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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
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Life Insurance in Crystal River, FL

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
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❤️ 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 ~155,000 population lacking health insurance. Carriers offer fully underwritten and simplified-issue paths sized to the clinical specifics.

Coverage options and underwriting standards vary by carrier. 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

Life Insurance Products in Crystal River, FL

9 insurance products available in Crystal River

🛡️ Life Insurance

Term Life

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

View Term Life 💎 Life Insurance

Whole Life

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

View Whole Life 📈 Life Insurance

Universal Life

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

View Universal Life 🏥 Supplemental Health

Critical Illness

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

View Critical Illness 🏨 Supplemental Health

Hospital Indemnity

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

View Hospital Indemnity ⚡ Supplemental Health

Accident & Injury

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

View Accident & Injury 🏢 Business

Business Life

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

View Business Life 🔑 Specialized

Special Situations

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

View Special Situations 🕊️ Life Insurance

Final Expense

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

View Final Expense
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Life Insurance in Citrus County and Nearby Florida Counties

Life Insurance by City Near Crystal River, FL

931 licensed producers on public record in Citrus County.

🌟 Cities Served near Crystal River

30 Cities · 3 Counties
Marion County10
AnthonyBelleviewCitraDunnellonLiberty TriangleMcIntoshOcalaOcklawahaSalt SpringsSilver Springs Shores East
Citrus CountyHome10
Beverly HillsBlack DiamondCitrus SpringsFloral CityHernandoHomosassaInvernessLecantoPine RidgeSugarmill Woods
Hernando County10
BayportBrookridgeBrooksvilleMasaryktownNobletonNorth BrooksvilleRidge Manor WestSpring HillTimber PinesWeeki Wachee
🏛️ Know Your Agent · Public Record Directory

Licensed Insurance Agents in Crystal River, Florida

Florida DFS public records show 138 actively licensed insurance producers with business addresses in Crystal River (Citrus County County). 118 hold Life & Health authority; 39 hold Property & Casualty authority. Browse by line below, or verify any license number directly with the state.

138Licensed producers
118Life & Health
39General Lines (P&C)

Browse producers by line

Life & Health Agents
118 producers · life-authorised
General Lines (Property & Casualty)
39 producers · 2-20

Featured licensed producers

Browse all →
JN
Jonathan Jay Neal
Life Including Variable Annuity & Health
NPN 385007 Licensed 2016
CR
Charlene P Runnels-Mire
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 558258 Licensed 1993
JG
Jeffrey B Golubeff
Life Including Variable Annuity & Health
NPN 3344031 Licensed 2000
ML
Michael Lemar
Life Including Variable Annuity & Health
NPN 589918 Licensed 1985
CR
Charlene P Runnels-Mire
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 558258 Licensed 1993
KH
Kimberly Lynn Hayes
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 1512659 Licensed 1997

Producer listings are compiled from Florida Department of Financial Services public licensee records, Fla. Stat. §119.01. June Life Insurance does not endorse, rank, or rate any listed producer and is not a government agency.

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 Life Insurance Questions

💰

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.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for applicants with pre-existing health conditions. 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.

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