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Home›Florida›Highlands County›Lake Placid›Critical Illness Insurance

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

Critical Illness Insurance in Lake Placid, FL

Fill the gap between health insurance and real-life costs.

Critical illness insurance for Lake Placid, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — lump-sum benefits paid on diagnosis of cancer, heart attack, or stroke, 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 · Lake Placid, FL

Lake Placid, FL — Your Local Producer

Hello to my neighbors in Lake Placid! Living here in Highlands County, we appreciate the unique beauty of our community, from the stunning murals that tell our story to the serene waters of our many lakes. As a licensed insurance producer right here in Florida, I'm dedicated to helping my fellow residents protect what matters most. I offer a range of personal insurance options, including Term Life, Whole Life, Final Expense, and supplemental health plans. My goal is to help you understand your choices so you can find a path forward with confidence. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • The Murals of Lake Placid
  • Toby's Clown School
  • Lake Placid Tower
NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Lake Placid

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

AN
Alexander Whitehead Rivera Nieves
Life Including Variable Annuity & Health
NPN 20830744 Licensed 2023
AB
Allisa Michelle Burke-Thomas
Life Including Variable Annuity & Health
NPN 8073064 Licensed 2024
AH
Alyssa Hill
Life Including Variable Annuity & Health
NPN 20815284 Licensed 2023
AD
Amethyst Luz Dawson
Life Including Variable Annuity & Health
NPN 20469135 Licensed 2022
AL
Amy Lee
Life Including Variable Annuity & Health
NPN 21470205 Licensed 2025
AN
Anna R Nichols
Life Including Variable Annuity & Health
NPN 20059858 Licensed 2021
AT
Anny C Tapia
Life Including Variable Annuity & Health
NPN 19281098 Licensed 2019
AP
Audrey Pendarvis
Life Including Variable Annuity & Health
NPN 21618860 Licensed 2025
AG
Austin Brantley Gibbs
Life Including Variable Annuity & Health
NPN 22236809 Licensed 2026
BP
Barbara Lynn Powell
Life Including Variable Annuity & Health
NPN 10617024 Licensed 2016
BC
Benjamin Alexander Clabault
Life Including Variable Annuity & Health
NPN 22226030 Licensed 2026
BD
Brandee Ranae Delgado
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 16527549 Licensed 2015
BH
Brittany Melyn Higgins
Life Including Variable Annuity & Health
NPN 19170380 Licensed 2019
BC
Bryce David Courson
Life Including Variable Annuity & Health
NPN 22197026 Licensed 2026
CB
Cheryl Sloan Brown
Life Including Variable Annuity & Health
NPN 16580772 Licensed 2012
CT
Christopher Troye
Life Including Variable Annuity & Health
NPN 21380879 Licensed 2024
CH
Cody R Higgins
Life Including Variable Annuity & Health
NPN 18532218 Licensed 2017
CP
Colleen Robin Pennisi-Perez
Life Including Variable Annuity & Health
NPN 16243652 Licensed 2011
CS
Curtis L Slade
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 16653832 Licensed 2014
DH
Daniel Bryan Harmon
Life Including Variable Annuity & Health
NPN 21711173 Licensed 2025
DB
Derek Gray Bissette
Life Including Variable Annuity & Health
NPN 22150791 Licensed 2026
DD
Dylan Robert Deford
Life Including Variable Annuity & Health
NPN 22150774 Licensed 2026
EC
Edgar Cancino
Life Including Variable Annuity & Health
NPN 21044930 Licensed 2023
EC
Edward Thomas Carpenter
Life Including Variable Annuity & Health
NPN 722603 Licensed 2021
View all 87 licensed critical illness producers in Lake Placid →

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

Critical Illness Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Critical Illness Insurance across the Lake Placid regional market. Rates are localized using regional health baselines.

Official Lake Placid Resources

County Highlands County
Population ~2,349
Lack of insurance (18–64) 18.3%
FIPS code 1238625

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 Lake Placid rates. Start your quote request below.

FL OIR .GOV Highlands County Gov Portal .GOV
Google Maps
5.0 6 reviews
Town of Lake Placid Government Center photo 1
Photos by Angel Mejia via Google Maps
View on Google Maps
Town of Lake Placid Government Center
Open now · Mon 8:00 AM – 4:00 PM
(863) 699-3747
lakeplacidfl.net
1069 FL-25, Lake Placid, FL 33852, USA
Recent Reviews
Charles Del Campo ★★★★★
"Great governmental building and employees but don’t expect any help or assistance whatsoever from the elected political representatives who will bluntly refuse to help you at all..good old boys town!"
Javier Gonzalez ★★★★★
"Great service! Mrs. Sabrina has great customer service skills. I would defenetly recommend calling if you have questions or concerns."
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 Critical Illness Guide →

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Focus on recovery, not medical bills — no obligation — tailored quotes from leading providers

✅

You may qualify for coverage!

