June Marcia Williams

Your Insurance Agent in Bal Harbour, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Bal Harbour, FL...

National Producer No.

17209549

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Life Insurance in Bal Harbour, FL

Your Local FL Advocate for Simplified-Issue & Fully-Underwritten Policies

Get Customized Coverage in Bal Harbour Without the Complexity

Your local licensed agent in Bal Harbour, Miami Dade County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Bal Harbour, Miami Dade County, Florida residents — fully-underwritten, simplified-issue, and final-expense products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent

🛡️ Get Your Quote 📅 Schedule a Call

🛡️ NPN Verified

⭐ 5-Star Service

❤️ 3K+ Satisfied

Right here · Bal Harbour, FL

Bal Harbour, FL — Your Local Producer

For my neighbors in beautiful Bal Harbour, life is about enjoying the unique blend of luxury and coastal calm that defines our corner of Miami-Dade County. As a local licensed insurance producer, I'm here to help you protect that lifestyle. I offer personalized guidance on a range of options, from Term and Whole Life to Final Expense and Critical Illness policies, ensuring your financial future is secure. My goal is to provide clear, straightforward advice so you can make confident decisions for your family's well-being. I'm June Marcia Williams (NPN: 17209549, Florida License No: W840529), and I'm committed to serving our community.

Bal Harbour Shops
Collins Avenue
Haulover Inlet Bridge

NPN17209549FL LicenseW840529

Bal Harbour is home to approximately 3,000 residents in Miami Dade County, with a median age of 49.6 and a median household income of $86,200. About 73% of homes are owner-occupied; the median home value is $1,609,000. 65% of adults hold a bachelor's degree or higher; households with children make up 17%; veterans comprise 1% of residents. Average household size is 2.3. These demographic markers shape which life insurance products fit Bal Harbour households.

How Bal Harbour compares to Miami Dade County

MIAMI DADE COUNTY · 2.7M RESIDENTS BAL HARBOUR · 3K RESIDENTS

2,688,237 MIAMI DADE COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents

3,035 BAL HARBOUR RESIDENTS ↳ 0.1% of Miami Dade County residents

Underwriting Guidelines

How does current cigarette smoking impact life insurance underwriting in Bal Harbour, FL?

Coverage is widely available. Bal Harbour sits within Miami Dade County (population ~2,688,000, 25.6% uninsured), where 8.6% of adults have current cigarette smoking alongside 33.4% with high blood pressure per current CDC PLACES data. Independent agents match applicants to carriers whose underwriting guidelines treat each clinical profile most favorably.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Three Lakes →

📊 Top Health Considerations (CDC)

Tier projection blends county-level prevalence with carrier underwriting bands. Higher prevalence shifts more of each bar into Standard and Rated/Watch segments. Use as a county baseline, not an individual underwriting outcome.

Preferred Range

Standard

Rated / Watch

Official City Resources

Miami Dade County Gov Portal .GOV

Population ~3,035

Lack of health insurance (18–64) 13.6%

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

FIPS code 1203275

4.3 15 reviews

Photos by Bal Harbour Village Hall , Apex Ventures , Jorge Daniel Astorga , Steven Allbright via Google Maps

View on Google Maps

Bal Harbour Village Hall

Open now · Mon 9:00 AM – 5:00 PM

(305) 866-4633

balharbourflorida.com

655 96th St, Bal Harbour, FL 33154, USA

Recent Reviews

Steven Allbright ★★★★★

"Great little town hall in a beautiful location around the back of the Bal Harbor Shops. Nice folks but be prepared to wait. Hours are 9-5 M-F"

Cynthia T. Bougouneau Allan - Davis ★★★★★

"Lovely scenery, a good place for clean entertainment, safe and secure environment for all age groups, friendly, quiet, and welcoming people, and the police officers there are always seen keeping watch…"

Available in Bal Harbour

Life Insurance Products in Bal Harbour, FL

9 insurance products available in Bal Harbour

🛡️ Life Insurance

Term Life

Level-premium protection for 10, 20, or 30 years. Designed to cover mortgages, income replacement, and family obligations.

View Term Life 💎 Life Insurance

Whole Life

Permanent coverage with guaranteed cash value accumulation. Lifetime protection that doubles as a financial asset.

View Whole Life 📈 Life Insurance

Universal Life

Flexible premiums with index-linked growth potential. Adjustable coverage that adapts to your financial goals over time.

View Universal Life 🏥 Supplemental Health

Critical Illness

Lump-sum benefit upon diagnosis of a covered condition — cancer, heart attack, stroke, and more. Use it however you need.

View Critical Illness 🏨 Supplemental Health

Hospital Indemnity

Daily cash benefit for hospital stays, regardless of other insurance. Covers deductibles, lost wages, and out-of-pocket costs.

View Hospital Indemnity ⚡ Supplemental Health

Accident & Injury

Cash benefits for accidents — fractures, dislocations, burns, emergency transport. Pays on top of your existing health plan.

View Accident & Injury 🏢 Business

Business Life

Key person, buy-sell funding, and executive benefits. Protect your business from the financial impact of losing a critical contributor.

