Life Insurance
Term Life Insurance ↳ Term Life Quote & Cost Whole Life Insurance ↳ Whole Life Quotes Term vs Whole Life ↳ Compare Term vs Whole Life Universal Life (IUL) Final Expense Insurance ↳ Final Expense Quotes
Supplemental Coverage
Critical Illness Hospital Indemnity Accident & Injury
Business & Specialty
Business Life Insurance Special Situations
Areas Served
New Jersey Pennsylvania Florida Maryland Virginia About Contact 🗺️ Map I'm an Agent — It's Free

Home›Florida›Indian River County›Winter Beach

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

Life Insurance in Winter Beach, FL

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

Get Customized Coverage in Winter Beach Without the Complexity

Your local licensed agent in Winter Beach, Indian River County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Winter Beach, Indian River 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 · Winter Beach, FL

Winter Beach, FL — Your Local Producer

Hello Winter Beach! I appreciate the unique and peaceful lifestyle we have here in Indian River County. As your neighbor in Florida, I understand the importance of protecting what matters most—your family's financial security. My name is June Marcia Williams, and I am a licensed insurance producer dedicated to helping local families navigate their options. I offer personal guidance on a range of life insurance products, from term and whole life to final expense and critical illness plans. Let's work together to find a strategy that fits your life. (NPN: 17209549, Florida License No: W840529)

  • Winter Beach Post Office
  • U.S. Highway 1
  • Jungle Trail
NPN17209549FL LicenseW840529

Winter Beach is home to approximately 4,300 residents in Indian River County, with a median age of 55.8 and a median household income of $82,000. About 93% of homes are owner-occupied; the median home value is $402,000. 31% of adults hold a bachelor's degree or higher; households with children make up 21%; veterans comprise 8% of residents. Average household size is 3.1. These demographic markers shape which life insurance products fit Winter Beach households.

How Winter Beach compares to Indian River County

INDIAN RIVER COUNTY · 161K RESIDENTS WINTER BEACH · 4K RESIDENTS
Indian River County vs Winter Beach — population comparison Indian River County: 160,986 residents. Winter Beach: 4,273 residents, 2.7% of Indian River County population.
160,986 INDIAN RIVER COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
4,273 WINTER BEACH RESIDENTS ↳ 2.7% of Indian River County residents
Underwriting Guidelines

What rate class can Winter Beach applicants with high blood pressure expect from life insurance carriers?

Many Winter Beach residents secure competitive rates despite high blood pressure. Indian River County reports 40.3% adult prevalence (CDC PLACES); 34.0% also manage arthritis, with 12.2% of the ~161,000 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 West Vero Corridor →

📊 Top Health Considerations (CDC)

Top Health Considerations for Winter Beach (CITY) High cholesterol: 41.4%. High blood pressure: 40.3%. Obesity: 28.8%. Diagnosed diabetes: 15.1%. Current cigarette smoking: 13.2%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · WINTER BEACH High cholesterol 41.4% High blood pressure 40.3% Obesity 28.8% Diagnosed diabetes 15.1% Current cigarette smoking 13.2% 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

Indian River County Gov Portal .GOV
Population ~4,273
Lack of health insurance (18–64) 13.6%

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

FIPS code 1278225
Google Maps
Winter Beach civic building photo 1Winter Beach civic building photo 2
Photos by NATAŠA , Aaron Shaw via Google Maps
View on Google Maps
Available in Winter Beach

Life Insurance Products in Winter Beach, FL

9 insurance products available in Winter Beach

🛡️ 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 Indian River County and Nearby Florida Counties

Life Insurance by City Near Winter Beach, FL

1,454 licensed producers on public record in Indian River County.

🌟 Cities Served near Winter Beach

30 Cities · 3 Counties
Martin County10
Hobe SoundIndiantownJensen BeachJupiter IslandNorth River ShoresOcean BreezePalm CityPort SalernoRioStuart
Indian River CountyHome10
FellsmereFlorida RidgeGiffordIndian River ShoresOrchidSebastianVero BeachVero Beach SouthWabassoWest Vero Corridor
St Lucie County10
Fort PierceFort Pierce NorthFort Pierce SouthHutchinson Island SouthIndian River EstatesLakewood ParkPort Saint LuciePort St. LucieRiver ParkSt. Lucie Village
Official Resources

Know your rights in Winter Beach.

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

Winter Beach Life Insurance Questions

💰

How much does life insurance cost in Winter Beach?

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.

Winter Beach
📋

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 Winter Beach?

Yes. June serves all of Winter Beach and every municipality in Indian River 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.

Verified

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
Select a time and we'll call you · Serving NJ, PA, FL, MD & VA
🛡️ Get Your Quote 📅 Schedule a Call
Ask Lia