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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Term Life Insurance in Howey-in-the-Hills, FL

Income replacement, mortgage protection, and key person coverage.

Term life insurance for Howey-in-the-Hills, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — level premiums for 10, 20, or 30 years and tax-free death benefit, 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 Term Life 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 term life 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.

Term Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Term Life 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 Term Life Guide →

Select your coverage below to see your price in seconds.

See If You Pre-Qualify in 60 Seconds

Fast, personalized quotes — no obligation — no medical exam up to $400K

How much coverage do you need?

$50K

$100K

$150K

$250K

$400K

$500K+

How long do you need coverage?

10 yr

15 yr

20 yr

25 yr

30 yr

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Never

Quit 5+ yrs

Quit 1-5 yrs

Current

Have you ever been treated for high blood pressure?

Yes

Have you ever been treated for high cholesterol?

Yes

Have you been diagnosed with or treated for diabetes?

Yes

Has a parent died before age 65 from heart disease or cancer?

Yes

Any DUI/DWI in the past 5 years?

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

Compare Plans

Term Life Options

10-Year Term

Lowest monthly cost

Complete the quick form above to see your estimate

Level premium for 10 years
Issue ages 18-80
No exam up to $400K
Convertible to permanent
Renewable to age 100

Get Quote

20-Year Term

Best value for families

Complete the quick form above to see your estimate

Level premium for 20 years
Issue ages 18-65
No exam up to $400K
Convertible to permanent
Covers mortgage + college

Get Quote

30-Year Term

Maximum protection

Complete the quick form above to see your estimate

Level premium for 30 years
Issue ages 18-55
No exam up to $400K
Convertible to permanent
Locks rate til retirement

Get Quote

📖 Term Life Knowledge

Everything You Need to Know About Term Life Insurance

🛡️

What Is Term Life Insurance?

Term life is pure death benefit protection for a set period — 10, 20, or 30 years. If you die during the term, your beneficiaries receive a tax-free lump sum. If you outlive the term, the policy expires. No cash value, no investment component. It's the most affordable type of life insurance because you're only paying for the death benefit.

💲

How Much Does Term Life Cost?

A healthy 30-year-old can get a $500,000 20-year term policy for under $25/month. Rates depend on age, health, tobacco use, coverage amount, and term length. Shorter terms cost less. Women typically pay less than men. Life insurance premiums paid by the policyowner are not subject to a state sales tax in any U.S. state.

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Can I Convert to Permanent Later?

Most quality carriers include a conversion privilege — the right to convert your term policy to whole life or universal life without a new medical exam. This is critical: if your health changes during the term, conversion lets you keep coverage. June only recommends carriers with strong conversion options.

📊

How Much Coverage Do I Need?

The DIME method: Debt + Income replacement + Mortgage + Education. Add up what your family needs if you're gone. A common shortcut: 10-12× your annual income. A family earning $75K needs roughly $750K-$900K. June provides a free needs analysis to find your exact number.

🏥

Do I Need a Medical Exam?

Traditional fully-underwritten term life requires a brief paramedical exam (blood draw, blood pressure, height/weight) — this typically qualifies you for the lowest premiums. No-exam options exist through accelerated underwriting for coverage up to $500K, but premiums are 15-30% higher. June helps you decide which path makes sense for your situation.

⚖️

Florida Life Insurance Consumer Rights

Florida law provides a 14-day free-look period — return any policy within that window for a full refund (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing guaranteed and non-guaranteed values. Your agent must disclose all compensation. June operates under a fiduciary mindset: your needs first, always.

🎓 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

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

Term Life Insurance FAQ

💰

How much does term life cost in Howey-in-the-Hills?

A healthy 35-year-old can get $500K coverage for around $28/month on a 20-year term. Rates vary by age, health, and coverage amount.

📅

What term lengths are available?

10-year, 20-year, and 30-year terms. Shorter terms cost less. Longer terms lock in your rate. June helps you find the right fit.

🔄

Can I convert to whole life later?

Most carriers offer conversion without a new medical exam. Valuable safety net if your health changes down the road.

🏥

Do I need a medical exam?

Traditional term life requires a brief exam for lower premiums. No-exam options available at slightly higher premiums for quick coverage.

📊

How much coverage do I need?

Guideline: 10-12x annual income. A family earning $60K/year needs $600K-$720K. June provides free needs analysis.

Nearby Term Life Coverage

Read the Full Term Life 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

Term Life Insurance in Howey-in-the-Hills, FL

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

Licensed Term Life Producers in Howey-in-the-Hills

🛡️ Term Life Insurance Underwriting Scope

🏛️ Official Howey-in-the-Hills Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Pre-Qualify in 60 Seconds

Quote Request Received!

Term Life Options

10-Year Term

20-Year Term

30-Year Term

Everything You Need to Know About Term Life Insurance

What Is Term Life Insurance?

How Much Does Term Life Cost?

Can I Convert to Permanent Later?

How Much Coverage Do I Need?

Do I Need a Medical Exam?

Florida Life Insurance Consumer Rights

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

Term Life Insurance FAQ

How much does term life cost in Howey-in-the-Hills?

What term lengths are available?

Can I convert to whole life later?

Do I need a medical exam?

How much coverage do I need?

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Talk to a real person. Today.

Term Life Insurance Underwriting Scope

Official Howey-in-the-Hills Resources