June Marcia Williams

Your Insurance Agent in Sanibel, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Sanibel, FL...

National Producer No.

17209549

Verify ↗

Accident & Injury Insurance in Sanibel, FL

Cash benefits for fractures, hospital stays, ER visits, and more.

Accident and injury insurance for Sanibel, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — lump-sum payouts for covered accidents and injuries, 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 · Sanibel, FL

Sanibel, FL — Your Local Producer

Hello, Sanibel neighbors! I love the unique island spirit and close-knit community we share here in Lee County. It's a special place, and protecting your family's future in this beautiful setting is my priority. As a licensed insurance producer right here in Florida, I help individuals and families find personal insurance solutions that fit their lives. Whether you're thinking about term life, final expense, or other coverage to safeguard your loved ones, I'm here to offer clear, straightforward guidance. Let's talk about your needs. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

J.N. "Ding" Darling National Wildlife Refuge
Sanibel Lighthouse
Periwinkle Way

NPN17209549FL LicenseW840529

Licensed Accident & Injury Producers in Sanibel

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

Angela Jo Roehl

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

NPN 593485 Licensed 1997

Christopher Wayne Heidrick

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

NPN 3394618 Licensed 2007

Clayton Francis Baker

Life Including Variable Annuity & Health

NPN 20668089 Licensed 2023

Cynthia Stanitis-Dade

Life Including Variable Annuity & Health

NPN 2313202 Licensed 2025

Daniel Henry Fase

Life Including Variable Annuity & Health

NPN 8196502 Licensed 2021

David Andres

Life Including Variable Annuity & Health

NPN 16557620 Licensed 2023

David Robert Haas

Life Including Variable Annuity & Health

NPN 7099860 Licensed 2021

Diane Elizabeth Wight

Life Including Variable Annuity & Health

NPN 8147408 Licensed 2015

Eric P Siefert

Life Including Variable Annuity & Health

NPN 18912239 Licensed 2019

Gary A Lindsey

Life Including Variable Annuity & Health

NPN 3648408 Licensed 2025

Joseph P Connelly

Life Including Variable Annuity & Health

NPN 2065993 Licensed 2022

Kyle Zurbriggen

Life Including Variable Annuity & Health

NPN 20497821 Licensed 2022

Mark Victor Hembling

Life Including Variable Annuity & Health

NPN 8669732 Licensed 2006

Matthew Jordan Grieshop

Life Including Variable Annuity & Health

NPN 21741407 Licensed 2025

Richard A Zurbriggen

Life Including Variable Annuity & Health

NPN 2162434 Licensed 2005

Richard Rodriguez

Life Including Variable Annuity & Health

NPN 507713 Licensed 1999

Riley Anne Nowell

Life Including Variable Annuity & Health

NPN 18816312 Licensed 2018

Ronald J Philleo

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

NPN 6501581 Licensed 2022

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

Accident & Injury Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Accident & Injury Insurance across the Sanibel regional market. Rates are localized using regional health baselines.

Official Sanibel Resources

County Lee County

Population ~6,420

Lack of insurance (18–64) 5.5%

FIPS code 1263700

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 Sanibel rates. Start your quote request below.

FL OIR .GOV Lee County Gov Portal .GOV

2.8 13 reviews

Photos by Bob Betts via Google Maps

View on Google Maps

Sanibel City Hall

Open now · Mon 8:00 AM – 5:00 PM

(239) 472-3700

mysanibel.com

800 Dunlop Rd, Sanibel, FL 33957, USA

Recent Reviews

Bob Betts ★★★★★

"Love visiting the island over the years! Took this recently and the sun was shining down so perfectly!"

Shawn ★☆☆☆☆

"Thank you for the parking ticket after having no parking for people trying to have beach access, they leave no way to pay but slap you with a 150$ fine? I hope you guys enjoy the next hurricane"

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 Accident & Injury Guide →

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Financial backup for life's unexpected bumps — no obligation — fast, personalized options

Select your coverage level

Level 1
$300/day hospital · $50K AD&D

Level 2
$500/day hospital · $150K AD&D

Who needs coverage?

Individual

+ Spouse

+ Children

Family

What type of accident?

Hospital

Fracture

Dislocation

Emergency

AD&D

Other

Select an accident type to see benefit amounts.

Your Name

Phone Number

Email Address

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

Your info is secure · Never shared · June responds within 30 min

✅

Consultation Request Sent!

June will 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

Accident Insurance Options

Core Benefit

Hospital & Emergency

Daily cash when admitted

Hospital: $300-$500/day
ICU: $600-$1,000/day
ER services covered
Ambulance (ground + air)
Physician office visits

Get Quote

Specific Injuries

Scheduled benefit per injury

Fractures: up to $4,800
Dislocations: up to $4,000
Burns: up to $10,000
Lacerations, concussions
Pain management + dental

Get Quote

AD&D + Disability

Accidental death & dismemberment

AD&D: $50K-$150K
Common carrier: up to $300K
Dismemberment schedule
Paralysis coverage
Optional disability income

Get Quote

Important — what this coverage does not pay

This is limited benefit supplemental coverage. It is not major medical insurance, not comprehensive health coverage, and not a substitute for either. It does not meet minimum essential coverage requirements.

