers

Life Including Variable Annuity & Health

NPN 16523096 Licensed 2012

Carib Glasco

Life Including Variable Annuity & Health

NPN 21047277 Licensed 2024

Cesar Diaz Zepeda

Life Including Variable Annuity & Health

NPN 19822872 Licensed 2021

Cheryl Polk

Life Including Variable Annuity & Health

NPN 21233686 Licensed 2024

View all 93 licensed final expense producers in Citrus Springs →

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

Final Expense Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Final Expense Insurance across the Citrus Springs regional market. Rates are localized using regional health baselines.

Official Citrus Springs Resources

County Citrus County

Population ~11,074

Lack of insurance (18–64) 13.5%

FIPS code 1212450

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 Citrus Springs rates. Start your quote request below.

FL OIR .GOV Citrus County Gov Portal .GOV

Photos by jc mccall , Nobby , Erica Sauve , Speaking River via Google Maps

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Citrus Springs

Citrus Springs, FL, USA

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 Final Expense Guide →

Select your coverage below to see your price in seconds.

See If You Qualify — No Exam Required

Remove the financial burden from loved ones — no obligation — guaranteed acceptance options available

How much burial coverage do you need?

$5K

$10K

$15K

$20K

$25K

$35K

What matters most to you?

Funeral Costs

Medical Bills

Both

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Yes

Have you been diagnosed with or treated for cancer, heart disease, stroke, COPD, or organ failure?

Yes

Have you been hospitalized in the past 2 years (other than for routine procedures)?

Yes

Do you currently use a wheelchair, oxygen, or receive home health care?

Yes

Have you been diagnosed with diabetes requiring insulin?

Yes

First Name

Last Name

Phone

Zip Code

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

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.

✅

Quote Request Received!

June will contact you within minutes with personalized quotes 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

Your illustrative monthly estimate Example: $10,000 coverage — select your amount above for your range.

Compare Plans

Final Expense Options

Best Value

Preferred Plan

Full benefit from day one

100% death benefit immediately
Ages 50-85, up to $35K
No medical exam
Accidental Death rider available
Terminal illness rider included

Get Quote

Standard Plan

Full benefit from day one

100% death benefit immediately
Ages 50-85, up to $20K
No medical exam
Some health conditions OK
Level premiums for life

Get Quote

Guaranteed Issue Plan

Graded benefit — guaranteed

Years 1-2: premiums + 10% interest
Year 3+: full death benefit
Ages 50-80, up to $15K
No medical exam
Accidental death = full benefit yr 1

Get Quote

📖 Final Expense Knowledge

Everything You Need to Know About Final Expense Insurance

🕊️

What Is Final Expense Insurance?

Final expense is a small whole life policy designed to cover end-of-life costs — funeral, burial, cremation, outstanding medical bills, and legal fees. Coverage typically ranges from $5,000 to $50,000. Unlike traditional whole life, final expense is simplified issue — no medical exam, no blood work, just health questions.

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How Much Does a Funeral Cost in Florida?

According to the Choice Mutual 2026 / NFDA 2023, the median cost of a traditional funeral with burial in Florida is $8,023. The national median is $8,300. Cremation is less ($3,000–$6,000) but still a significant expense. Final expense insurance covers these costs so your family doesn't have to.

✅

Guaranteed Issue vs. Simplified Issue

Simplified issue (preferred/standard plans): answer health questions, no exam, immediate full benefit if approved. Guaranteed issue (guaranteed acceptance plans): no health questions at all — everyone qualifies — but has a 2-3 year graded benefit waiting period. Accidental death pays full benefit from day one on both.

🏦

Irrevocable Burial Trusts & Medicaid

In Florida, an irrevocable burial trust funded by a final expense policy is exempt from Medicaid asset calculations. Florida exempts irrevocable prepaid funeral contracts with no dollar cap (Fla. Admin. Code R. 65A-1.712, SSI-Related Medicaid Resource Eligibility Criteria). See Florida guidance. June helps structure these correctly.

👴

Who Should Get Final Expense?

Final expense is designed for seniors ages 50-85 who want to ensure their funeral and end-of-life costs are covered without burdening family. It's also for anyone who has been declined for traditional coverage due to health conditions — guaranteed issue means no one is turned away. Fixed premiums, coverage for life.

⚖️

Florida Consumer Protections

Florida law provides a 14-day free-look period on all life insurance policies — return for a full refund, no questions asked (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing benefits and costs. State insurance regulators prohibit misleading "burial insurance" advertising that overstates coverage or understates limitations.

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

Life Insurance in Citrus Springs

More Insurance Options in Citrus Springs, FL

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

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

Final Expense Insurance FAQ

💰

How much does final expense cost?

Premiums vary by age, health, and coverage amount. Plans range from $5K-$35K. Premiums are level and never increase.

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Is a medical exam required?

No. No medical exam, no blood work, no health interview. Eligibility determined at point of sale from application questions.

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What does it cover?

Funeral, burial or cremation, casket, memorial, outstanding medical bills, and end-of-life expenses. Florida median funeral with burial: $8,023 (Choice Mutual 2026 / NFDA 2023).

📋

What's the graded benefit?

Basic plan: years 1-2 pay premiums + 10% interest if death occurs. Year 3+ pays full face amount. Accidental death = full benefit day one.

👴

Can I get coverage at age 80?

Yes. Ages 50-85 are eligible. Preferred up to $15K, Standard up to $10K at ages 81-85. Level premiums guaranteed.

Nearby Final Expense Coverage

Read the Full Final Expense Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

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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

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Final Expense Insurance in Citrus Springs, FL

Citrus Springs, FL — Your Local Producer

Licensed Final Expense Producers in Citrus Springs

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Citrus Springs Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Qualify — No Exam Required

Quote Request Received!

Final Expense Options

Preferred Plan

Standard Plan

Guaranteed Issue Plan

Everything You Need to Know About Final Expense Insurance

What Is Final Expense Insurance?

How Much Does a Funeral Cost in Florida?

Guaranteed Issue vs. Simplified Issue

Irrevocable Burial Trusts & Medicaid

Who Should Get Final Expense?

Florida Consumer Protections

More Insurance Options in Citrus Springs, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Final Expense Insurance FAQ

How much does final expense cost?

Is a medical exam required?

What does it cover?

What's the graded benefit?

Can I get coverage at age 80?

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Talk to a real person. Today.

Final Expense Insurance Underwriting Scope

Official Citrus Springs Resources