June Marcia Williams

Your Insurance Agent in Fruitland Park, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fruitland Park, FL...

National Producer No.

17209549

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Special Situations Insurance in Fruitland Park, FL

Declined elsewhere? June works with 7 carriers to find coverage.

Special-situation life insurance for Fruitland Park, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — coverage paths for diabetes, heart conditions, and prior diagnoses, 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 · Fruitland Park, FL

Fruitland Park, FL — Your Local Producer

As a licensed insurance producer serving my fellow Floridians, I appreciate the unique community spirit found right here in Fruitland Park. My name is June Marcia Williams (NPN: 17209549), and I am dedicated to helping my Lake County neighbors understand their options for life and health insurance. Whether you are planning for the long term with whole life, preparing for the unexpected with critical illness or accident coverage, or simply securing your family’s future, I am here to offer clear, personalized guidance. Let’s work together to find a path forward. (Florida License No: W840529)

Fruitland Park City Hall
Gardenia Park
Fruitland Park Library

NPN17209549FL LicenseW840529

Licensed Special Situations Producers in Fruitland Park

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

Albert H Spearman

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 18734745 Licensed 2018

Ann Lyon

Life Including Variable Annuity & Health

NPN 7131723 Licensed 2002

Anthony Dobson

Life Including Variable Annuity & Health

NPN 20887136 Licensed 2023

Ashlii Lauren Swenson

Life Including Variable Annuity & Health

NPN 19655388 Licensed 2020

Benjamin David Meadows

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 20288410 Licensed 2022

Brandi Shaye Jones

Life Including Variable Annuity & Health

NPN 20816783 Licensed 2023

Brian Chase Chowning

Life Including Variable Annuity & Health

NPN 18191485 Licensed 2016

Brian Resoner Chowning

Life Including Variable Annuity & Health

NPN 605328 Licensed 1995

Brianna Smart

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 22256623 Licensed 2026

Carolyn Maldonado Dominguez

Life Including Variable Annuity & Health

NPN 21651290 Licensed 2025

Celest Alvania Hayes

Life Including Variable Annuity & Health

NPN 17867257 Licensed 2016

Daniel Anthony Delgado

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 10697167 Licensed 2008

Daniel Christopher Zebrowski

Life Including Variable Annuity & Health

NPN 593212 Licensed 1994

Darlisa Maria Wild

Life Including Variable Annuity & Health

NPN 21110585 Licensed 2024

Darnell Ezekiel Aiken

Life Including Variable Annuity & Health

NPN 16147120 Licensed 2021

David Puente

Life Including Variable Annuity & Health

NPN 17363506 Licensed 2014

Debra M. Blount

Life Including Variable Annuity & Health

NPN 21355238 Licensed 2024

Dell Elizabeth Richards

Life Including Variable Annuity & Health

NPN 19591027 Licensed 2020

Dominion Azise

Life Including Variable Annuity & Health

NPN 20877625 Licensed 2023

Emma M Younce

Life Including Variable Annuity & Health

NPN Licensed 2026

Frankie Ricardo Brin

Life Including Variable Annuity & Health

NPN 586733 Licensed 1994

Garrett Yancey Vathroder

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 19944614 Licensed 2023

Haley Oquist

Life Including Variable Annuity & Health

NPN 22053806 Licensed 2025

Halley Nichole Purvis

Life Including Variable Annuity & Health

NPN 20546177 Licensed 2022

View all 54 licensed special situations producers in Fruitland Park →

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

Special Situations Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Special Situations Insurance across the Fruitland Park regional market. Rates are localized using regional health baselines.

Official Fruitland Park Resources

County Lake County

Population ~8,219

Lack of insurance (18–64) 12.0%

FIPS code 1224975

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 Fruitland Park rates. Start your quote request below.

FL OIR .GOV Lake County Gov Portal .GOV

3.6 14 reviews

Photos by M Mirzaee , Johnny Mcauliffe , JAH via Google Maps

View on Google Maps

Fruitland Park City Hall

Open now · Mon 9:00 AM – 4:30 PM

(352) 360-6727

fruitlandpark.org

506 W Berckman St, Fruitland Park, FL 34731, USA

Recent Reviews

JAH ★★★★★

"We recently purchased a commercial property in Fruitland Park and the city has been great and very easy to work with. One of Florida's last great spots"

Choco Kat ★★★★★

"Nice little town. Great WFH community that's affordable and away from the big city traffic. The only downside is Uber eats and Doordash takes 1-2 hours just to make deliveries in the area."

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 Special Situations Guide →

Select your coverage below to see your price in seconds.

Tell Us About Your Situation

Judgment-free coverage for unique health or lifestyle needs — no obligation — let June find your best match

What best describes your situation?

❌ Previously Declined

🏥 Pre-Existing Condition

👴 Senior (65+)

⚠️ High-Risk Occupation

🌍 Foreign National / Visa

🚬 Tobacco / Cannabis Use

🚗 DUI / Driving History

❓ Other / Not Sure

✅

We can help with your situation!

June specializes in hard-to-place cases — pre-existing conditions, prior declines, high-risk occupations, and more. Enter your contact info so she can review your situation personally.

Your Name

Phone Number

Email Address

Brief description of your situation (optional)

⚡ Call me ASAP — I want to speak with an agent as soon as possible

Confidential · Never shared · June responds within 30 min

✅

Review Request Sent!

