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Home›Florida›Clay County›Penney Farms

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

Your Local FL Advocate for Simplified-Issue & Fully-Underwritten Policies

Get Customized Coverage in Penney Farms Without the Complexity

Your local licensed agent in Penney Farms, Clay County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Penney Farms, Clay 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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Right here · Penney Farms, FL

Penney Farms, FL — Your Local Producer

For my neighbors in Penney Farms and across Clay County, the unique, close-knit character of our community is something special. Protecting your family's future is a vital part of that shared peace of mind. My name is June Marcia Williams, and as a licensed Florida insurance producer, I'm dedicated to helping you navigate your options. I offer personal guidance on a range of policies, from Term and Whole Life to Final Expense and Critical Illness plans. My focus is on understanding your specific needs to help secure your family's financial well-being. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • Penney Farms Town Hall
  • Penney Memorial Church
  • Penney Farms Post Office
NPN17209549FL LicenseW840529

Penney Farms is home to approximately 721 residents in Clay County, with a median age of 76.5 and a median household income of $63,300. About 10% of homes are owner-occupied; the median home value is $217,000. 50% of adults hold a bachelor's degree or higher; households with children make up 5%; veterans comprise 12% of residents. Average household size is 1.9. These demographic markers shape which life insurance products fit Penney Farms households.

How Penney Farms compares to Clay County

CLAY COUNTY · 220K RESIDENTS PENNEY FARMS · 721 RESIDENTS
Clay County vs Penney Farms — population comparison Clay County: 219,650 residents. Penney Farms: 721 residents, 0.3% of Clay County population.
219,650 CLAY COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
721 PENNEY FARMS RESIDENTS ↳ 0.3% of Clay County residents
Underwriting Guidelines

Can I get life insurance with obesity in Penney Farms, FL?

Yes. Clay County's health profile — 220,000 residents, 11.7% uninsured, 35.1% adults with obesity, 39.7% with high cholesterol — shapes how A-rated carriers tier rate classes for Penney Farms applicants. Standard or Preferred is achievable when obesity is well-controlled; substandard tables apply when control is recent or partial.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Orange Park →

📊 Top Health Considerations (CDC)

Top Health Considerations for Penney Farms (CITY) High cholesterol: 39.7%. High blood pressure: 38.4%. Obesity: 35.1%. Diagnosed diabetes: 12.8%. Current cigarette smoking: 14.6%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · PENNEY FARMS High cholesterol 39.7% High blood pressure 38.4% Obesity 35.1% Diagnosed diabetes 12.8% Current cigarette smoking 14.6% 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

Clay County Gov Portal .GOV
Population ~721
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 1255875
Google Maps
4.6 12 reviews
Town Hall Penney Farms photo 1Town Hall Penney Farms photo 2
Photos by M & S MacDonald , M & S MacDonald via Google Maps
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Town Hall Penney Farms
Open now · Mon 7:30 AM – 2:00 PM
(904) 529-9078
penneyfarmsfl.org
4100 Clark Ave, Penney Farms, FL 32079, USA
Recent Reviews
M & S MacDonald ★★★★★
"We LOVE places like this! Such a neat town with great history. Check out town hall, the museum, and the retirement community. Very friendly people! Until next time J.C. Penney… 😀"
Robert Rock ★☆☆☆☆
"David Cooper is bad for the community he lies stares at woman makes lady's fill un comfortable makes side deals without penny farms not a good leader penny farms beautiful place but need new fresh peo…"
Available in Penney Farms

Life Insurance Products in Penney Farms, FL

9 insurance products available in Penney Farms

🛡️ 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 Clay County and Nearby Florida Counties

Life Insurance by City Near Penney Farms, FL

1,545 licensed producers on public record in Clay County.

🌟 Cities Served near Penney Farms

17 Cities · 3 Counties
Union County4
Lake ButlerRaifordWorthington SpriWorthington Springs
Clay CountyHome9
Asbury LakeBellair-Meadowbrook TerraceFleming IslandGreen Cove SpringsKeystone HeightsLakesideMiddleburgOakleaf PlantationOrange Park
Bradford County4
BrookerHamptonLawteyStarke
Official Resources

Know your rights in Penney Farms.

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

Penney Farms Life Insurance Questions

💰

How much does life insurance cost in Penney Farms?

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.

Penney Farms
📋

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 Penney Farms?

Yes. June serves all of Penney Farms and every municipality in Clay 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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