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Home›Florida›Clay County›Keystone Heights›Critical Illness Insurance

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

Critical Illness Insurance in Keystone Heights, FL

Fill the gap between health insurance and real-life costs.

Critical illness insurance for Keystone Heights, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — lump-sum benefits paid on diagnosis of cancer, heart attack, or stroke, 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 · Keystone Heights, FL

Keystone Heights, FL — Your Local Producer

Hello Keystone Heights! As a resident of the beautiful 'City of Lakes,' you appreciate the peace of mind that our unique Clay County lifestyle provides. My name is June Marcia Williams, and I am a licensed insurance producer right here in Florida. I specialize in helping individuals and families find personal insurance solutions, from Term and Whole Life to plans covering critical illness or accidents. My goal is to help you understand your options so you can protect what's most important. Let's talk about a plan that fits your life. (NPN: 17209549, Florida License No: W840529)

  • Keystone Heights Beach Park
  • Keystone Heights Junior/Senior High School
  • Intersection of State Road 21 and State Road 100
NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Keystone Heights

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

AC
Aaron Franklin Crews
Life Including Variable Annuity & Health
NPN 17453740 Licensed 2014
AA
Angela Dawn Adams
Life Including Variable Annuity & Health
NPN 8672928 Licensed 2025
AG
Ashley N Griffin
Life Including Variable Annuity & Health
NPN 21044740 Licensed 2024
AW
Ashton Marie Waters
Life Including Variable Annuity & Health
NPN 20839745 Licensed 2023
AJ
Austin Charles Shelton Jones
Life Including Variable Annuity & Health
NPN 19337337 Licensed 2019
BM
Barbara A Mapes
Life Including Variable Annuity & Health
NPN 20727021 Licensed 2023
BF
Barbara Jo Franklin
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 7375705 Licensed 2005
BH
Benjamin Tyler Henson
Life Including Variable Annuity & Health
NPN 22178546 Licensed 2026
BE
Beverly R Etheridge
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 16200807 Licensed 2013
BG
Bonnie Griffis
Life Including Variable Annuity & Health
NPN 20969630 Licensed 2023
BM
Braxton Wayne Miller
Life Including Variable Annuity & Health
NPN 22198518 Licensed 2026
CR
Carolyn Roberts
Life Including Variable Annuity & Health
NPN 22200954 Licensed 2026
CC
Christina Jo Coe-Morrell
Life Including Variable Annuity & Health
NPN 20605285 Licensed 2023
CM
Christopher Mercill
Life Including Variable Annuity & Health
NPN 22192425 Licensed 2026
CS
Corley Marie Simmons
Life Including Variable Annuity & Health
NPN 19600340 Licensed 2020
CG
Courtney Danielle George
Life Including Variable Annuity & Health
NPN 20257802 Licensed 2022
CT
Cynthia Dianne Tyre
Life Including Variable Annuity & Health
NPN 21617172 Licensed 2025
DL
Daniel Feliciano Lozano
Life Including Variable Annuity & Health
NPN 21744049 Licensed 2025
DS
Daniel Lee Shepherd
Life Including Variable Annuity & Health
NPN 20257905 Licensed 2022
DM
Danielle Mitcham
Life Including Variable Annuity & Health
NPN 20369629 Licensed 2022
DF
Derek Christopher Frey
Life Including Variable Annuity & Health
NPN 6785207 Licensed 2016
EC
Emma Marie Crawford
Life Including Variable Annuity & Health
NPN 19450762 Licensed 2020
EW
Erika Marie Ware
Life Including Variable Annuity & Health
NPN 18007987 Licensed 2016
GK
Gabriele Faith Kilby
Life Including Variable Annuity & Health
NPN 21766717 Licensed 2025
View all 60 licensed critical illness producers in Keystone Heights →

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

Critical Illness Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Critical Illness Insurance across the Keystone Heights regional market. Rates are localized using regional health baselines.

Official Keystone Heights Resources

County Clay County
Population ~1,398
Lack of insurance (18–64) 10.8%
FIPS code 1236475

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 Keystone Heights rates. Start your quote request below.

FL OIR .GOV Clay County Gov Portal .GOV
Google Maps
3.9 9 reviews
Keystone Heights City Hall photo 1Keystone Heights City Hall photo 2Keystone Heights City Hall photo 3
Photos by Keystone Heights City Hall , Frito B , Johnnys auto Towing and recovery via Google Maps
View on Google Maps
Keystone Heights City Hall
Open now · Mon 8:30 AM – 4:00 PM
(352) 473-4807
keystoneheights.us
555 S Lawrence Blvd, Keystone Heights, FL 32656, USA
Recent Reviews
Pamela Haskins ★★★★★
"Keystone Heights is a great place to live and City Hall is welcoming and informative. Right now early voting is taking place in a side room."
Bryant Stinson ★☆☆☆☆
"City hall employees need more training on civilian rights and proper use of 911. If I called in a false police report, i would be ticketed and paying fines. Government employees should be held account…"
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 Critical Illness Guide →

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Focus on recovery, not medical bills — no obligation — tailored quotes from leading providers

✅

You may qualify for coverage!

Based on your selections, June can compare rates from multiple A-rated carriers. Enter your contact info below so she can reach out with your personalized options.