June will review your situation and 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

Special Situations Options

Most Common

Health Challenges

Pre-existing conditions & declines

Diabetes, heart disease, cancer history
Table-rated underwriting (A-H)
Guaranteed issue (no health questions)
Graded benefit whole life
Multiple carriers = more options

Get Quote

Age & Lifestyle

Seniors, tobacco, DUI history

Issue ages up to 85 (final expense)
Tobacco/cannabis classes available
DUI: eligible after 5 years (most carriers)
Simplified issue — no exam
No-lapse guaranteed coverage

Get Quote

Non-Standard Risks

Foreign nationals, hazardous jobs

Green card + select visa holders
Hazardous occupations evaluated
Aviation exclusion riders
Foreign travel considerations
ITIN program eligible

Get Quote

📖 Special Situations Knowledge

Coverage Options for Pre-Existing Conditions & Special Cases

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Why People Get Declined

Common reasons: diabetes, heart disease, cancer history, obesity, mental health conditions, DUI, hazardous occupation, or tobacco use. But a decline from one carrier doesn't mean no coverage. Different carriers have different underwriting guidelines — what's a decline at Company A might be standard at Company B. June shops across 7 carriers to find your best option.

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Table Ratings Explained

Table ratings (A through H) are premium surcharges for applicants who don't qualify for standard rates. Table A = 25% above standard, Table H = 200% above standard. Each table adds approximately 25%. This sounds expensive, but table-rated coverage is still real coverage — and it's infinitely better than no coverage. Many conditions that were Table D five years ago are now Standard.

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Guaranteed Issue: No Questions Asked

Guaranteed issue means exactly what it sounds like — you cannot be declined. No health questions, no medical exam, no blood work. The tradeoff: coverage amounts are lower ($5K-$50K typically) and there's usually a 2-3 year graded benefit period. After the waiting period, full death benefit applies. For people who've been declined everywhere else, this is the safety net.

🌍

Foreign Nationals & Visa Holders

Coverage available for Green Card holders and select visa types (E-1, E-2, H-1B, L-1, and their dependents). Requirements: valid immigration docs, 12+ months US residency, $20K+ annual income from US sources. Some carriers also accept ITIN candidates. Living benefit riders (chronic/critical illness) available to permanent residents. June navigates the immigration + insurance intersection.

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Tobacco, Cannabis & Substance Use

Tobacco users pay higher premiums but are absolutely insurable. Most carriers have separate tobacco rate classes. Cannabis: Several of our carrier partners treat occasional marijuana use as non-tobacco if no other tobacco products are used. Substance abuse history: Generally requires 3-5 years clean with no treatment. Each carrier evaluates differently — June knows which ones are most lenient.

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Florida Consumer Protections

Florida law prohibits unfair discrimination in life insurance underwriting — decisions must be based on actuarial data, not arbitrary factors. All policies include a 14-day free-look period (Fla. Stat. § 627.4554). Guaranteed issue policies cannot impose pre-existing condition exclusions beyond the graded benefit period stated in the policy. June advocates for your right to coverage under Florida insurance regulations.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. 7 carriers, 33 products.

Life Insurance in Fruitland Park

More Insurance Options in Fruitland Park, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🕊️ Final Expense

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

Special Situations FAQ

🚫

I was declined — can I still get coverage?

Almost certainly yes. A decline from one carrier doesn't mean uninsurable. June works with 7 carriers with different guidelines. Guaranteed issue options exist where no one is turned away.

🏥

Can I get coverage with diabetes?

Yes. Well-controlled diabetes (Type 1 or 2) can often qualify for table-rated coverage. Some carriers are more favorable than others. June matches your specific health profile to the most lenient underwriter.

👴

Is there coverage for people over 80?

Yes. Final expense and guaranteed issue products are available up to age 85. No medical exam required. Coverage amounts typically $5,000-$35,000 with level premiums for life.

🚗

Can I get coverage with a DUI on my record?

Yes, typically after 5 years. Most carriers require no DUI or reckless driving in the past 5 years for standard rates. Some offer coverage sooner at table ratings. June knows which carriers are most flexible.

🌍

Can non-US citizens get life insurance?

Yes. Green card holders and select visa types (E, H-1B, L-1) are eligible. Requirements include valid docs, 12+ months US residency, and US-based income. ITIN candidates may also qualify.

Nearby Special Situations Coverage

Read the Full Special Situations 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

Special Situations Insurance in Fruitland Park, FL

Fruitland Park, FL — Your Local Producer

Licensed Special Situations Producers in Fruitland Park

🔑 Special Situations Insurance Underwriting Scope

🏛️ Official Fruitland Park Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Tell Us About Your Situation

Review Request Sent!

Special Situations Options

Health Challenges

Age & Lifestyle

Non-Standard Risks

Coverage Options for Pre-Existing Conditions & Special Cases

Why People Get Declined

Table Ratings Explained

Guaranteed Issue: No Questions Asked

Foreign Nationals & Visa Holders

Tobacco, Cannabis & Substance Use

Florida Consumer Protections

More Insurance Options in Fruitland Park, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Special Situations FAQ

I was declined — can I still get coverage?

Can I get coverage with diabetes?

Is there coverage for people over 80?

Can I get coverage with a DUI on my record?

Can non-US citizens get life insurance?

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Talk to a real person. Today.

Special Situations Insurance Underwriting Scope

Official Fruitland Park Resources