June Marcia Williams

Your Insurance Agent in Flagler Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Flagler Beach, FL...

National Producer No.

17209549

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Term Life Insurance in Flagler Beach, FL

Income replacement, mortgage protection, and key person coverage.

Term life insurance for Flagler 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 · Flagler Beach, FL

Flagler Beach, FL — Your Local Producer

For those of us lucky enough to call Flagler Beach home, life moves at its own special pace, guided by the tides and the ocean breeze along A1A. As a local licensed insurance producer, I'm dedicated to helping my Flagler County neighbors protect what matters most. I offer a range of personal insurance options, including Term Life, Whole Life, Final Expense, and Critical Illness policies, to help you plan for the future. Whether you're starting a family or securing your legacy, I'm here to help you navigate your choices. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Flagler Beach Municipal Pier
Gamble Rogers Memorial State Recreation Area
Flagler Beach City Hall

NPN17209549FL LicenseW840529

Licensed Term Life Producers in Flagler Beach

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

Alexander Harry Vorgias

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

NPN 8884067 Licensed 2006

Amy Barnhill Ford

Life Including Variable Annuity & Health

NPN 19882268 Licensed 2021

Anasofia Jimenez

Life Including Variable Annuity & Health

NPN 22193668 Licensed 2026

Charles R Triplett

Life Including Variable Annuity & Health

NPN 19193269 Licensed 2019

Colette M Handy

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

NPN 18586760 Licensed 2017

Courtney Hill-Frackowiak

Life Including Variable Annuity & Health

NPN 15791128 Licensed 2023

David M Nash

Life Including Variable Annuity & Health

NPN 16916163 Licensed 2026

Donna Rose Refvik

Life Including Variable Annuity & Health

NPN 22093783 Licensed 2026

Duane Anthony Holt

Life Including Variable Annuity & Health

NPN 21414555 Licensed 2024

Eathyn Tyler Little

Life Including Variable Annuity & Health

NPN 22109495 Licensed 2026

Fred Joseph Tantillo

Life Including Variable Annuity & Health

NPN 417739 Licensed 2022

Hailey Michelle Lulgjuraj

Life Including Variable Annuity & Health

NPN 22224422 Licensed 2026

Iola Dawn Burnsed

Life Including Variable Annuity & Health

NPN 19661889 Licensed 2020

Jack Marlyn Siedling

Life Including Variable Annuity & Health

NPN 20719152 Licensed 2023

Jacob James Koch

Life Including Variable Annuity & Health

NPN 19732796 Licensed 2020

Jacquelyn M Rector

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

NPN 907936 Licensed 2008

Jamie Lynn Cutlip

Life Including Variable Annuity & Health

NPN 20642273 Licensed 2023

Jarrett Reese Patton

Life Including Variable Annuity & Health

NPN 22103890 Licensed 2026

Jay Glen Pivnick

Life Including Variable Annuity & Health

NPN 613686 Licensed 2016

Jenna L Houstoun

Life Including Variable Annuity & Health

NPN 18729047 Licensed 2018

Jimmy Lee Humphrey

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

NPN 492150 Licensed 1993

John Thomas Birney

Life Including Variable Annuity & Health

NPN 423622 Licensed 1987

John Thomas Birney

Life Including Variable Annuity & Health

NPN 18563130 Licensed 2017

Joseph Bruno

Life Including Variable Annuity & Health

NPN 6723561 Licensed 2011

View all 46 licensed term life producers in Flagler 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 Flagler Beach regional market. Rates are localized using regional health baselines.

Official Flagler Beach Resources

County Flagler County

Population ~5,100

Lack of insurance (18–64) 7.8%

FIPS code 1222550

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 Flagler Beach rates. Start your quote request below.

FL OIR .GOV Flagler County Gov Portal .GOV

2.7 10 reviews

Photos by Leonard David Buzby , JUAN DAVID ECHEZABAL , Mary Pippin via Google Maps

View on Google Maps

FLAGLER BEACH CITY COMM ROOM

(386) 517-2000

cityofflaglerbeach.com

105 S 2nd St, Flagler Beach, FL 32136, USA

Recent Reviews

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"Lady needs more training she doesn’t know anything about FOIA or what to do train your people better"

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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.

🔄

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.

⚖️

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 Flagler Beach

More Insurance Options in Flagler 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 Flagler 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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Term Life Insurance in Flagler Beach, FL

Flagler Beach, FL — Your Local Producer

Licensed Term Life Producers in Flagler Beach

🛡️ Term Life Insurance Underwriting Scope

🏛️ Official Flagler 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 Flagler 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 Flagler 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 Flagler Beach Resources