Directory
Life & Health Agents Property & Casualty Agents Insurance Agencies Verify a License For Producers
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›Jefferson County›Monticello›Final Expense Insurance

June Marcia Williams — Licensed Final Expense 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 ↗

Final Expense Insurance in Monticello, FL

No medical exam. Ages 50-85. Guaranteed acceptance available.

Final expense insurance for Monticello, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — simplified-issue funeral and burial coverage from age 50 to 85, 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 Final Expense 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 final expense 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.

Final Expense Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Final Expense 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 Final Expense Guide →

Select your coverage below to see your price in seconds.

See If You Qualify — No Exam Required

Remove the financial burden from loved ones — no obligation — guaranteed acceptance options available

Your info is secure and never shared. June will contact you within minutes with personalized quotes. Pre-qualification is an estimate — final rates determined by carrier underwriting.
✅

Quote Request Received!

June will contact you within minutes with personalized quotes 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
Your illustrative monthly estimate Example: $10,000 coverage — select your amount above for your range.
Compare Plans

Final Expense Options

Best Value

Preferred Plan

Full benefit from day one
  • 100% death benefit immediately
  • Ages 50-85, up to $35K
  • No medical exam
  • Accidental Death rider available
  • Terminal illness rider included
Get Quote

Standard Plan

Full benefit from day one
  • 100% death benefit immediately
  • Ages 50-85, up to $20K
  • No medical exam
  • Some health conditions OK
  • Level premiums for life
Get Quote

Guaranteed Issue Plan

Graded benefit — guaranteed
  • Years 1-2: premiums + 10% interest
  • Year 3+: full death benefit
  • Ages 50-80, up to $15K
  • No medical exam
  • Accidental death = full benefit yr 1
Get Quote
📖 Final Expense Knowledge

Everything You Need to Know About Final Expense Insurance

🕊️

What Is Final Expense Insurance?

Final expense is a small whole life policy designed to cover end-of-life costs — funeral, burial, cremation, outstanding medical bills, and legal fees. Coverage typically ranges from $5,000 to $50,000. Unlike traditional whole life, final expense is simplified issue — no medical exam, no blood work, just health questions.

💲

How Much Does a Funeral Cost in Florida?

According to the Choice Mutual 2026 / NFDA 2023, the median cost of a traditional funeral with burial in Florida is $8,023. The national median is $8,300. Cremation is less ($3,000–$6,000) but still a significant expense. Final expense insurance covers these costs so your family doesn't have to.

✅

Guaranteed Issue vs. Simplified Issue

Simplified issue (preferred/standard plans): answer health questions, no exam, immediate full benefit if approved. Guaranteed issue (guaranteed acceptance plans): no health questions at all — everyone qualifies — but has a 2-3 year graded benefit waiting period. Accidental death pays full benefit from day one on both.

🏦

Irrevocable Burial Trusts & Medicaid

In Florida, an irrevocable burial trust funded by a final expense policy is exempt from Medicaid asset calculations. Florida exempts irrevocable prepaid funeral contracts with no dollar cap (Fla. Admin. Code R. 65A-1.712, SSI-Related Medicaid Resource Eligibility Criteria). See Florida guidance. June helps structure these correctly.

👴

Who Should Get Final Expense?

Final expense is designed for seniors ages 50-85 who want to ensure their funeral and end-of-life costs are covered without burdening family. It's also for anyone who has been declined for traditional coverage due to health conditions — guaranteed issue means no one is turned away. Fixed premiums, coverage for life.

⚖️

Florida Consumer Protections

Florida law provides a 14-day free-look period on all life insurance policies — return for a full refund, no questions asked (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing benefits and costs. State insurance regulators prohibit misleading "burial insurance" advertising that overstates coverage or understates limitations.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA.
Life Insurance in Monticello

More Insurance Options in Monticello, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations
Insurance Resources

Know Your Rights in Florida

Florida Office of Insurance Regulation

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

Visit floir.gov →.GOV

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

Verify an Agent's NPN License

Use NIPR's lookup tool to verify any agent's National Producer Number and active state licenses.

Visit nipr.com →.COM
Frequently Asked Questions

Final Expense Insurance FAQ

💰

How much does final expense cost?

Premiums vary by age, health, and coverage amount. Plans range from $5K-$35K. Premiums are level and never increase.

🏥

Is a medical exam required?

No. No medical exam, no blood work, no health interview. Eligibility determined at point of sale from application questions.

⚱️

What does it cover?

Funeral, burial or cremation, casket, memorial, outstanding medical bills, and end-of-life expenses. Florida median funeral with burial: $8,023 (Choice Mutual 2026 / NFDA 2023).

📋

What's the graded benefit?

Basic plan: years 1-2 pay premiums + 10% interest if death occurs. Year 3+ pays full face amount. Accidental death = full benefit day one.

👴

Can I get coverage at age 80?

Yes. Ages 50-85 are eligible. Preferred up to $15K, Standard up to $10K at ages 81-85. Level premiums guaranteed.

Nearby Final Expense Coverage

Also Serving Jefferson County

Aucilla Life Protection

Final Expense protection tailored to Aucilla families and businesses.

View Aucilla Coverage

Lamont Life Protection

Dedicated Final Expense coverage page for Lamont with local agent support.

View Lamont Coverage

Lloyd Financial Security

Personalized Final Expense quotes for Lloyd residents — no obligation.

View Lloyd Coverage

The Wacissa Legacy Plan

Final Expense protection tailored to Wacissa families and businesses.

View Wacissa Coverage

Waukeenah Wealth Strategy

Final Expense protection tailored to Waukeenah families and businesses.

View Waukeenah Coverage

The Perry Legacy Plan

Compare Final Expense rates from licensed carriers serving Perry.

View Perry Coverage

Salem Life Protection

Personalized Final Expense quotes for Salem residents — no obligation.

View Salem Coverage

Shady Grove Life Protection

Dedicated Final Expense coverage page for Shady Grove with local agent support.

View Shady Grove Coverage

Steinhatchee Life Protection

Final Expense protection tailored to Steinhatchee families and businesses.

View Steinhatchee Coverage

Chattahoochee Life Protection

Compare Final Expense rates from licensed carriers serving Chattahoochee.

View Chattahoochee Coverage

The Greensboro Legacy Plan

Personalized Final Expense quotes for Greensboro residents — no obligation.

View Greensboro Coverage

Gretna Life Protection

Dedicated Final Expense coverage page for Gretna with local agent support.

View Gretna Coverage

Havana Financial Security

Final Expense protection tailored to Havana families and businesses.

View Havana Coverage

Midway Life Protection

Final Expense protection tailored to Midway families and businesses.

View Midway Coverage

Quincy Wealth Strategy

Final Expense protection tailored to Quincy families and businesses.

View Quincy Coverage
Read the Full Final Expense Consumer Guide →

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

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