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Home›Florida›Jefferson County›Monticello›Critical Illness Insurance

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

Critical Illness Insurance in Monticello, FL

Lump-sum cash on diagnosis — cancer, heart attack, stroke.

Critical illness insurance for Monticello, 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 · Monticello, FL

Monticello, FL — Your Local Producer

Hello, Monticello! I'm June Marcia Williams, and I feel a deep connection to the historic charm and natural beauty that make Jefferson County so special. In a place with such strong roots, planning for your family's future is just as important as preserving our local heritage. As your licensed insurance producer, I'm here to help you navigate your options for life insurance, final expense, and other personal policies. Whether you're near the courthouse square or enjoying the quiet life, I can help you find a plan that fits your needs. Let's talk about securing your family's future. (NPN: 17209549, Florida License No: W840529)

  • Jefferson County Courthouse
  • Monticello Opera House
  • Jefferson County High School
NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Monticello

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

AG
Amanda Guilfoyle
Life Including Variable Annuity & Health
NPN 20856244 Licensed 2023
BH
Billy V. Hopkins
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 245605 Licensed 1994
BF
Brent David Facemire
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 7408596 Licensed 2023
BG
Brittany Green
Life Including Variable Annuity & Health
NPN 21219439 Licensed 2024
BP
Brittany Patterson
Life Including Variable Annuity & Health
NPN 22277539 Licensed 2026
CK
Carolyn Sue Kramer
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 8088790 Licensed 2004
CB
Cetta Barnhart
Life Including Variable Annuity & Health
NPN 17111163 Licensed 2013
CF
Charity Facemire
Life Including Variable Annuity & Health
NPN 7597738 Licensed 2025
CH
Cynthia Roberts Holland
Life Including Variable Annuity & Health
NPN 16824236 Licensed 2012
DL
Daniel Lee
Life Including Variable Annuity & Health
NPN 20417565 Licensed 2022
DB
David Emanuel Rodriguez Barrios
Life Including Variable Annuity & Health
NPN 22071251 Licensed 2025
DW
Denzel Whitfield
Life Including Variable Annuity & Health
NPN 18837708 Licensed 2018
DD
Doriann Deras
Life Including Variable Annuity & Health
NPN 20290570 Licensed 2022
DE
Doyle Carlton Enfinger
Life Including Variable Annuity & Health
NPN 20537477 Licensed 2022
EC
Elizabeth Crockett
Life Including Variable Annuity & Health
NPN 17220865 Licensed 2014
EF
Esther Fulford
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 21606333 Licensed 2025
EB
Evanda Bend
Life Including Variable Annuity & Health
NPN 20806988 Licensed 2023
HG
Hunter Patrick Greene
Life Including Variable Annuity & Health
NPN 20473850 Licensed 2022
JS
James Skipworth
Life Including Variable Annuity & Health
NPN 22109485 Licensed 2026
JS
James Thomas Surles
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 442427 Licensed 1974
JK
Joshua E. Kenison
Life Including Variable Annuity & Health
NPN 9719271 Licensed 2008
JL
Joshua James Leibbrand
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20343687 Licensed 2022
JA
Juliann Mary Anderson
Life Including Variable Annuity & Health
NPN 590062 Licensed 1995
JS
Julie Denise Sutphin
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20732015 Licensed 2023
View all 47 licensed critical illness producers in Monticello →

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 Monticello regional market. Rates are localized using regional health baselines.

Official Monticello Resources

County Jefferson County
Population ~2,589
Lack of insurance (18–64) 14.1%
FIPS code 1246500

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 Monticello rates. Start your quote request below.

FL OIR .GOV Jefferson County Gov Portal .GOV
Google Maps
3.7 3 reviews
Monticello City Hall photo 1Monticello City Hall photo 2
Photos by Urias Takatohi , Jeanne Thomas via Google Maps
View on Google Maps
Monticello City Hall
Open now · Mon 8:00 AM – 5:00 PM
(850) 342-0153
cityofmonticello.us
245 S Mulberry St, Monticello, FL 32344, USA
Recent Reviews
Leonardo Rock ★☆☆☆☆
"Do not move here if your water is through Monticello City Utility Services (MCUS). They have terrible customer service. We called about a leak and they said there was no significant change then sent a…"
Jeanne Thomas ★★★★★
"Such a beautiful friendly little town"
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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Consultation Request Sent!

June will call you within 30 minutes 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

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.

⚖️

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 Monticello

More Insurance Options in Monticello, FL

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

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Free consumer guide from FL OIR explaining policy types, replacement rules, and your free-look period.

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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.

Nearby Critical Illness Coverage

Also Serving Jefferson County

Aucilla Life Protection

Critical Illness protection tailored to Aucilla families and businesses.

View Aucilla Coverage

Lamont Life Protection

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

View Lamont Coverage

Lloyd Financial Security

Personalized Critical Illness quotes for Lloyd residents — no obligation.

View Lloyd Coverage

The Wacissa Legacy Plan

Critical Illness protection tailored to Wacissa families and businesses.

View Wacissa Coverage

Waukeenah Wealth Strategy

Critical Illness protection tailored to Waukeenah families and businesses.

View Waukeenah Coverage

The Perry Legacy Plan

Compare Critical Illness rates from licensed carriers serving Perry.

View Perry Coverage

Salem Life Protection

Personalized Critical Illness quotes for Salem residents — no obligation.

View Salem Coverage

Shady Grove Life Protection

Dedicated Critical Illness coverage page for Shady Grove with local agent support.

View Shady Grove Coverage

Steinhatchee Life Protection

Critical Illness protection tailored to Steinhatchee families and businesses.

View Steinhatchee Coverage

Chattahoochee Life Protection

Compare Critical Illness rates from licensed carriers serving Chattahoochee.

View Chattahoochee Coverage

The Greensboro Legacy Plan

Personalized Critical Illness quotes for Greensboro residents — no obligation.

View Greensboro Coverage

Gretna Life Protection

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

View Gretna Coverage

Havana Financial Security

Critical Illness protection tailored to Havana families and businesses.

View Havana Coverage

Midway Life Protection

Critical Illness protection tailored to Midway families and businesses.

View Midway Coverage

Quincy Wealth Strategy

Critical Illness protection tailored to Quincy families and businesses.

View Quincy Coverage
Read the Full Critical Illness Consumer Guide →

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

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