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

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Term Life Insurance in Neptune Beach, FL

Compare 10, 20, and 30-year term rates from top carriers.

Term life insurance for Neptune Beach, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — level premiums for 10, 20, or 30 years and tax-free death benefit, 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 Term Life Producers in Neptune Beach

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

Alison Hall

Life Including Variable Annuity & Health

NPN 21695665 Licensed 2025

Amadou Cisse

Life Including Variable Annuity & Health

NPN 21673808 Licensed 2025

Amelia G Gartley

Life Including Variable Annuity & Health

NPN 20430161 Licensed 2022

Angela Ruth Redden

Life Including Variable Annuity & Health

NPN 19418093 Licensed 2020

Angelic Marie Fleites

Life Including Variable Annuity & Health

NPN 19973836 Licensed 2021

Austin Hnath

Life Including Variable Annuity & Health

NPN 16779180 Licensed 2012

Barbara Joan Warwick

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

NPN 560617 Licensed 1986

Bates Aaron Biggar

Life Including Variable Annuity & Health

NPN 17537820 Licensed 2020

Brian Sasaki-Scanlon

Life Including Variable Annuity & Health

NPN 12048488 Licensed 2008

Bryan Barker

Life Including Variable Annuity & Health

NPN 7818447 Licensed 2003

Bryanna Davis

Life Including Variable Annuity & Health

NPN 16449372 Licensed 2011

Cameron Webster Lenhoff

Life Including Variable Annuity & Health

NPN 20319829 Licensed 2022

Catherine Foster Freeman

Life Including Variable Annuity & Health

NPN 20682167 Licensed 2023

Charles Joseph Perrone

Life Including Variable Annuity & Health

NPN 448712 Licensed 1985

Dane Quintal

Life Including Variable Annuity & Health

NPN 21295132 Licensed 2024

David Andrew Buchman

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

NPN 7623009 Licensed 2006

David Michael Linger

Life Including Variable Annuity & Health

NPN 2333177 Licensed 2000

Debra Allison Merritt

Life Including Variable Annuity & Health

NPN 20322787 Licensed 2022

Edward Robert Barbarito

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

NPN 7395654 Licensed 2002

Erich William Reichardt

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

NPN 20521838 Licensed 2022

Erin Marie Stehl

Life Including Variable Annuity & Health

NPN 1938028 Licensed 2025

Evan Hoffer

Life Including Variable Annuity & Health

NPN 22178533 Licensed 2026

Foster James Leboeuf

Life Including Variable Annuity & Health

NPN 20533292 Licensed 2022

Gage Oliver Sellers

Life Including Variable Annuity & Health

NPN 21374666 Licensed 2024

View all 76 licensed term life 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.

Term Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Term Life 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

3.4 8 reviews

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 Term Life Guide →

Select your coverage below to see your price in seconds.

See If You Pre-Qualify in 60 Seconds

Fast, personalized quotes — no obligation — no medical exam up to $400K

How much coverage do you need?

$50K

$100K

$150K

$250K

$400K

$500K+

How long do you need coverage?

10 yr

15 yr

20 yr

25 yr

30 yr

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Never

Quit 5+ yrs

Quit 1-5 yrs

Current

Have you ever been treated for high blood pressure?

Yes

Have you ever been treated for high cholesterol?

Yes

Have you been diagnosed with or treated for diabetes?

Yes

Has a parent died before age 65 from heart disease or cancer?

Yes

Any DUI/DWI in the past 5 years?

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.

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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

Compare Plans

Term Life Options

10-Year Term

Lowest monthly cost

Complete the quick form above to see your estimate

Level premium for 10 years
Issue ages 18-80
No exam up to $400K
Convertible to permanent
Renewable to age 100

Get Quote

20-Year Term

Best value for families

Complete the quick form above to see your estimate

Level premium for 20 years
Issue ages 18-65
No exam up to $400K
Convertible to permanent
Covers mortgage + college

Get Quote

30-Year Term

Maximum protection

Complete the quick form above to see your estimate

Level premium for 30 years
Issue ages 18-55
No exam up to $400K
Convertible to permanent
Locks rate til retirement

Get Quote

📖 Term Life Knowledge

Everything You Need to Know About Term Life Insurance

🛡️

What Is Term Life Insurance?