View Business Life 🔑 Specialized

Special Situations

Pre-existing conditions, no-exam options, marijuana users, high-risk applicants. Coverage solutions when standard plans say no.

View Special Situations 🕊️ Life Insurance

Final Expense

Covers funeral, burial, cremation, and end-of-life costs. No medical exam. Ages 50–85. Premiums never increase.

View Final Expense

Life Insurance in Miami Dade County and Nearby Florida Counties

Life Insurance by City Near Bal Harbour, FL

45,407 licensed producers on public record in Miami Dade County.

🌟 Cities Served near Bal Harbour

30 Cities · 3 Counties

Broward County10

Boulevard Gardens Cooper City Fort Lauderdale Hallandale Hallandale Beach Hollywood Lauderdale-by-the-Sea Miramar Pompano Beach Tamarac

Miami Dade CountyHome10

Hialeah Ives Estates Kendale Lakes Miami Miami Beach Miami Gardens The Crossings The Hammocks West Little River West Miami

Collier County10

Chokoloskee Golden Gate Immokalee Lely Resort Marco Island Marco Shores-Hammock Bay Naples Naples Manor Pelican Marsh Winding Cypress

🏛️ Know Your Agent · Public Record Directory

Licensed Insurance Agents in Bal Harbour, Florida

Florida DFS public records show 18 actively licensed insurance producers with business addresses in Bal Harbour (Miami-Dade County County). 17 hold Life & Health authority; 2 hold Property & Casualty authority. Browse by line below, or verify any license number directly with the state.

18Licensed producers

17Life & Health

2General Lines (P&C)

Find a licensed producer or agency

Browse producers by line

Featured licensed producers

Browse all →

Jose Lazaro Mendez

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

NPN 591662 Licensed 2000

Elaine Smith

Life Including Variable Annuity & Health

NPN 8744651 Licensed 2010

Deborah L. Kattan

Life Including Variable Annuity & Health

NPN 8976695 Licensed 2010

Edward Joseph Cohen

Life Including Variable Annuity & Health

NPN 7824999 Licensed 2004

Jose Lazaro Mendez

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

NPN 591662 Licensed 2000

Rivka Penina Benguigui

General Lines (Property & Casualty)

NPN 22221256 Licensed 2026

Producer listings are compiled from Florida Department of Financial Services public licensee records, Fla. Stat. §119.01. June Life Insurance does not endorse, rank, or rate any listed producer and is not a government agency.

Official Resources

Know your rights in Bal Harbour.

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law.

Visit floir.gov →.GOV

Verify Agent License (NIPR)

Look up June's NPN (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides on choosing life insurance, understanding policy types, and filing complaints.

Visit naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for and your federal protections.

Visit ftc.gov →.GOV

Frequently Asked Questions

Bal Harbour Life Insurance Questions

💰

How much does life insurance cost in Bal Harbour?

Rates vary based on age, health, coverage amount, and policy type. Term life is generally the most affordable. A licensed agent can compare carriers for your specific situation.

Bal Harbour

📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage.

9 Products

🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for applicants with pre-existing health conditions. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations

🏙️

Does June serve all of Bal Harbour?

Yes. June serves all of Bal Harbour and every municipality in Miami Dade County. Licensed in five states: NJ, PA, FL, MD, and VA.

Full Coverage

🏥

What is critical illness insurance?

Pays a lump-sum cash benefit upon diagnosis of cancer, heart attack, stroke, or organ failure. Supplements health insurance by covering deductibles, lost wages, and non-medical expenses.

Critical Illness

✅

How do I verify June's FL license?

Verify through FL OIR at floir.gov or NIPR at nipr.com. June Marcia Williams — NPN 17209549, FL License #W840529.

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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

Life Insurance in Bal Harbour, FL

Your Local FL Advocate for Simplified-Issue & Fully-Underwritten Policies

Get Customized Coverage in Bal Harbour Without the Complexity

Bal Harbour, FL — Your Local Producer

How Bal Harbour compares to Miami Dade County

How does current cigarette smoking impact life insurance underwriting in Bal Harbour, FL?

📊 Top Health Considerations (CDC)

🏛️ Official City Resources

Life Insurance Products in Bal Harbour, FL

Term Life

Whole Life

Universal Life

Critical Illness

Hospital Indemnity

Accident & Injury

Business Life

Special Situations

Final Expense

Life Insurance by City Near Bal Harbour, FL

🌟 Cities Served near Bal Harbour

Licensed Insurance Agents in Bal Harbour, Florida

Browse producers by line

Featured licensed producers

Know your rights in Bal Harbour.

Florida Office of Insurance Regulation

Verify Agent License (NIPR)

NAIC Consumer Guides

FTC Life Insurance Guide

Bal Harbour Life Insurance Questions

How much does life insurance cost in Bal Harbour?

What types of insurance are available here?

Coverage with a pre-existing condition?

Does June serve all of Bal Harbour?

What is critical illness insurance?

How do I verify June's FL license?

Talk to a real person. Today.

Official City Resources