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Home›Florida›Hardee County›Gardner

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

Your Local FL Advocate for Simplified-Issue & Fully-Underwritten Policies

Get Customized Coverage in Gardner Without the Complexity

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

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

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
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🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Gardner, FL

Gardner, FL — Your Local Producer

For my neighbors in Gardner and across Hardee County, I understand that our way of life is built on strong community ties and looking out for one another. Protecting your family's future is one of the most important things you can do. As a licensed insurance producer, I'm here to help you navigate your options, whether you're considering Term Life, Final Expense, or other personal policies to safeguard what matters most. My goal is to provide clear, straightforward guidance so you can make confident decisions. I'm June Marcia Williams (NPN: 17209549, Florida License No: W840529).

  • Gardner Baptist Church
  • Gardner Cemetery
  • State Road 31
NPN17209549FL LicenseW840529

Gardner is home to approximately 493 residents in Hardee County, with a median age of 68.0 and a median household income of $33,800. About 100% of homes are owner-occupied; the median home value is $111,000. 6% of adults hold a bachelor's degree or higher; households with children make up 32%; veterans comprise 12% of residents. Average household size is 2.3. These demographic markers shape which life insurance products fit Gardner households.

How Gardner compares to Hardee County

HARDEE COUNTY · 26K RESIDENTS GARDNER · 493 RESIDENTS
Hardee County vs Gardner — population comparison Hardee County: 25,528 residents. Gardner: 493 residents, 1.9% of Hardee County population.
25,528 HARDEE COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
493 GARDNER RESIDENTS ↳ 1.9% of Hardee County residents
Underwriting Guidelines

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

Many Gardner residents secure competitive rates despite arthritis. Hardee County reports 27.0% adult prevalence (CDC PLACES); 16.9% also manage current cigarette smoking, with 26.1% of the ~26,000 population lacking health insurance. Carriers offer fully underwritten and simplified-issue paths sized to the clinical specifics.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Limestone →

📊 Top Health Considerations (CDC)

Top Health Considerations for Gardner (CITY) High cholesterol: 40.8%. High blood pressure: 37.5%. Obesity: 38.4%. Diagnosed diabetes: 15.8%. Current cigarette smoking: 16.9%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · GARDNER High cholesterol 40.8% High blood pressure 37.5% Obesity 38.4% Diagnosed diabetes 15.8% Current cigarette smoking 16.9% 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

Hardee County Gov Portal .GOV
Population ~493
Lack of health insurance (18–64) 24.8%

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

FIPS code 1225550
Google Maps
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Available in Gardner

Life Insurance Products in Gardner, FL

9 insurance products available in Gardner

🛡️ 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 Hardee County and Nearby Florida Counties

Life Insurance by City Near Gardner, FL

85 licensed producers on public record in Hardee County.

🌟 Cities Served near Gardner

28 Cities · 3 Counties
Manatee County10
Anna MariaBayshore GardensBraden RiverBradentonBradenton BeachCollege PlazaHolmes BeachPalmettoTerra CeiaWest Bradenton
Hardee CountyHome8
Bowling GreenFort GreenFort Green SpringsLemon GroveLimestoneOnaWauchulaZolfo Springs
Sarasota County10
FruitvilleMeadows VillageNorth PortNorth SarasotaSarasotaSarasota SpringsSouth SarasotaSouth VeniceVeniceWarm Mineral Springs
Official Resources

Know your rights in Gardner.

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

Gardner Life Insurance Questions

💰

How much does life insurance cost in Gardner?

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.

Gardner
📋

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 Gardner?

Yes. June serves all of Gardner and every municipality in Hardee 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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