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

Verify ↗

Final Expense Insurance in Bal Harbour, FL

Coverage from $5,000 to $50,000. Premiums never increase.

Final expense insurance for Bal Harbour, 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 · 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

Licensed Final Expense Producers in Bal Harbour

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

Alexander Hedges Navarro

Life Including Variable Annuity & Health

NPN 435673 Licensed 2003

Daniel Garate

Life Including Variable Annuity & Health

NPN 22089842 Licensed 2026

David Haim Lugassy

Life Including Variable Annuity & Health

NPN 20670133 Licensed 2023

Deborah L. Kattan

Life Including Variable Annuity & Health

NPN 8976695 Licensed 2010

Edward Joseph Cohen

Life Including Variable Annuity & Health

NPN 7824999 Licensed 2004

Edward Menaged

Life Including Variable Annuity & Health

NPN 19022414 Licensed 2021

Elaine Smith

Life Including Variable Annuity & Health

NPN 8744651 Licensed 2010

Eric Berlin

Life Including Variable Annuity & Health

NPN 8733311 Licensed 2009

Jonathan Sher

Life Including Variable Annuity & Health

NPN 21546739 Licensed 2025

Jose Antonio Fonte

Life Including Variable Annuity & Health

NPN 20723383 Licensed 2023

Jose Lazaro Mendez

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

NPN 591662 Licensed 2000

Lance F Krieger

Life Including Variable Annuity & Health

NPN 18597694 Licensed 2024

Mei Moy

Life Including Variable Annuity & Health

NPN 21419525 Licensed 2024

Pierluigi Neri

Life Including Variable Annuity & Health

NPN 21547810 Licensed 2025

Richard Bruce Alman

Life Including Variable Annuity & Health

NPN 483893 Licensed 2024

Samuel Cohen-Scali

Life Including Variable Annuity & Health

NPN 20843357 Licensed 2023

Yeganeh Abuhav

Life Including Variable Annuity & Health

NPN 8794795 Licensed 2006

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 Bal Harbour regional market. Rates are localized using regional health baselines.

Official Bal Harbour Resources

County Miami Dade County

Population ~3,035

Lack of insurance (18–64) 13.6%

FIPS code 1203275

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 Bal Harbour rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

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…"

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.

💲

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.

⚖️

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 Bal Harbour

More Insurance Options in Bal Harbour, 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.

🏥

Is a medical exam required?

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

⚱️

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).

📋

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.

👴

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 Bal Harbour, FL

Bal Harbour, FL — Your Local Producer

Licensed Final Expense Producers in Bal Harbour

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Bal Harbour 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 Bal Harbour, 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 Bal Harbour Resources