June Marcia Williams

Your Insurance Agent in Fleming Island, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fleming Island, FL...

National Producer No.

17209549

Verify ↗

Special Situations Insurance in Fleming Island, FL

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

Special-situation life insurance for Fleming Island, 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 · Fleming Island, FL

Fleming Island, FL — Your Local Producer

For my neighbors in Fleming Island, enjoying life in our corner of Clay County means appreciating our strong community bonds. Part of that is planning for the future to protect the ones we love. My name is June Marcia Williams, and as a licensed Florida insurance producer (NPN: 17209549, FL License No: W840529), I'm dedicated to helping local families understand their options. I can provide clear, straightforward guidance on personal policies like Term Life, Whole Life, Final Expense, and Critical Illness, helping you find a path to greater peace of mind.

Fleming Island High School
Moccasin Slough Park
Intersection of US-17 and County Road 220

NPN17209549FL LicenseW840529

Licensed Special Situations Producers in Fleming Island

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

Abbi Christine Denton

Life Including Variable Annuity & Health

NPN 22208089 Licensed 2026

Alexander David Carver

Life Including Variable Annuity & Health

NPN 21254272 Licensed 2024

Alexander Luther Nayfack

Life Including Variable Annuity & Health

NPN 21645023 Licensed 2025

Alice Less

Life Including Variable Annuity & Health

NPN 18759376 Licensed 2018

Allison Paige Crainick

Life Including Variable Annuity & Health

NPN 21129380 Licensed 2024

Almeta Lavonne Monroe-Turner

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

NPN 466897 Licensed 1995

Amanda Hall Hidalgo

Life Including Variable Annuity & Health

NPN 20226510 Licensed 2022

Amanda Rae Champion

Life Including Variable Annuity & Health

NPN 21327094 Licensed 2024

Andres Felipe Barbosa Gomez

Life Including Variable Annuity & Health

NPN 21216395 Licensed 2024

Andrew Clinton Kersey

Life Including Variable Annuity & Health

NPN 20761041 Licensed 2023

Anna Kay Harward

Life Including Variable Annuity & Health

NPN 21670103 Licensed 2025

Anna Marie Balmeo Varsobia

Life Including Variable Annuity & Health

NPN 19011309 Licensed 2019

Annabelle Ramirez

Life Including Variable Annuity & Health

NPN 2680532 Licensed 2022

Anthony Ernest Deluca

Life Including Variable Annuity & Health

NPN 619440 Licensed 2005

Avery Guidi

Life Including Variable Annuity & Health

NPN 21306489 Licensed 2024

Bailey Christian Hall

Life Including Variable Annuity & Health

NPN 20093755 Licensed 2021

Barry Evans Miles

Life Including Variable Annuity & Health

NPN 510634 Licensed 2017

Bret Marshall Hagwood

Life Including Variable Annuity & Health

NPN 19960823 Licensed 2021

Brian Souchet

Life Including Variable Annuity & Health

NPN 21567249 Licensed 2025

Brigida Leonor Lenderborg

Life Including Variable Annuity & Health

NPN 7487222 Licensed 2007

Brittanie Rene Stone

Life Including Variable Annuity & Health

NPN 19857700 Licensed 2021

Brittney Nicole Booker

Life Including Variable Annuity & Health

NPN 21062699 Licensed 2024

Brock John Miranda

Life Including Variable Annuity & Health

NPN 20691205 Licensed 2023

Bruce Stephen Jenrette-Lawrence

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

NPN 20388385 Licensed 2022

View all 190 licensed special situations producers in Fleming Island →

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 Fleming Island regional market. Rates are localized using regional health baselines.

Official Fleming Island Resources

County Clay County

Population ~29,810

Lack of insurance (18–64) 7.9%

FIPS code 1222660

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 Fleming Island rates. Start your quote request below.

FL OIR .GOV Clay County Gov Portal .GOV

4.7 89 reviews

Photos by Kisha J , Kathy Sapp , Everything I Am , Town Hall Event Center via Google Maps

View on Google Maps

Town Hall Event Center

(904) 335-1519

flemingislandvenue.com

2300 Market Dr, Fleming Island, FL 32003, USA

Recent Reviews

Stephen O'Toole ★★★☆☆

"So I recently attended an event there, actually a wedding. The room was clean. Low cost option for a couple that didn’t want to spend money on a ceremony. Makes sense to me. But if you are looking…"

Mrs Glam ★★★★★

"Absolutely stunning venue!! With the option to rent the Gazebo outside, it really makes for the prefect wedding venue. There is a game room and a photo booth room with black currents and staging. I e…"

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.

⚖️

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 Fleming Island

More Insurance Options in Fleming Island, 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 Fleming Island, FL

Fleming Island, FL — Your Local Producer

Licensed Special Situations Producers in Fleming Island

🔑 Special Situations Insurance Underwriting Scope

🏛️ Official Fleming Island 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 Fleming Island, 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?

Also Serving Clay County

Asbury Lake Coverage Guide

The Bellair-Meadowbrook Terrace Legacy Plan

The Green Cove Springs Legacy Plan

Keystone Heights Wealth Strategy

Lakeside Coverage Guide

The Middleburg Legacy Plan

Oakleaf Plantation Wealth Strategy

Orange Park Life Protection

Penney Farms Wealth Strategy

Crescent City Financial Security

The East Palatka Legacy Plan

Florahome Coverage Guide

Georgetown Coverage Guide

The Grandin Legacy Plan

Hollister Wealth Strategy

Interlachen Financial Security

Lake Como Financial Security

Palatka Life Protection

The Welaka Legacy Plan

Butler Beach Life Protection

Elkton Financial Security

Flagler Estates Coverage Guide

Fruit Cove Wealth Strategy

Hastings Financial Security

The Ponte Vedra Beach Legacy Plan

Saint Augustine Coverage Guide

St. Augustine Beach Financial Security

St. Augustine Shores Wealth Strategy

The World Golf Village Legacy Plan

Talk to a real person. Today.

Special Situations Insurance Underwriting Scope

Official Fleming Island Resources