Based on your selections, June can compare rates from multiple A-rated carriers. Enter your contact info below so she can reach out with your personalized options.

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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

Critical Illness Options

Cancer Only

Diagnosis-triggered lump sum
  • 100% lump sum on cancer diagnosis
  • $300 skin cancer benefit
  • $75/yr annual care for 5 years
  • Option B: $200/day hospital
  • Option B: $50/yr wellness screening
Get Quote
Most Comprehensive

Cancer + Heart & Stroke

Combined critical illness protection
  • 100% lump sum: cancer, heart attack, stroke
  • 50% for bypass surgery
  • 25% for angioplasty, stent, TIA
  • Option B: $100/yr wellness screening
  • Subsequent diagnosis scale to 100%
Get Quote

Heart & Stroke Only

Cardiovascular protection
  • 100% lump sum: heart attack or stroke
  • 50% for coronary artery bypass
  • 25% for angioplasty, stent, TIA
  • End-stage renal failure covered
  • Option B: $50/yr wellness screening
Get Quote
📖 Critical Illness Knowledge

Everything You Need to Know About Critical Illness Insurance

🏥

What Is Critical Illness Insurance?

Critical illness insurance pays a one-time, tax-free lump sum if you're diagnosed with a covered condition — cancer, heart attack, stroke, or other specified illnesses. It's not health insurance. It's income replacement when you can't work. Use the cash for anything: treatment copays, mortgage payments, childcare, travel to specialists, or lost wages.

💲

How the Lump Sum Works

Choose a benefit amount from $10,000 to $100,000. If diagnosed with a covered condition, you receive the full lump sum (or a percentage for lesser conditions like TIA or skin cancer). The money is paid directly to you — not the hospital, not the insurance company. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, scaling to 100% after 61 months.

🎗️

What Conditions Are Covered?

Cancer: All invasive cancers (100% lump sum), carcinoma in-situ (25%), skin cancer ($300). Heart & Stroke: Heart attack (100%), stroke (100%), coronary artery bypass (50%), angioplasty/stent (25%), TIA (25%). Combined plans also cover end-stage renal failure. All conditions must be first-time diagnoses after the policy effective date.

💎

Option A vs. Option B

Option A: Lump sum only — simple, clean, one payment on diagnosis. Option B: Lump sum PLUS hospital confinement ($200/day for days 1-30, $400/day for 31+), wellness screening benefit ($50-$100/year for preventative care), and radiation/chemo benefits ($200/day). Option B costs more but provides ongoing support during treatment.

⚕️

Health Insurance Gap Coverage

Health insurance covers medical bills. But it doesn't cover your mortgage, car payment, groceries, or childcare while you're in treatment. The average cancer patient faces $12,000+ in out-of-pocket costs in the first year alone — and that's with insurance. Critical illness insurance fills the gap between what health insurance covers and what life actually costs during a health crisis.

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Florida Consumer Protections

Florida requires a 14-day free-look period on all supplemental health policies (Fla. Stat. § 627.4554). Critical illness policies typically have a 12-month pre-existing condition lookback — conditions diagnosed or treated in the 12 months before your effective date are excluded during the first policy year. After that, full coverage applies. All policies are guaranteed renewable for life.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated supplemental health carriers.
Life Insurance in Lake Placid

More Insurance Options in Lake Placid, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense
Insurance Resources

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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

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Frequently Asked Questions

Critical Illness Insurance FAQ

💰

How much does critical illness insurance cost?

Premiums vary by age, coverage type, and benefit amount. Coverage is affordable for most families. June provides personalized quotes based on your specific situation — no obligation.

🏥

Is a medical exam required?

No medical exam. Eligibility is based on health questions at point of sale. Pre-existing conditions within the past 12 months may affect eligibility for specific coverage types.

🔄

Can I claim more than once?

Yes. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, 40% after 25 months, scaling to 100% after 61 months since the previous diagnosis. The scale resets after each claim.

❤️

What if I have a family history of cancer or heart disease?

Family history alone does not disqualify you. Eligibility depends on your personal health history. Certain current conditions may affect which coverage type you qualify for. June helps navigate the options.

📋

Does this replace health insurance?

No. Critical illness insurance supplements health insurance. Health insurance covers medical bills. Critical illness insurance covers everything else — mortgage, bills, lost income, childcare. They work together.

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Venus Wealth Strategy

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Buckhead Ridge Financial Security

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The Moore Haven Legacy Plan

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Palmdale Coverage Guide

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The Arcadia Legacy Plan

Dedicated Critical Illness coverage page for Arcadia with local agent support.

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Pine Level Life Protection

Critical Illness protection tailored to Pine Level families and businesses.

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Southeast Arcadia Wealth Strategy

Personalized Critical Illness quotes for Southeast Arcadia residents — no obligation.

View Southeast Arcadia Coverage
Read the Full Critical Illness Consumer Guide →

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

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