June Marcia Williams

Your Insurance Agent in Molino, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Molino, FL...

National Producer No.

17209549

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Final Expense Insurance in Molino, FL

No medical exam. Ages 50-85. Guaranteed acceptance available.

Final expense insurance for Molino, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — simplified-issue funeral and burial coverage from age 50 to 85, 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 · Molino, FL

Molino, FL — Your Local Producer

Hello, Molino! In a close-knit community like ours here in Escambia County, looking out for family and neighbors is just what we do. I'm June Marcia Williams, a licensed insurance producer living and working right here in Florida. My goal is to help you protect what matters most with personal insurance options like life, final expense, and accident coverage. As your neighbor, I understand the unique needs of our community. Let's have a straightforward conversation about your family's future security. As a licensed professional (NPN: 17209549, FL License No: W840529), I'm here to help you navigate your options.

Molino Community Center
Molino Park Elementary School
Intersection of US-29 and FL-97

NPN17209549FL LicenseW840529

Licensed Final Expense Producers in Molino

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

Austin Paul Conner

Life Including Variable Annuity & Health

NPN 15208046 Licensed 2009

David John Johnson

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

NPN 8912281 Licensed 2006

Debbie Jean Rhodes

Life Including Variable Annuity & Health

NPN 3141553 Licensed 2022

Debra Ann Hodges

Life Including Variable Annuity & Health

NPN 462536 Licensed 2016

Douglas R Gardner

Life Including Variable Annuity & Health

NPN 3926551 Licensed 2002

Elaine Van De Zande

Life Including Variable Annuity & Health

NPN 20594001 Licensed 2023

Emily Elizabeth Long

Life Including Variable Annuity & Health

NPN 21371346 Licensed 2024

Izabel Petty Windley

Life Including Variable Annuity & Health

NPN 20525268 Licensed 2022

Jared Elijah Townley

Life Including Variable Annuity & Health

NPN 20885313 Licensed 2023

Jay Cook

Life Including Variable Annuity & Health

NPN 19071588 Licensed 2019

Jessica Ali Sista

Life Including Variable Annuity & Health

NPN 20505285 Licensed 2022

Joseph Edward Hetrick

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

NPN 12721252 Licensed 2009

Julia Roberson

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

NPN 21393288 Licensed 2024

Michael Alvertis Perkins

Life Including Variable Annuity & Health

NPN 9140881 Licensed 2021

Michael Evan Gilbert

Life Including Variable Annuity & Health

NPN 19735122 Licensed 2020

Michael Todd Gilbert

Life Including Variable Annuity & Health

NPN 17210369 Licensed 2014

Rebecca A Bourgeois

Life Including Variable Annuity & Health

NPN 17137868 Licensed 2024

Sarah Jane Sconiers

Life Including Variable Annuity & Health

NPN 20573900 Licensed 2022

Tereasa Renea Miller

Life Including Variable Annuity & Health

NPN 21626745 Licensed 2025

Tina M Williams

Life Including Variable Annuity & Health

NPN 20857847 Licensed 2023

Velecia Dukes

Life Including Variable Annuity & Health

NPN 21009303 Licensed 2023

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Final Expense Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Final Expense Insurance across the Molino regional market. Rates are localized using regional health baselines.

Official Molino Resources

County Escambia County

Population ~1,253

Lack of insurance (18–64) 10.6%

FIPS code 1246225

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 Molino rates. Start your quote request below.

FL OIR .GOV Escambia County Gov Portal .GOV

4.8 16 reviews

Photos by Sheila Duby via Google Maps

View on Google Maps

Molino Community Center

(850) 587-5011

oldmolino.org

6450-A Hwy 95A N, Molino, FL 32577, USA

Recent Reviews

Sheila Duby ★★★★★

"We had our family reunion here and it was a very nice place. Loved looking at the antiques. They have some beautiful pieces."

Rodney Willis ★★★★★

"I have attended various events, visited the museum and the library,which have all been pleasent experiences and a wealth of knowledge. Recently my wife discovered that there is another reason to love …"

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 Final Expense Guide →

Select your coverage below to see your price in seconds.

See If You Qualify — No Exam Required

Remove the financial burden from loved ones — no obligation — guaranteed acceptance options available

How much burial coverage do you need?

$5K

$10K

$15K

$20K

$25K

$35K

What matters most to you?

Funeral Costs

Medical Bills

Both

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Yes

Have you been diagnosed with or treated for cancer, heart disease, stroke, COPD, or organ failure?

Yes

Have you been hospitalized in the past 2 years (other than for routine procedures)?

Yes

Do you currently use a wheelchair, oxygen, or receive home health care?

