June Marcia Williams

Your Insurance Agent in Howey-in-the-Hills, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Howey-in-the-Hills, FL...

National Producer No.

17209549

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Final Expense Insurance in Howey-in-the-Hills, FL

Irrevocable burial trusts, Medicaid-exempt assets, estate protection.

Final expense insurance for Howey-in-the-Hills, 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 · Howey-in-the-Hills, FL

Howey-in-the-Hills, FL — Your Local Producer

Hello to my neighbors in Howey-in-the-Hills! In a town known for its unique charm and scenic hills, it's important to have a financial safety net that fits our distinctive Lake County lifestyle. I'm June Marcia Williams, a licensed insurance producer right here in Florida, and I'm dedicated to helping local families navigate their options. Whether you're considering Term Life, Whole Life, Final Expense, or other personal coverage, my goal is to provide clear, straightforward guidance. Let's work together to find a plan that helps protect your family's future. (NPN: 17209549, Florida License No: W840529)

The Howey Mansion
Marianne Beck Memorial Library
Howey-in-the-Hills Town Hall

NPN17209549FL LicenseW840529

Licensed Final Expense Producers in Howey-in-the-Hills

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

Alizabeth Bukunus

Life Including Variable Annuity & Health

NPN 19770628 Licensed 2021

Angel Velez Sanchez

Life Including Variable Annuity & Health

NPN 11530792 Licensed 2019

Annette Keys

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

NPN 2165294 Licensed 2021

Bruce I Formhals

Life Including Variable Annuity & Health

NPN 1704673 Licensed 2017

Chanele Barbara Rivera

Life Including Variable Annuity & Health

NPN 20709685 Licensed 2023

Cynthia Ann Smith

Life Including Variable Annuity & Health

NPN 1023538 Licensed 2012

David Michael Jiles

Life Including Variable Annuity & Health

NPN 21778183 Licensed 2025

Deisi Hernandez

Life Including Variable Annuity & Health

NPN 585217 Licensed 1994

Dennis Michael Lyons

Life Including Variable Annuity & Health

NPN 18604611 Licensed 2018

Estela Alejandra Ramirez Duenas

Life Including Variable Annuity & Health

NPN 22092443 Licensed 2026

Eugene Franklin Harper

Life Including Variable Annuity & Health

NPN 21080044 Licensed 2024

Hernan Jose Zabala

Life Including Variable Annuity & Health

NPN 10678618 Licensed 2010

Icyline Smith Kerr

Life Including Variable Annuity & Health

NPN 2901268 Licensed 2021

James Houston Hill

Life Including Variable Annuity & Health

NPN 6908570 Licensed 2008

James Howard Peterson

Life Including Variable Annuity & Health

NPN 20152997 Licensed 2021

Jatavia Nakiah Smith

Life Including Variable Annuity & Health

NPN 21106055 Licensed 2024

Jayce Thompson

Life Including Variable Annuity & Health

NPN 21178968 Licensed 2024

Jose Manuel Tineo

Life Including Variable Annuity & Health

NPN 22113311 Licensed 2026

Joseph Raymond Pereira

Life Including Variable Annuity & Health

NPN 21303520 Licensed 2024

Katan E Laya Iglesias

Life Including Variable Annuity & Health

NPN 20489948 Licensed 2022

Katerine Aguilar Gomez

Life Including Variable Annuity & Health

NPN 21625195 Licensed 2025

Kyle Van Arsdale

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

NPN 19822874 Licensed 2021

Limor R Moake

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

NPN 17394184 Licensed 2023

Precious M Rodriguez

Life Including Variable Annuity & Health

NPN 19948077 Licensed 2021

View all 30 licensed final expense producers in Howey-in-the-Hills →

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 Howey-in-the-Hills regional market. Rates are localized using regional health baselines.

Official Howey-in-the-Hills Resources

County Lake County

Population ~2,038

Lack of insurance (18–64) 11.4%

FIPS code 1232775

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 Howey-in-the-Hills rates. Start your quote request below.

FL OIR .GOV Lake County Gov Portal .GOV

4.8 5 reviews

Photos by ᎶⲅⲉᏭ , Rnull 22 via Google Maps

View on Google Maps

Howey In the Hills Town Hall

Open now · Mon 7:00 AM – 5:30 PM

(352) 324-2290

howey.org

101 N Palm Ave, Howey-In-The-Hills, FL 34737, USA

Recent Reviews

Patel Taufik ★★★★★

Ivelisse Arce Miranda ★★★★★

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

How much burial coverage do you need?

$5K

$10K

$15K

$20K

$25K

$35K

What matters most to you?

Funeral Costs

Medical Bills

Both

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Yes

Have you been diagnosed with or treated for cancer, heart disease, stroke, COPD, or organ failure?

Yes

Have you been hospitalized in the past 2 years (other than for routine procedures)?

Yes

Do you currently use a wheelchair, oxygen, or receive home health care?

Yes

Have you been diagnosed with diabetes requiring insulin?

Yes

First Name

Last Name

Phone

Zip Code

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

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.

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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.

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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.

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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 Howey-in-the-Hills

More Insurance Options in Howey-in-the-Hills, 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.

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Is a medical exam required?

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

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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).

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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.

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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

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

Final Expense Insurance in Howey-in-the-Hills, FL

Howey-in-the-Hills, FL — Your Local Producer

Licensed Final Expense Producers in Howey-in-the-Hills

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Howey-in-the-Hills Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Qualify — No Exam Required

Quote Request Received!

Final Expense Options

Preferred Plan

Standard Plan

Guaranteed Issue Plan

Everything You Need to Know About Final Expense Insurance

What Is Final Expense Insurance?

How Much Does a Funeral Cost in Florida?

Guaranteed Issue vs. Simplified Issue

Irrevocable Burial Trusts & Medicaid

Who Should Get Final Expense?

Florida Consumer Protections

More Insurance Options in Howey-in-the-Hills, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Final Expense Insurance FAQ

How much does final expense cost?

Is a medical exam required?

What does it cover?

What's the graded benefit?

Can I get coverage at age 80?

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Talk to a real person. Today.

Final Expense Insurance Underwriting Scope

Official Howey-in-the-Hills Resources