Life Insurance
Term Life Insurance Whole Life Insurance Universal Life (IUL) Final Expense Insurance
Supplemental Coverage
Critical Illness Hospital Indemnity Accident & Injury
Business & Specialty
Business Life Insurance Special Situations
Areas Served
New Jersey Pennsylvania Florida Maryland Virginia About Contact

Home›Florida›Citrus County›Crystal River

June Marcia Williams — Licensed Insurance Agent in Crystal River, FL
June Marcia Williams
Your Insurance Agent in Crystal River, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Crystal River, FL...
National Producer No.
17209549
Verify ↗

Secure Your Family's Future | Custom Life Insurance in Crystal River

Dedicated Coverage Options from Final Expense to Term Life in Citrus County

The Smart Choice for Dependable Life Insurance in Crystal River, FL

Your local licensed agent in Crystal River, Citrus County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Crystal River, Citrus County, Florida residents — fully-underwritten, simplified-issue, and final-expense products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
🛡️ Get Your Quote 📅 Schedule a Call
🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Crystal River, FL

Crystal River, FL — Your Local Producer

Hello, Crystal River! Living here in the heart of Citrus County, surrounded by the unique beauty of our springs and coastal lifestyle, is something special. As your neighbor, I believe in protecting the life you've built for your family. My name is June Marcia Williams, and I am a licensed insurance producer here in Florida. I help individuals and families navigate their options for personal insurance, from term life and final expense policies to other coverages that provide peace of mind. My goal is to offer clear, straightforward guidance so you can make confident decisions. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • Three Sisters Springs
  • Crystal River Archaeological State Park
  • Crystal River City Hall
NPN17209549FL LicenseW840529

Crystal River is home to approximately 3,400 residents in Citrus County, with a median age of 64.1 and a median household income of $46,800. About 66% of homes are owner-occupied; the median home value is $269,000. 35% of adults hold a bachelor's degree or higher; households with children make up 10%; veterans comprise 14% of residents. Average household size is 1.9. These demographic markers shape which life insurance products fit Crystal River households.

How Crystal River compares to Citrus County

CITRUS COUNTY · 155K RESIDENTS CRYSTAL RIVER · 3K RESIDENTS
Citrus County vs Crystal River — population comparison Citrus County: 155,173 residents. Crystal River: 3,398 residents, 2.2% of Citrus County population.
155,173 CITRUS COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
3,398 CRYSTAL RIVER RESIDENTS ↳ 2.2% of Citrus County residents
Underwriting Guidelines

What rate class can Crystal River applicants with current cigarette smoking expect from life insurance carriers?

Many Crystal River residents secure competitive rates despite current cigarette smoking. Citrus County reports 16.9% adult prevalence (CDC PLACES); 45.8% also manage high cholesterol, with 12.4% of the ~167,000 population lacking health insurance. Carriers offer fully underwritten and simplified-issue paths sized to the clinical specifics.

Our underwriting team matches Crystal River families directly with the carriers who look most favorably on these specific health markers, eliminating the guesswork. View insurance in nearby Citrus Springs →

📊 Top Health Considerations (CDC)

Top Health Considerations for Crystal River (CITY) High cholesterol: 45.8%. High blood pressure: 42.1%. Obesity: 33.6%. Diagnosed diabetes: 15.9%. Current cigarette smoking: 16.9%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CRYSTAL RIVER High cholesterol 45.8% High blood pressure 42.1% Obesity 33.6% Diagnosed diabetes 15.9% Current cigarette smoking 16.9% Data sourced directly from the CDC PLACES Dataset.

Tier projection blends county-level prevalence with carrier underwriting bands. Higher prevalence shifts more of each bar into Standard and Rated/Watch segments. Use as a county baseline, not an individual underwriting outcome.

Preferred Range
Standard
Rated / Watch

Official City Resources

Citrus County Gov Portal .GOV
Population ~3,398
Lack of health insurance (18–64) 11.8%

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

FIPS code 1215775
Google Maps
4.5 8 reviews
Crystal River City Hall photo 1Crystal River City Hall photo 2Crystal River City Hall photo 3Crystal River City Hall photo 4
Photos by Range Cow , Matthew Clarkson , Lance Koster , Frank Bainbridge via Google Maps
View on Google Maps
Crystal River City Hall
Open now · Mon 8:30 AM – 4:30 PM
(352) 795-4216
crystalriverfl.org
123 NW US-19, Crystal River, FL 34428, USA
Recent Reviews
Lance Koster ★★★★★
"Small town feel... but gets everything done faster than the other counties. Great experience."
Butch James ★★★★★
"This is where you get tickets to Three Sisters Springs"
Available in Crystal River

Your coverage options.