Yes

Have you been diagnosed with diabetes requiring insulin?

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.

✅

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

Your illustrative monthly estimate Example: $10,000 coverage — select your amount above for your range.

Compare Plans

Final Expense Options

Best Value

Preferred Plan

Full benefit from day one

100% death benefit immediately
Ages 50-85, up to $35K
No medical exam
Accidental Death rider available
Terminal illness rider included

Get Quote

Standard Plan

Full benefit from day one

100% death benefit immediately
Ages 50-85, up to $20K
No medical exam
Some health conditions OK
Level premiums for life

Get Quote

Guaranteed Issue Plan

Graded benefit — guaranteed

Years 1-2: premiums + 10% interest
Year 3+: full death benefit
Ages 50-80, up to $15K
No medical exam
Accidental death = full benefit yr 1

Get Quote

📖 Final Expense Knowledge

Everything You Need to Know About Final Expense Insurance

🕊️

What Is Final Expense Insurance?

Final expense is a small whole life policy designed to cover end-of-life costs — funeral, burial, cremation, outstanding medical bills, and legal fees. Coverage typically ranges from $5,000 to $50,000. Unlike traditional whole life, final expense is simplified issue — no medical exam, no blood work, just health questions.

💲

How Much Does a Funeral Cost in Florida?

According to the Choice Mutual 2026 / NFDA 2023, the median cost of a traditional funeral with burial in Florida is $8,023. The national median is $8,300. Cremation is less ($3,000–$6,000) but still a significant expense. Final expense insurance covers these costs so your family doesn't have to.

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Guaranteed Issue vs. Simplified Issue

Simplified issue (preferred/standard plans): answer health questions, no exam, immediate full benefit if approved. Guaranteed issue (guaranteed acceptance plans): no health questions at all — everyone qualifies — but has a 2-3 year graded benefit waiting period. Accidental death pays full benefit from day one on both.

🏦

Irrevocable Burial Trusts & Medicaid

In Florida, an irrevocable burial trust funded by a final expense policy is exempt from Medicaid asset calculations. Florida exempts irrevocable prepaid funeral contracts with no dollar cap (Fla. Admin. Code R. 65A-1.712, SSI-Related Medicaid Resource Eligibility Criteria). See Florida guidance. June helps structure these correctly.

👴

Who Should Get Final Expense?

Final expense is designed for seniors ages 50-85 who want to ensure their funeral and end-of-life costs are covered without burdening family. It's also for anyone who has been declined for traditional coverage due to health conditions — guaranteed issue means no one is turned away. Fixed premiums, coverage for life.

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Florida Consumer Protections

Florida law provides a 14-day free-look period on all life insurance policies — return for a full refund, no questions asked (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing benefits and costs. State insurance regulators prohibit misleading "burial insurance" advertising that overstates coverage or understates limitations.

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

Life Insurance in Molino

More Insurance Options in Molino, FL

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

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

Final Expense Insurance FAQ

💰

How much does final expense cost?

Premiums vary by age, health, and coverage amount. Plans range from $5K-$35K. Premiums are level and never increase.

🏥

Is a medical exam required?

No. No medical exam, no blood work, no health interview. Eligibility determined at point of sale from application questions.

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What does it cover?

Funeral, burial or cremation, casket, memorial, outstanding medical bills, and end-of-life expenses. Florida median funeral with burial: $8,023 (Choice Mutual 2026 / NFDA 2023).

📋

What's the graded benefit?

Basic plan: years 1-2 pay premiums + 10% interest if death occurs. Year 3+ pays full face amount. Accidental death = full benefit day one.

👴

Can I get coverage at age 80?

Yes. Ages 50-85 are eligible. Preferred up to $15K, Standard up to $10K at ages 81-85. Level premiums guaranteed.

Nearby Final Expense Coverage

Read the Full Final Expense 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

Final Expense Insurance in Molino, FL

Molino, FL — Your Local Producer

Licensed Final Expense Producers in Molino

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Molino Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Qualify — No Exam Required

Quote Request Received!

Final Expense Options

Preferred Plan

Standard Plan

Guaranteed Issue Plan

Everything You Need to Know About Final Expense Insurance

What Is Final Expense Insurance?

How Much Does a Funeral Cost in Florida?

Guaranteed Issue vs. Simplified Issue

Irrevocable Burial Trusts & Medicaid

Who Should Get Final Expense?

Florida Consumer Protections

More Insurance Options in Molino, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Final Expense Insurance FAQ

How much does final expense cost?

Is a medical exam required?

What does it cover?

What's the graded benefit?

Can I get coverage at age 80?

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Talk to a real person. Today.

Final Expense Insurance Underwriting Scope

Official Molino Resources