Benefits are paid only when the policy’s specific conditions are met. This policy contains exclusions, limitations, and reductions of benefits, and terms under which the policy may be continued in force or discontinued. Some benefits do not begin until a waiting period has passed. Losses caused by a health condition you had before your coverage start date may not be covered. Coverage of this type is guaranteed renewable; premium rates may change, but only for an entire class of policies, never for you individually.

For costs and complete details of the coverage, including the full list of exclusions and limitations, review the policy documents or contact us before applying.

📖 Accident & Injury Knowledge

Everything You Need to Know About Accident Insurance

🩹

What Is Accident Insurance?

Accident insurance pays cash benefits directly to you when you're injured in an accident — regardless of other insurance. It covers hospital stays, fractures, dislocations, ER visits, ambulance, physical therapy, and more. The money goes to you, not the hospital. Use it for copays, deductibles, rent, groceries — whatever you need while recovering.

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Hospital & ICU Benefits

If an accident puts you in the hospital, you receive $300-$500 per day for inpatient stays and $600-$1,000 per day for ICU — paid for up to 15 days per ICU confinement. These benefits are paid in addition to what health insurance covers. Even a 3-day hospital stay generates $900-$1,500 in cash benefits.

🦴

The Injury Benefit Schedule

Every covered injury has a specific dollar amount. Hip fracture: $2,400-$4,800. Knee dislocation: $1,500-$3,000. Burns over 36 sq inches: $5,000-$10,000. The schedule covers fractures (16 types), dislocations (9 types), lacerations, concussions, coma, and even emergency dental. No guesswork — you know exactly what you'll receive.

⚠️

AD&D: Accidental Death & Dismemberment

Built into every policy: $50,000-$150,000 for accidental death (adult), with enhanced benefits for common carrier accidents (planes, trains) up to double. Dismemberment benefits cover loss of limbs, sight, hearing, and speech. Children covered at 25% of adult benefit. This is real financial protection beyond just injury coverage.

💼

Optional Disability Income

Add a disability income rider for $500-$2,000/month if a covered accident prevents you from working. Off-the-job accidents and 24-hour short-term disability available for up to 12 months. Requires 27.5+ hours/week employment. This turns accident insurance into true income protection — not just medical gap coverage.

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Florida Consumer Protections

Accident insurance policies through our carriers are guaranteed renewable for life with level premiums. Florida requires a 14-day free-look period (Fla. Stat. § 627.4554). There's a 12-month pre-existing condition lookback for sickness-related riders only — the base accident plan has no health questions for covered accidents. Issue ages 18–69 for new policies.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated supplemental health carriers.

Life Insurance in Sanibel

More Insurance Options in Sanibel, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity 🏢 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

Accident & Injury Insurance FAQ

💰

How much does accident insurance pay?

Benefits are paid per incident: hospital stays ($300-$500/day), ICU ($600-$1,000/day), fractures (up to $4,800), plus ER, ambulance, and therapy. AD&D up to $150K.

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Does this work with my health insurance?

Yes. Accident insurance pays you directly — on top of whatever your health insurance covers. Use the cash for copays, deductibles, lost wages, or anything else.

👨‍👩‍👧

Can I cover my whole family?

Yes. Coverage options include Individual, Individual + Spouse, Individual + Children, and Family. All covered members receive the same benefit amounts for covered accidents.

🚗

Are car accidents covered?

Yes. Motor vehicle accidents are covered, including enhanced AD&D benefits for motorized vehicle or pedestrian death. All accidental injuries from car, motorcycle, and pedestrian accidents qualify.

📋

Is a medical exam required?

No medical exam for the base accident plan. The optional sickness disability rider may require health questions. Issue ages 18-69, guaranteed renewable for life.

Nearby Accident & Injury Coverage

Read the Full Accident & Injury 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

Accident & Injury Insurance in Sanibel, FL

Sanibel, FL — Your Local Producer

Licensed Accident & Injury Producers in Sanibel

⚡ Accident & Injury Insurance Underwriting Scope

🏛️ Official Sanibel Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Check Your Coverage Options

Consultation Request Sent!

Accident Insurance Options

Hospital & Emergency

Specific Injuries

AD&D + Disability

Everything You Need to Know About Accident Insurance

What Is Accident Insurance?

Hospital & ICU Benefits

The Injury Benefit Schedule

AD&D: Accidental Death & Dismemberment

Optional Disability Income

Florida Consumer Protections

More Insurance Options in Sanibel, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Accident & Injury Insurance FAQ

How much does accident insurance pay?

Does this work with my health insurance?

Can I cover my whole family?

Are car accidents covered?

Is a medical exam required?

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Talk to a real person. Today.

Accident & Injury Insurance Underwriting Scope

Official Sanibel Resources