June Marcia Williams

Your Insurance Agent in Bay Harbor Islands, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Bay Harbor Islands, FL...

National Producer No.

17209549

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Critical Illness Insurance in Bay Harbor Islands, FL

Lump-sum cash on diagnosis — cancer, heart attack, stroke.

Critical illness insurance for Bay Harbor Islands, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — lump-sum benefits paid on diagnosis of cancer, heart attack, or stroke, 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 · Bay Harbor Islands, FL

Bay Harbor Islands, FL — Your Local Producer

As a resident of the greater Miami-Dade area, I understand the unique lifestyle we enjoy here in South Florida. For my neighbors in beautiful Bay Harbor Islands, navigating life's financial uncertainties is just as important as enjoying our coastal community. My role as a licensed insurance producer is to help you understand your options for personal insurance, from term and whole life to policies covering critical illness or final expenses. I provide clear, straightforward information so you can make confident decisions for your family's future. As your local resource, I'm here to help. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Kane Concourse
Ruth K. Broad Bay Harbor K-8 Center
Bay Harbor Islands Town Hall

NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Bay Harbor Islands

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

Alani Sachi Espy

Life Including Variable Annuity & Health

NPN 21154989 Licensed 2024

Ariel Dressler

Life Including Variable Annuity & Health

NPN 20972246 Licensed 2023

Claudia Lissette Lopez

Life Including Variable Annuity & Health

NPN 20741879 Licensed 2023

Dino Bagdadi

Life Including Variable Annuity & Health

NPN 19064855 Licensed 2019

Eli Sklarin

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

NPN 21245097 Licensed 2024

Felipe Cristian Parker Coll

Life Including Variable Annuity & Health

NPN 21557237 Licensed 2025

Franci Argelys Soto-Escobar

Life Including Variable Annuity & Health

NPN 21213263 Licensed 2024

Gianfranco La Rosa

Life Including Variable Annuity & Health

NPN 20418757 Licensed 2022

Gonzalo Jose Montiel-Bezara

Life Including Variable Annuity & Health

NPN 21249065 Licensed 2024

Jacque Tore' Espy

Life Including Variable Annuity & Health

NPN 21022962 Licensed 2023

Javier Alejandro Pabon

Life Including Variable Annuity & Health

NPN 20183389 Licensed 2021

Jay E Abramowitz

Life Including Variable Annuity & Health

NPN 592519 Licensed 2001

Jeff David Hackmeier

Life Including Variable Annuity & Health

NPN 443948 Licensed 1978

Jordan Chase Hackmeier

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

NPN 17303457 Licensed 2014

Joyce Ellen Green

Life Including Variable Annuity & Health

NPN 484448 Licensed 1994

Luis Alexis Rivadeneira

Life Including Variable Annuity & Health

NPN 20647120 Licensed 2023

Mabel Bartolomes

Life Including Variable Annuity & Health

NPN 21695111 Licensed 2025

Max Jacob Whitehead

Life Including Variable Annuity & Health

NPN 21298398 Licensed 2024

Melissa Anilam De Bedout

Life Including Variable Annuity & Health

NPN 18490221 Licensed 2017

Michael Mailey

Life Including Variable Annuity & Health

NPN 19034726 Licensed 2019

Michael Von-Heesen

Life Including Variable Annuity & Health

NPN 22236708 Licensed 2026

Morris Yaffe

Life Including Variable Annuity & Health

NPN 22059720 Licensed 2025

Norman Joseph Hurwitz

Life Including Variable Annuity & Health

NPN 619677 Licensed 1979

Priscilla Pena

Life Including Variable Annuity & Health

NPN 21690612 Licensed 2025

View all 36 licensed critical illness producers in Bay Harbor Islands →

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

Critical Illness Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Critical Illness Insurance across the Bay Harbor Islands regional market. Rates are localized using regional health baselines.

Official Bay Harbor Islands Resources

County Miami Dade County

Population ~5,843

Lack of insurance (18–64) 13.6%

FIPS code 1203975

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 Bay Harbor Islands rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

3.7 3 reviews

Mayor Joseph J. Gardner Government Center photo 1

Mayor Joseph J. Gardner Government Center photo 2

Photos by Mayor Joseph J. Gardner Government Center , Bridget Anne via Google Maps

View on Google Maps

Mayor Joseph J. Gardner Government Center

Open now · Mon 9:00 AM – 5:00 PM

(305) 866-6241

bayharborislands-fl.gov .GOV

9665 Bay Harbor Terrace, Bay Harbor Islands, FL 33154, USA

Recent Reviews

M PG ★☆☆☆☆

"Bay Harbor was a beautiful town. I’ve lived here for 9 years. The last 3 were terrible. The city is greedy- all they do is develop new buildings- they have 0 traffic solutions. God forbid someone was …"

Jeremy Castonguay ★★★★★

"The staff at the Bay Harbor Islands town office is fantastic! I picked up a parking pass today and I was in and out in five minutes with a smile on my face. :-)"

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 Critical Illness Guide →

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Focus on recovery, not medical bills — no obligation — tailored quotes from leading providers

What do you want protection against?

🎗️ Cancer Only

❤️ Heart & Stroke

🛡️ Cancer + Heart & Stroke

Choose your benefit structure

Option A
Lump-sum cash on diagnosis

Option B
Lump sum + hospital + wellness

Select your lump-sum benefit amount

$10K

$20K

$30K

$40K

$50K

$60K

$70K

$100K

Who needs coverage?

Just Me

Me + Spouse

Family

✅

You may qualify for coverage!

Based on your selections, June can compare rates from multiple A-rated carriers. Enter your contact info below so she can reach out with your personalized options.

Your Name

Phone Number

Email Address

Age

⚡ 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

Critical Illness Options

Cancer Only

Diagnosis-triggered lump sum

100% lump sum on cancer diagnosis
$300 skin cancer benefit
$75/yr annual care for 5 years
Option B: $200/day hospital
Option B: $50/yr wellness screening

Get Quote

Most Comprehensive

Cancer + Heart & Stroke

Combined critical illness protection

100% lump sum: cancer, heart attack, stroke
50% for bypass surgery
25% for angioplasty, stent, TIA
Option B: $100/yr wellness screening
Subsequent diagnosis scale to 100%

Get Quote

Heart & Stroke Only

Cardiovascular protection

100% lump sum: heart attack or stroke
50% for coronary artery bypass
25% for angioplasty, stent, TIA
End-stage renal failure covered
Option B: $50/yr wellness screening

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.

📖 Critical Illness Knowledge

Everything You Need to Know About Critical Illness Insurance

🏥

What Is Critical Illness Insurance?

Critical illness insurance pays a one-time, tax-free lump sum if you're diagnosed with a covered condition — cancer, heart attack, stroke, or other specified illnesses. It's not health insurance. It's income replacement when you can't work. Use the cash for anything: treatment copays, mortgage payments, childcare, travel to specialists, or lost wages.

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How the Lump Sum Works

Choose a benefit amount from $10,000 to $100,000. If diagnosed with a covered condition, you receive the full lump sum (or a percentage for lesser conditions like TIA or skin cancer). The money is paid directly to you — not the hospital, not the insurance company. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, scaling to 100% after 61 months.

🎗️

What Conditions Are Covered?

Cancer: All invasive cancers (100% lump sum), carcinoma in-situ (25%), skin cancer ($300). Heart & Stroke: Heart attack (100%), stroke (100%), coronary artery bypass (50%), angioplasty/stent (25%), TIA (25%). Combined plans also cover end-stage renal failure. All conditions must be first-time diagnoses after the policy effective date.

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Option A vs. Option B

Option A: Lump sum only — simple, clean, one payment on diagnosis. Option B: Lump sum PLUS hospital confinement ($200/day for days 1-30, $400/day for 31+), wellness screening benefit ($50-$100/year for preventative care), and radiation/chemo benefits ($200/day). Option B costs more but provides ongoing support during treatment.

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Health Insurance Gap Coverage

Health insurance covers medical bills. But it doesn't cover your mortgage, car payment, groceries, or childcare while you're in treatment. The average cancer patient faces $12,000+ in out-of-pocket costs in the first year alone — and that's with insurance. Critical illness insurance fills the gap between what health insurance covers and what life actually costs during a health crisis.

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Florida Consumer Protections

Florida requires a 14-day free-look period on all supplemental health policies (Fla. Stat. § 627.4554). Critical illness policies typically have a 12-month pre-existing condition lookback — conditions diagnosed or treated in the 12 months before your effective date are excluded during the first policy year. After that, full coverage applies. All policies are guaranteed renewable for life.

🎓 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 Bay Harbor Islands

More Insurance Options in Bay Harbor Islands, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏨 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

Critical Illness Insurance FAQ

💰

How much does critical illness insurance cost?

Premiums vary by age, coverage type, and benefit amount. Coverage is affordable for most families. June provides personalized quotes based on your specific situation — no obligation.

🏥

Is a medical exam required?

No medical exam. Eligibility is based on health questions at point of sale. Pre-existing conditions within the past 12 months may affect eligibility for specific coverage types.

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Can I claim more than once?

Yes. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, 40% after 25 months, scaling to 100% after 61 months since the previous diagnosis. The scale resets after each claim.

❤️

What if I have a family history of cancer or heart disease?

Family history alone does not disqualify you. Eligibility depends on your personal health history. Certain current conditions may affect which coverage type you qualify for. June helps navigate the options.

📋

Does this replace health insurance?

No. Critical illness insurance supplements health insurance. Health insurance covers medical bills. Critical illness insurance covers everything else — mortgage, bills, lost income, childcare. They work together.

Nearby Critical Illness Coverage

Read the Full Critical Illness 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

Critical Illness Insurance in Bay Harbor Islands, FL

Bay Harbor Islands, FL — Your Local Producer

Licensed Critical Illness Producers in Bay Harbor Islands

🏥 Critical Illness Insurance Underwriting Scope

🏛️ Official Bay Harbor Islands Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Check Your Coverage Options

Consultation Request Sent!

Critical Illness Options

Cancer Only

Cancer + Heart & Stroke

Heart & