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Home›Florida›Franklin County›Apalachicola

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

Life Insurance in Apalachicola, FL

Top-Rated Financial Protection for Apalachicola Residents

Honest, Local Insurance Guidance for Your Family's Future in Franklin County

Your local licensed agent in Apalachicola, Franklin County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Apalachicola, Franklin County, Florida residents — fully-underwritten, simplified-issue, and final-expense products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
🛡️ Get Your Quote 📅 Schedule a Call
🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Apalachicola, FL

Apalachicola, FL — Your Local Producer

For my neighbors in Apalachicola, life here in Franklin County has a rhythm all its own, tied to the water and our unique coastal history. Protecting your family's future should feel just as personal and straightforward. My name is June Marcia Williams, and as a licensed insurance producer in Florida (License No: W840529), I'm dedicated to helping local families navigate their options. I offer personal lines like Term and Whole Life, Final Expense, Critical Illness, and Accident & Injury policies to help you prepare for the unexpected. My goal is to provide clear, one-on-one guidance. (NPN: 17209549)

  • Apalachicola City Hall
  • Orman House Historic State Park
  • Apalachicola Maritime Museum
NPN17209549FL LicenseW840529

Apalachicola is home to approximately 2,500 residents in Franklin County, with a median age of 53.8 and a median household income of $61,300. About 66% of homes are owner-occupied; the median home value is $243,000. 29% of adults hold a bachelor's degree or higher; households with children make up 13%; veterans comprise 8% of residents. Average household size is 2.2. These demographic markers shape which life insurance products fit Apalachicola households.

How Apalachicola compares to Franklin County

FRANKLIN COUNTY · 12K RESIDENTS APALACHICOLA · 3K RESIDENTS
Franklin County vs Apalachicola — population comparison Franklin County: 12,276 residents. Apalachicola: 2,504 residents, 20.4% of Franklin County population.
12,276 FRANKLIN COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
2,504 APALACHICOLA RESIDENTS ↳ 20.4% of Franklin County residents
Underwriting Guidelines

What rate class can Apalachicola applicants with arthritis expect from life insurance carriers?

Yes, qualification is common in Apalachicola. Within Franklin County's ~12,000 residents — including the 13.9% currently without health coverage — 23.7% of adults manage arthritis and 16.1% live with current cigarette smoking per current CDC PLACES data. Multiple A-rated carriers offer Standard or Preferred rates for well-controlled cases via fully underwritten products, with simplified-issue alternatives where clinical specifics warrant a faster path.

Coverage options and underwriting standards vary by carrier. View insurance in nearby St. George Island →

📊 Top Health Considerations (CDC)

Top Health Considerations for Apalachicola (CITY) High cholesterol: 41.1%. High blood pressure: 44%. Obesity: 32.7%. Diagnosed diabetes: 15.5%. Current cigarette smoking: 16.1%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · APALACHICOLA High cholesterol 41.1% High blood pressure 44.0% Obesity 32.7% Diagnosed diabetes 15.5% Current cigarette smoking 16.1% Data sourced directly from the CDC PLACES Dataset.

Tier projection blends county-level prevalence with carrier underwriting bands. Higher prevalence shifts more of each bar into Standard and Rated/Watch segments. Use as a county baseline, not an individual underwriting outcome.

Preferred Range
Standard
Rated / Watch

Official City Resources

Franklin County Gov Portal .GOV
Population ~2,504
Lack of health insurance (18–64) 13.4%

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

FIPS code 1201625
Google Maps
3.4 5 reviews
Apalachicola City Hall photo 1
Photos by Clay E via Google Maps
View on Google Maps
Apalachicola City Hall
Open now · Mon 8:00 AM – 5:00 PM
(850) 653-9319
cityofapalachicola.com
192 Coach Wagoner Blvd, 192 14th St, Apalachicola, FL 32320, USA
Recent Reviews
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"I watched a video where a public employee was so rude and disgusting that I can't believe it's happening in today's day and age and today's technology. Your city needs to come into the 21st century an…"
Chris Herron ★★★★★
"Good people!"
Available in Apalachicola

Life Insurance Products in Apalachicola, FL

9 insurance products available in Apalachicola

🛡️ Life Insurance

Term Life

Level-premium protection for 10, 20, or 30 years. Designed to cover mortgages, income replacement, and family obligations.

View Term Life 💎 Life Insurance

Whole Life

Permanent coverage with guaranteed cash value accumulation. Lifetime protection that doubles as a financial asset.