Term life is pure death benefit protection for a set period — 10, 20, or 30 years. If you die during the term, your beneficiaries receive a tax-free lump sum. If you outlive the term, the policy expires. No cash value, no investment component. It's the most affordable type of life insurance because you're only paying for the death benefit.

💲

How Much Does Term Life Cost?

A healthy 30-year-old can get a $500,000 20-year term policy for under $25/month. Rates depend on age, health, tobacco use, coverage amount, and term length. Shorter terms cost less. Women typically pay less than men. Life insurance premiums paid by the policyowner are not subject to a state sales tax in any U.S. state.

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Can I Convert to Permanent Later?

Most quality carriers include a conversion privilege — the right to convert your term policy to whole life or universal life without a new medical exam. This is critical: if your health changes during the term, conversion lets you keep coverage. June only recommends carriers with strong conversion options.

📊

How Much Coverage Do I Need?

The DIME method: Debt + Income replacement + Mortgage + Education. Add up what your family needs if you're gone. A common shortcut: 10-12× your annual income. A family earning $75K needs roughly $750K-$900K. June provides a free needs analysis to find your exact number.

🏥

Do I Need a Medical Exam?

Traditional fully-underwritten term life requires a brief paramedical exam (blood draw, blood pressure, height/weight) — this typically qualifies you for the lowest premiums. No-exam options exist through accelerated underwriting for coverage up to $500K, but premiums are 15-30% higher. June helps you decide which path makes sense for your situation.

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Florida Life Insurance Consumer Rights

Florida law provides a 14-day free-look period — return any policy within that window for a full refund (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing guaranteed and non-guaranteed values. Your agent must disclose all compensation. June operates under a fiduciary mindset: your needs first, always.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA.

Life Insurance in Neptune Beach

More Insurance Options in Neptune Beach, FL

💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 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.

Visit nipr.com →.COM

Frequently Asked Questions

Term Life Insurance FAQ

💰

How much does term life cost in Neptune Beach?

A healthy 35-year-old can get $500K coverage for around $28/month on a 20-year term. Rates vary by age, health, and coverage amount.

📅

What term lengths are available?

10-year, 20-year, and 30-year terms. Shorter terms cost less. Longer terms lock in your rate. June helps you find the right fit.

🔄

Can I convert to whole life later?

Most carriers offer conversion without a new medical exam. Valuable safety net if your health changes down the road.

🏥

Do I need a medical exam?

Traditional term life requires a brief exam for lower premiums. No-exam options available at slightly higher premiums for quick coverage.

📊

How much coverage do I need?

Guideline: 10-12x annual income. A family earning $60K/year needs $600K-$720K. June provides free needs analysis.

Nearby Term Life Coverage

Read the Full Term Life Consumer Guide →

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

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Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Term Life Insurance in Neptune Beach, FL

Neptune Beach, FL — Your Local Producer

Licensed Term Life Producers in Neptune Beach

🛡️ Term Life Insurance Underwriting Scope

🏛️ Official Neptune Beach Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Pre-Qualify in 60 Seconds

Quote Request Received!

Term Life Options

10-Year Term

20-Year Term

30-Year Term

Everything You Need to Know About Term Life Insurance

What Is Term Life Insurance?

How Much Does Term Life Cost?

Can I Convert to Permanent Later?

How Much Coverage Do I Need?

Do I Need a Medical Exam?

Florida Life Insurance Consumer Rights

More Insurance Options in Neptune Beach, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Term Life Insurance FAQ

How much does term life cost in Neptune Beach?

What term lengths are available?

Can I convert to whole life later?

Do I need a medical exam?

How much coverage do I need?

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Talk to a real person. Today.

Term Life Insurance Underwriting Scope

Official Neptune Beach Resources