Life insurance, supplemental health, and business protection — all from one licensed agent.

🛡️ Life Insurance

Term Life

Level-premium protection for 10, 20, or 30 years. Designed to cover mortgages, income replacement, and family obligations.

Lock My Term Rate 💎 Life Insurance

Whole Life

Permanent coverage with guaranteed cash value accumulation. Lifetime protection that doubles as a financial asset.

Build My Legacy Plan 📈 Life Insurance

Universal Life

Flexible premiums with index-linked growth potential. Adjustable coverage that adapts to your financial goals over time.

Grow My Wealth Tax-Free 🏥 Supplemental Health

Critical Illness

Lump-sum benefit upon diagnosis of a covered condition — cancer, heart attack, stroke, and more. Use it however you need.

Secure Illness Cash 🏨 Supplemental Health

Hospital Indemnity

Daily cash benefit for hospital stays, regardless of other insurance. Covers deductibles, lost wages, and out-of-pocket costs.

Get Hospital Cash Coverage ⚡ Supplemental Health

Accident & Injury

Cash benefits for accidents — fractures, dislocations, burns, emergency transport. Pays on top of your existing health plan.

Lock In Accident Protection 🏢 Business

Business Life

Key person, buy-sell funding, and executive benefits. Protect your business from the financial impact of losing a critical contributor.

Protect My Business 🔑 Specialized

Special Situations

Pre-existing conditions, no-exam options, marijuana users, high-risk applicants. Coverage solutions when standard plans say no.

Find My Coverage Solution 🕊️ Life Insurance

Final Expense

Covers funeral, burial, cremation, and end-of-life costs. No medical exam. Ages 50–85. Premiums never increase.

Secure Final Expense Coverage
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Coverage Across Citrus County and Neighboring Florida Counties

Cities served near Crystal River.

June Marcia Williams writes life insurance and supplemental health policies across Citrus County and adjacent Florida counties — all within the same Florida regulatory framework.

🌟 Cities Served near Crystal River

30 Cities · 3 Counties
Marion County10
BelleviewCitraLiberty TriangleOcalaOcala EstatesOn Top of the WorldRainbow ParkRainbow SpringsSalt SpringsSilver Springs Shores East
Citrus CountyHome10
Beverly HillsBlack DiamondCitrus SpringsFloral CityHernandoHomosassaInvernessLecantoPine RidgeSugarmill Woods
Hernando County10
BrookridgeBrooksvilleHigh PointMasaryktownNorth BrooksvillePine IslandRidge Manor WestTimber PinesWeeki WacheeWiscon
Official Resources

Know your rights in Crystal River.

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law.

Visit floir.gov →.GOV

Verify Agent License (NIPR)

Look up June's NPN (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides on choosing life insurance, understanding policy types, and filing complaints.

Visit naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for and your federal protections.

Visit ftc.gov →.GOV
Frequently Asked Questions

Crystal River insurance — answered.

💰

How much does life insurance cost in Crystal River?

Rates vary based on age, health, coverage amount, and policy type. Term life is generally the most affordable. A licensed agent can compare carriers for your specific situation.

Crystal River
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage — all from one licensed agent.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for diabetes, high blood pressure, heart disease, and cancer history. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Crystal River?

Yes. June serves all of Crystal River and every municipality in Citrus County. Licensed in five states: NJ, PA, FL, MD, and VA.

Full Coverage
🏥

What is critical illness insurance?

Pays a lump-sum cash benefit upon diagnosis of cancer, heart attack, stroke, or organ failure. Supplements health insurance by covering deductibles, lost wages, and non-medical expenses.

Critical Illness
✅

How do I verify June's FL license?

Verify through FL OIR at floir.gov or NIPR at nipr.com. June Marcia Williams — NPN 17209549, FL License #W840529.

Verified
Nearby Cities

Coverage continues next door.

← Previous Citrus Springs Citrus County, FL 10 products available
•
You Are Here Crystal River Citrus County, FL
•
Next → Floral City Citrus County, FL 10 products available

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
Select a time and we'll call you · Serving NJ, PA, FL, MD & VA
🛡️ Get Your Quote 📅 Schedule a Call
Ask Lia