View Whole Life 📈 Life Insurance

Universal Life

Flexible premiums with index-linked growth potential. Adjustable coverage that adapts to your financial goals over time.

View Universal Life 🏥 Supplemental Health

Critical Illness

Lump-sum benefit upon diagnosis of a covered condition — cancer, heart attack, stroke, and more. Use it however you need.

View Critical Illness 🏨 Supplemental Health

Hospital Indemnity

Daily cash benefit for hospital stays, regardless of other insurance. Covers deductibles, lost wages, and out-of-pocket costs.

View Hospital Indemnity ⚡ Supplemental Health

Accident & Injury

Cash benefits for accidents — fractures, dislocations, burns, emergency transport. Pays on top of your existing health plan.

View Accident & Injury 🏢 Business

Business Life

Key person, buy-sell funding, and executive benefits. Protect your business from the financial impact of losing a critical contributor.

View Business Life 🔑 Specialized

Special Situations

Pre-existing conditions, no-exam options, marijuana users, high-risk applicants. Coverage solutions when standard plans say no.

View Special Situations 🕊️ Life Insurance

Final Expense

Covers funeral, burial, cremation, and end-of-life costs. No medical exam. Ages 50–85. Premiums never increase.

View Final Expense
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Life Insurance in Franklin County and Nearby Florida Counties

Life Insurance by City Near Apalachicola, FL

33 licensed producers on public record in Franklin County.

🌟 Cities Served near Apalachicola

13 Cities · 3 Counties
Gulf County3
Port Saint JoePort St. JoeWewahitchka
Franklin CountyHome5
CarrabelleEastpointLanark VillageSaint George IslSt. George Island
Wakulla County5
CrawfordvillePanaceaSaint MarksSopchoppySt. Marks
🏛️ Know Your Agent · Public Record Directory

Licensed Insurance Agents in Apalachicola, Florida

Florida DFS public records show 21 actively licensed insurance producers with business addresses in Apalachicola (Franklin County County). 14 hold Life & Health authority; 8 hold Property & Casualty authority. Browse by line below, or verify any license number directly with the state.

21Licensed producers
14Life & Health
8General Lines (P&C)

Browse producers by line

Life & Health Agents
14 producers · life-authorised
General Lines (Property & Casualty)
8 producers · 2-20

Featured licensed producers

Browse all →
EJ
Elisabeth Carson Johnson
Life Including Variable Annuity & Health
NPN 8864178 Licensed 2016
ST
Stephnia Yvette Turrell
Life Including Variable Annuity & Health
NPN 9192910 Licensed 2016
BL
Belinda Noel Lockley
Life Including Variable Annuity & Health
NPN 20360443 Licensed 2022
RJ
Robert Brett Johnson
Life Including Variable Annuity & Health
NPN 18575610 Licensed 2017
KM
Katie Marks
General Lines (Property & Casualty)
NPN 8865806 Licensed 2008
MA
Melissa L Abercrombie
General Lines (Property & Casualty)
NPN 2449279 Licensed 2012

Producer listings are compiled from Florida Department of Financial Services public licensee records, Fla. Stat. §119.01. June Life Insurance does not endorse, rank, or rate any listed producer and is not a government agency.

Official Resources

Know your rights in Apalachicola.

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law.

Visit floir.gov →.GOV

Verify Agent License (NIPR)

Look up June's NPN (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides on choosing life insurance, understanding policy types, and filing complaints.

Visit naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for and your federal protections.

Visit ftc.gov →.GOV
Frequently Asked Questions

Apalachicola Life Insurance Questions

💰

How much does life insurance cost in Apalachicola?

Rates vary based on age, health, coverage amount, and policy type. Term life is generally the most affordable. A licensed agent can compare carriers for your specific situation.

Apalachicola
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for applicants with pre-existing health conditions. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Apalachicola?

Yes. June serves all of Apalachicola and every municipality in Franklin County. Licensed in five states: NJ, PA, FL, MD, and VA.

Full Coverage
🏥

What is critical illness insurance?

Pays a lump-sum cash benefit upon diagnosis of cancer, heart attack, stroke, or organ failure. Supplements health insurance by covering deductibles, lost wages, and non-medical expenses.

Critical Illness
✅

How do I verify June's FL license?

Verify through FL OIR at floir.gov or NIPR at nipr.com. June Marcia Williams — NPN 17209549, FL License #W840529.

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