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Home›Florida›Duval County›Neptune Beach›Critical Illness Insurance

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

Critical Illness Insurance in Neptune Beach, FL

Benefits from $10,000 to $100,000. No network restrictions.

Critical illness insurance for Neptune Beach, 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 · Neptune Beach, FL

Neptune Beach, FL — Your Local Producer

Hello Neptune Beach! I love the unique, laid-back character of our coastal community here in Duval County. It's a special place to build a life, and protecting that life is what I do. I'm June Marcia Williams, your local licensed insurance producer, and I'm dedicated to helping my neighbors find the right personal insurance plans. Whether you're considering term life, final expense, or coverage for unexpected illnesses or accidents, I can help you navigate your options with clear, personalized guidance. Let's work together to secure your family's future. (NPN: 17209549, Florida License No: W840529)

  • Jarboe Park
  • Neptune Beach City Hall
  • Fletcher High School
NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Neptune Beach

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

AH
Alison Hall
Life Including Variable Annuity & Health
NPN 21695665 Licensed 2025
AC
Amadou Cisse
Life Including Variable Annuity & Health
NPN 21673808 Licensed 2025
AG
Amelia G Gartley
Life Including Variable Annuity & Health
NPN 20430161 Licensed 2022
AR
Angela Ruth Redden
Life Including Variable Annuity & Health
NPN 19418093 Licensed 2020
AF
Angelic Marie Fleites
Life Including Variable Annuity & Health
NPN 19973836 Licensed 2021
AH
Austin Hnath
Life Including Variable Annuity & Health
NPN 16779180 Licensed 2012
BW
Barbara Joan Warwick
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 560617 Licensed 1986
BB
Bates Aaron Biggar
Life Including Variable Annuity & Health
NPN 17537820 Licensed 2020
BS
Brian Sasaki-Scanlon
Life Including Variable Annuity & Health
NPN 12048488 Licensed 2008
BB
Bryan Barker
Life Including Variable Annuity & Health
NPN 7818447 Licensed 2003
BD
Bryanna Davis
Life Including Variable Annuity & Health
NPN 16449372 Licensed 2011
CL
Cameron Webster Lenhoff
Life Including Variable Annuity & Health
NPN 20319829 Licensed 2022
CF
Catherine Foster Freeman
Life Including Variable Annuity & Health
NPN 20682167 Licensed 2023
CP
Charles Joseph Perrone
Life Including Variable Annuity & Health
NPN 448712 Licensed 1985
DQ
Dane Quintal
Life Including Variable Annuity & Health
NPN 21295132 Licensed 2024
DB
David Andrew Buchman
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 7623009 Licensed 2006
DL
David Michael Linger
Life Including Variable Annuity & Health
NPN 2333177 Licensed 2000
DM
Debra Allison Merritt
Life Including Variable Annuity & Health
NPN 20322787 Licensed 2022
EB
Edward Robert Barbarito
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 7395654 Licensed 2002
ER
Erich William Reichardt
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20521838 Licensed 2022
ES
Erin Marie Stehl
Life Including Variable Annuity & Health
NPN 1938028 Licensed 2025
EH
Evan Hoffer
Life Including Variable Annuity & Health
NPN 22178533 Licensed 2026
FL
Foster James Leboeuf
Life Including Variable Annuity & Health
NPN 20533292 Licensed 2022
GS
Gage Oliver Sellers
Life Including Variable Annuity & Health
NPN 21374666 Licensed 2024
View all 76 licensed critical illness producers in Neptune Beach →

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 Neptune Beach regional market. Rates are localized using regional health baselines.

Official Neptune Beach Resources

County Duval County
Population ~6,743
Lack of insurance (18–64) 7.1%
FIPS code 1248100

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 Neptune Beach rates. Start your quote request below.

FL OIR .GOV Duval County Gov Portal .GOV
Google Maps
3.4 8 reviews
Neptune Beach City Hall photo 1Neptune Beach City Hall photo 2Neptune Beach City Hall photo 3Neptune Beach City Hall photo 4
Photos by Michael Rivera , Michael Friedman , Lee Quarrier , Ryan Vogel via Google Maps
View on Google Maps
Neptune Beach City Hall
Open now · Mon 9:00 AM – 5:00 PM
(904) 270-2400
ci.neptune-beach.fl.us
116 First St, Neptune Beach, FL 32266, USA
Recent Reviews
Joseph Krainin ★☆☆☆☆
"Beware! They have a money-making racket setup to give you a $100 fine for trivial speeding on Florida Blvd. There is a sneaky camera near the school. Haven’t seen a ticket scam like this since I lived…"
Teresa ★☆☆☆☆
"The people are so nice but if you can avoid getting water service here at any cost! They charge you a 30 dollar member ship fee every month so you pay triple what you should for water its ridiculous. …"
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 Neptune Beach

More Insurance Options in Neptune Beach, FL

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

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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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View Sanderson Coverage
Read the Full Critical Illness Consumer Guide →

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

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