June Marcia Williams

Your Insurance Agent in Cape Coral, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Cape Coral, FL...

National Producer No.

17209549

Verify ↗

Term Life Insurance in Cape Coral, FL

Income replacement, mortgage protection, and key person coverage.

Term life insurance for Cape Coral, 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 · Cape Coral, FL

Cape Coral, FL — Your Local Producer

Hello, Cape Coral! As a fellow Floridian, I understand the unique lifestyle we cherish here in Lee County, from enjoying our beautiful waterways to building a secure future for our families. My name is June Marcia Williams, and I'm a licensed insurance producer (NPN: 17209549) right here in Florida. I specialize in helping individuals and families navigate their personal insurance options, whether you're considering Term Life, Final Expense, or other supplemental plans. My goal is to provide clear, straightforward guidance so you can make informed decisions for your specific needs. I'm here to help you protect what matters most. (Florida License No: W840529)

Cape Coral City Hall
Sun Splash Family Waterpark
Four Mile Cove Ecological Preserve

NPN17209549FL LicenseW840529

Licensed Term Life Producers in Cape Coral

1700 on public record · Florida DFS · Fla. Stat. §119.01

Aaliyah Jade Bui

Life Including Variable Annuity & Health

NPN 21077736 Licensed 2024

Aaron Telayut Pok

Life Including Variable Annuity & Health

NPN 21623152 Licensed 2025

Abdel Direny

Life Including Variable Annuity & Health

NPN 21587972 Licensed 2025

Abigail C Henson

Life Including Variable Annuity & Health

NPN 2091075 Licensed 1999

Ada Iris Santos

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

NPN 3635049 Licensed 2006

Adam Betz

Life Including Variable Annuity & Health

NPN 21382662 Licensed 2024

Adam Hromiak

Life Including Variable Annuity & Health

NPN 7897325 Licensed 2003

Adam Jenne

Life Including Variable Annuity & Health

NPN 20051106 Licensed 2021

Adam M Yakubec

Life Including Variable Annuity & Health

NPN 3890418 Licensed 2000

Adam Rehmat

Life Including Variable Annuity & Health

NPN 21448829 Licensed 2025

Adam Richard Daniels

Life Including Variable Annuity & Health

NPN 20196774 Licensed 2022

Adam Roy Sparks

Life Including Variable Annuity & Health

NPN 19823341 Licensed 2021

Adam V Krausz

Life Including Variable Annuity & Health

NPN 22186889 Licensed 2026

Adam Vooris

Life Including Variable Annuity & Health

NPN 18853358 Licensed 2018

Adley Siverio Bello

Life Including Variable Annuity & Health

NPN 21439138 Licensed 2025

Adolfo Enrique Villa Marquez

Life Including Variable Annuity & Health

NPN 21635757 Licensed 2025

Adonis Buzon Lopez

Life Including Variable Annuity & Health

NPN 21342803 Licensed 2024

Adonis Nunezmijan

Life Including Variable Annuity & Health

NPN 18952865 Licensed 2018

Adony Lopez

Life Including Variable Annuity & Health

NPN 20482230 Licensed 2022

Adrian Haedo

Life Including Variable Annuity & Health

NPN 20032790 Licensed 2024

Adriana Ariza

Life Including Variable Annuity & Health

NPN 18771729 Licensed 2018

Adriana C Dawson

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

NPN 17859368 Licensed 2016

Adriana Lorenzo Ramas

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

NPN 20393918 Licensed 2022

Adriana Quiroga-Rodriguez

Life Including Variable Annuity & Health

NPN 21760784 Licensed 2025

View all 1700 licensed term life producers in Cape Coral →

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 Cape Coral regional market. Rates are localized using regional health baselines.

Official Cape Coral Resources

County Lee County

Population ~198,912

Lack of insurance (18–64) 16.1%

FIPS code 1210275

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 Cape Coral rates. Start your quote request below.

FL OIR .GOV Lee County Gov Portal .GOV

2.2 70 reviews

Photos by Brasspineapple Productions LLC , Carlos HumbertoVillegas Toro Cavito , Skyeye__media , Elijah Sizemore via Google Maps

View on Google Maps

Cape Coral City Hall

Open now · Mon 7:30 AM – 4:30 PM

(239) 574-0401

capecoral.gov .GOV

1015 Cultural Park Blvd, Cape Coral, FL 33990, USA

Recent Reviews

Joseph Gallagher ★★★★★

"I've been a resident of CC for 6 or so years now, and I just recently became aware of just how much the city has to offer. Now I realize how many parks and events there are - of all types - I love th…"

Chris Allers ★☆☆☆☆

"A 2 star town. Don't invest your money here. Lots of crime and very poorly ran. Ask anyone. All my neighbors dislike the city a ton. They need nee leadership. I will never invest here again."

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.

🔄

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.

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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 Cape Coral

More Insurance Options in Cape Coral, 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 Cape Coral?

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 Cape Coral, FL

Cape Coral, FL — Your Local Producer

Licensed Term Life Producers in Cape Coral

🛡️ Term Life Insurance Underwriting Scope

🏛️ Official Cape Coral 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 Cape Coral, 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 Cape Coral?

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 Cape Coral Resources