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Home›Florida›Columbia County›Lake City›Critical Illness Insurance

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

Critical Illness Insurance in Lake City, FL

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

Critical illness insurance for Lake City, 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 · Lake City, FL

Lake City, FL — Your Local Producer

Hello Lake City! As a licensed insurance producer serving my neighbors here in Columbia County, I understand the importance of protecting what matters most. In a community with such a rich heritage, planning for the future is key. I'm here to help you navigate your options for Term Life, Whole Life, Final Expense, and other personal insurance policies, ensuring you have the information you need to secure your family's well-being. My goal is to provide clear, personalized guidance for your unique situation. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • Olustee Park
  • Columbia High School
  • Lake City City Hall
NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Lake City

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

AR
Abagale Kristen Rinker
Life Including Variable Annuity & Health
NPN 22141827 Licensed 2026
AD
Abigail Crow Dicks
Life Including Variable Annuity & Health
NPN 20802200 Licensed 2023
AM
Adam Phillip Mayhew
Life Including Variable Annuity & Health
NPN 16255986 Licensed 2022
AK
Adrienne C Kimball
Life Including Variable Annuity & Health
NPN 21748197 Licensed 2025
AB
Alec Blanco
Life Including Variable Annuity & Health
NPN 20870288 Licensed 2023
AV
Alec Jaden Villar
Life Including Variable Annuity & Health
NPN 19873550 Licensed 2021
AD
Alexis Nicole Dinkins
Life Including Variable Annuity & Health
NPN 20671612 Licensed 2023
AE
Alisa Smith Epperson
Life Including Variable Annuity & Health
NPN 18674595 Licensed 2018
AA
Alisha Kay Abbott
Life Including Variable Annuity & Health
NPN 21582423 Licensed 2025
AM
Alyssa Brooke Miller
Life Including Variable Annuity & Health
NPN 20188647 Licensed 2021
AF
Amanda Fitzgerald
Life Including Variable Annuity & Health
NPN 17899996 Licensed 2016
AH
Amanda Jene Hillhouse
Life Including Variable Annuity & Health
NPN 19316984 Licensed 2019
AG
Amber Nicole Green
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 19216303 Licensed 2019
AG
Amy Barnette Guerry
Life Including Variable Annuity & Health
NPN 6387433 Licensed 2002
AA
Ander Cade Adams
Life Including Variable Annuity & Health
NPN 22208160 Licensed 2026
AS
Andrea Sluik
Life Including Variable Annuity & Health
NPN 21327092 Licensed 2024
AH
Andrew Micheal Hamrick
Life Including Variable Annuity & Health
NPN 21671133 Licensed 2025
AF
Andrew W Framer
Life Including Variable Annuity & Health
NPN 20726919 Licensed 2023
AO
Angela Renee Oglesby
Life Including Variable Annuity & Health
NPN 5747879 Licensed 2002
AH
April Hatfield
Life Including Variable Annuity & Health
NPN 20629581 Licensed 2023
AG
Ashley Rose Gerondale
Life Including Variable Annuity & Health
NPN 21113570 Licensed 2024
BS
Barry F Sessions
Life Including Variable Annuity & Health
NPN 20295964 Licensed 2022
BG
Belinda Kay Gross
Life Including Variable Annuity & Health
NPN 17737793 Licensed 2015
BB
Beverly Yvonne Brown
Life Including Variable Annuity & Health
NPN 470938 Licensed 1987
View all 267 licensed critical illness producers in Lake City →

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 Lake City regional market. Rates are localized using regional health baselines.

Official Lake City Resources

County Columbia County
Population Data Pending
Lack of insurance (18–64) 16.6%
FIPS code 1237775

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 Lake City rates. Start your quote request below.

FL OIR .GOV Columbia County Gov Portal .GOV
Google Maps
3.2 11 reviews
City of Lake City, Florida photo 1City of Lake City, Florida photo 2City of Lake City, Florida photo 3City of Lake City, Florida photo 4
Photos by Gary Rodriguez , Richard Cope , Galen Frantz , Ma Co via Google Maps
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City of Lake City, Florida
Open now · Mon 8:00 AM – 4:30 PM
(386) 752-2031
lcfla.com
205 N Marion Ave, Lake City, FL 32055, USA
Recent Reviews
Matt St John ★☆☆☆☆
"There are two backflow preventers less than a stones throw away from the front door of City Hall... that are leaking so badly the sidewalk has turned into a slippery mess. Even though they have tags t…"
Audrey Strickland ★★★★★
"I always have a wonderful experience every time I come here to pay my water Bill! The staff is always nice and friendly and always very helpful! They always have a smile on their face! It's always so …"
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.

⚖️

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 Lake City

More Insurance Options in Lake City, FL

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

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Free consumer guide from FL OIR explaining policy types, replacement rules, and your free-look period.

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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.

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Boys Ranch Wealth Strategy

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View O'Brien Coverage

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View Wellborn Coverage

Jasper Wealth Strategy

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View White Springs Coverage
Read the Full Critical Illness Consumer Guide →

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

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