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

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Final Expense Insurance in Keystone Heights, FL

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

Final expense insurance for Keystone Heights, 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 · 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 Final Expense Producers in Keystone Heights

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

Aaron Franklin Crews

Life Including Variable Annuity & Health

NPN 17453740 Licensed 2014

Angela Dawn Adams

Life Including Variable Annuity & Health

NPN 8672928 Licensed 2025

Ashley N Griffin

Life Including Variable Annuity & Health

NPN 21044740 Licensed 2024

Ashton Marie Waters

Life Including Variable Annuity & Health

NPN 20839745 Licensed 2023

Austin Charles Shelton Jones

Life Including Variable Annuity & Health

NPN 19337337 Licensed 2019

Barbara A Mapes

Life Including Variable Annuity & Health

NPN 20727021 Licensed 2023

Barbara Jo Franklin

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

NPN 7375705 Licensed 2005

Benjamin Tyler Henson

Life Including Variable Annuity & Health

NPN 22178546 Licensed 2026

Beverly R Etheridge

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

NPN 16200807 Licensed 2013

Bonnie Griffis

Life Including Variable Annuity & Health

NPN 20969630 Licensed 2023

Braxton Wayne Miller

Life Including Variable Annuity & Health

NPN 22198518 Licensed 2026

Carolyn Roberts

Life Including Variable Annuity & Health

NPN 22200954 Licensed 2026

Christina Jo Coe-Morrell

Life Including Variable Annuity & Health

NPN 20605285 Licensed 2023

Christopher Mercill

Life Including Variable Annuity & Health

NPN 22192425 Licensed 2026

Corley Marie Simmons

Life Including Variable Annuity & Health

NPN 19600340 Licensed 2020

Courtney Danielle George

Life Including Variable Annuity & Health

NPN 20257802 Licensed 2022

Cynthia Dianne Tyre

Life Including Variable Annuity & Health

NPN 21617172 Licensed 2025

Daniel Feliciano Lozano

Life Including Variable Annuity & Health

NPN 21744049 Licensed 2025

Daniel Lee Shepherd

Life Including Variable Annuity & Health

NPN 20257905 Licensed 2022

Danielle Mitcham

Life Including Variable Annuity & Health

NPN 20369629 Licensed 2022

Derek Christopher Frey

Life Including Variable Annuity & Health

NPN 6785207 Licensed 2016

Emma Marie Crawford

Life Including Variable Annuity & Health

NPN 19450762 Licensed 2020

Erika Marie Ware

Life Including Variable Annuity & Health

NPN 18007987 Licensed 2016

Gabriele Faith Kilby

Life Including Variable Annuity & Health

NPN 21766717 Licensed 2025

View all 60 licensed final expense 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.

Final Expense Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Final Expense 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

3.9 9 reviews

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 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.

💲

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.

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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.

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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.

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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.

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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 Keystone Heights

More Insurance Options in Keystone Heights, 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).

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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.

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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

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

Final Expense Insurance in Keystone Heights, FL

Keystone Heights, FL — Your Local Producer

Licensed Final Expense Producers in Keystone Heights

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Keystone Heights 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 Keystone Heights, 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 Keystone Heights Resources