June Marcia Williams

Your Insurance Agent in Marco Island, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Marco Island, FL...

National Producer No.

17209549

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Special Situations Insurance in Marco Island, FL

Declined elsewhere? June works with 7 carriers to find coverage.

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

Marco Island, FL — Your Local Producer

Living here on Marco Island means embracing a unique coastal lifestyle, and your financial planning should reflect that peace of mind. I'm June Marcia Williams, a fellow Floridian and your local licensed insurance producer, dedicated to serving my Collier County neighbors. I help individuals and families find personal insurance solutions, including Term, Whole, and Universal Life, Final Expense, and policies for Critical Illness or Hospital Indemnity. My goal is to provide clear, straightforward guidance so you can make confident decisions for your future. As a licensed producer (NPN: 17209549, FL License No: W840529), I'm here to help you protect what matters most.

Marco Island City Hall
Mackle Park
Tigertail Beach Park

NPN17209549FL LicenseW840529

Licensed Special Situations Producers in Marco Island

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

Alexis Marina Gross

Life Including Variable Annuity & Health

NPN 21423548 Licensed 2024

Amber Fealy-Lopez

Life Including Variable Annuity & Health

NPN 20560336 Licensed 2022

Amy Beth Chapin

Life Including Variable Annuity & Health

NPN 19567723 Licensed 2020

Andrew T Shippee

Life Including Variable Annuity & Health

NPN 21635676 Licensed 2025

Andri Gonzalez

Life Including Variable Annuity & Health

NPN 20162370 Licensed 2021

Anna S Gionet

Life Including Variable Annuity & Health

NPN 16169563 Licensed 2013

Annalisa Sawick

Life Including Variable Annuity & Health

NPN 19893361 Licensed 2021

Anthony Bruno Ferrante

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

NPN 15982861 Licensed 2026

Arthur P Pizzello

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

NPN 1030479 Licensed 2021

Ashton Hicks

Life Including Variable Annuity & Health

NPN 20658204 Licensed 2023

Benjamin J Otto

Life Including Variable Annuity & Health

NPN 19045046 Licensed 2021

Brad Bersh

Life Including Variable Annuity & Health

NPN 3947691 Licensed 2015

Carmen Delia Guzman Ortiz

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

NPN 6913047 Licensed 2005

Carol Afanador Brown

Life Including Variable Annuity & Health

NPN 8880612 Licensed 2018

Clifford Joseph Heroth

Life Including Variable Annuity & Health

NPN 20356268 Licensed 2022

Coleen Marie Hodsdon

Life Including Variable Annuity & Health

NPN 18539560 Licensed 2017

Craig John Couture

Life Including Variable Annuity & Health

NPN 2892656 Licensed 1999

Crystal Ann Labelle

Life Including Variable Annuity & Health

NPN 20810058 Licensed 2023

Dana Messina

Life Including Variable Annuity & Health

NPN 16246991 Licensed 2018

Daniel Harth

Life Including Variable Annuity & Health

NPN 18488633 Licensed 2025

Darcie H Guerin

Life Including Variable Annuity & Health

NPN 7511577 Licensed 2005

David A Caruso

Life Including Variable Annuity & Health

NPN 5726474 Licensed 2005

David Latham Taber

Life Including Variable Annuity & Health

NPN 393706 Licensed 2003

David Lee Curry

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

NPN 1724258 Licensed 2000

View all 81 licensed special situations producers in Marco 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 Marco Island regional market. Rates are localized using regional health baselines.

Official Marco Island Resources

County Collier County

Population ~15,942

Lack of insurance (18–64) 7.3%

FIPS code 1243083

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 Marco Island rates. Start your quote request below.

FL OIR .GOV Collier County Gov Portal .GOV

3.9 13 reviews

Photos by Doug Knarr , Als Painting Plus Painting Contractor , Tomas Kulle , Mike Sherwood via Google Maps

View on Google Maps

City of Marco Island City Hall

Open now · Mon 8:00 AM – 5:00 PM

(239) 389-5000

cityofmarcoisland.com

50 Bald Eagle Dr, Marco Island, FL 34145, USA

Recent Reviews

Anthony Daffner-Milos ★★★★★

"My name is Anthony, and I serve as a concierge physical therapist for a valued client who recently required assistance with a matter regarding her water bill. During this process, Emily Iacobucci prov…"

Pablo Lara ★☆☆☆☆

"Terrible experience especially with an older lady police officer who was guarding a public parking lot where residents have access. But this officer blocks the entrance to the parking lot saying that …"

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.

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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.

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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.

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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 Marco Island

More Insurance Options in Marco 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 Marco Island, FL

Marco Island, FL — Your Local Producer

Licensed Special Situations Producers in Marco Island

🔑 Special Situations Insurance Underwriting Scope

🏛️ Official Marco 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 Marco 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?

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Talk to a real person. Today.

Special Situations Insurance Underwriting Scope

Official Marco Island Resources