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June will 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

Critical Illness Options

Cancer Only

Diagnosis-triggered lump sum
  • 100% lump sum on cancer diagnosis
  • $300 skin cancer benefit
  • $75/yr annual care for 5 years
  • Option B: $200/day hospital
  • Option B: $50/yr wellness screening
Get Quote
Most Comprehensive

Cancer + Heart & Stroke

Combined critical illness protection
  • 100% lump sum: cancer, heart attack, stroke
  • 50% for bypass surgery
  • 25% for angioplasty, stent, TIA
  • Option B: $100/yr wellness screening
  • Subsequent diagnosis scale to 100%
Get Quote

Heart & Stroke Only

Cardiovascular protection
  • 100% lump sum: heart attack or stroke
  • 50% for coronary artery bypass
  • 25% for angioplasty, stent, TIA
  • End-stage renal failure covered
  • Option B: $50/yr wellness screening
Get Quote
📖 Critical Illness Knowledge

Everything You Need to Know About Critical Illness Insurance

🏥

What Is Critical Illness Insurance?

Critical illness insurance pays a one-time, tax-free lump sum if you're diagnosed with a covered condition — cancer, heart attack, stroke, or other specified illnesses. It's not health insurance. It's income replacement when you can't work. Use the cash for anything: treatment copays, mortgage payments, childcare, travel to specialists, or lost wages.

💲

How the Lump Sum Works

Choose a benefit amount from $10,000 to $100,000. If diagnosed with a covered condition, you receive the full lump sum (or a percentage for lesser conditions like TIA or skin cancer). The money is paid directly to you — not the hospital, not the insurance company. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, scaling to 100% after 61 months.

🎗️

What Conditions Are Covered?

Cancer: All invasive cancers (100% lump sum), carcinoma in-situ (25%), skin cancer ($300). Heart & Stroke: Heart attack (100%), stroke (100%), coronary artery bypass (50%), angioplasty/stent (25%), TIA (25%). Combined plans also cover end-stage renal failure. All conditions must be first-time diagnoses after the policy effective date.

💎

Option A vs. Option B

Option A: Lump sum only — simple, clean, one payment on diagnosis. Option B: Lump sum PLUS hospital confinement ($200/day for days 1-30, $400/day for 31+), wellness screening benefit ($50-$100/year for preventative care), and radiation/chemo benefits ($200/day). Option B costs more but provides ongoing support during treatment.

⚕️

Health Insurance Gap Coverage

Health insurance covers medical bills. But it doesn't cover your mortgage, car payment, groceries, or childcare while you're in treatment. The average cancer patient faces $12,000+ in out-of-pocket costs in the first year alone — and that's with insurance. Critical illness insurance fills the gap between what health insurance covers and what life actually costs during a health crisis.

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Florida Consumer Protections

Florida requires a 14-day free-look period on all supplemental health policies (Fla. Stat. § 627.4554). Critical illness policies typically have a 12-month pre-existing condition lookback — conditions diagnosed or treated in the 12 months before your effective date are excluded during the first policy year. After that, full coverage applies. All policies are guaranteed renewable for life.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated supplemental health carriers.
Life Insurance in Keystone Heights

More Insurance Options in Keystone Heights, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense
Insurance Resources

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Frequently Asked Questions

Critical Illness Insurance FAQ

💰

How much does critical illness insurance cost?

Premiums vary by age, coverage type, and benefit amount. Coverage is affordable for most families. June provides personalized quotes based on your specific situation — no obligation.

🏥

Is a medical exam required?

No medical exam. Eligibility is based on health questions at point of sale. Pre-existing conditions within the past 12 months may affect eligibility for specific coverage types.

🔄

Can I claim more than once?

Yes. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, 40% after 25 months, scaling to 100% after 61 months since the previous diagnosis. The scale resets after each claim.

❤️

What if I have a family history of cancer or heart disease?

Family history alone does not disqualify you. Eligibility depends on your personal health history. Certain current conditions may affect which coverage type you qualify for. June helps navigate the options.

📋

Does this replace health insurance?

No. Critical illness insurance supplements health insurance. Health insurance covers medical bills. Critical illness insurance covers everything else — mortgage, bills, lost income, childcare. They work together.

Nearby Critical Illness Coverage

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Oakleaf Plantation Wealth Strategy

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Orange Park Life Protection

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View Orange Park Coverage

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Critical Illness protection tailored to Penney Farms families and businesses.

View Penney Farms Coverage

Lake Butler Life Protection

Personalized Critical Illness quotes for Lake Butler residents — no obligation.

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Raiford Coverage Guide

Critical Illness protection tailored to Raiford families and businesses.

View Raiford Coverage

Worthington Spri Financial Security

Personalized Critical Illness quotes for Worthington Spri residents — no obligation.

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Worthington Springs Coverage Guide

Compare Critical Illness rates from licensed carriers serving Worthington Springs.

View Worthington Springs Coverage

Brooker Life Protection

Compare Critical Illness rates from licensed carriers serving Brooker.

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The Hampton Legacy Plan

Dedicated Critical Illness coverage page for Hampton with local agent support.

View Hampton Coverage

Lawtey Coverage Guide

Personalized Critical Illness quotes for Lawtey residents — no obligation.

View Lawtey Coverage

Starke Wealth Strategy

Compare Critical Illness rates from licensed carriers serving Starke.

View Starke Coverage
Read the Full Critical Illness Consumer Guide →

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

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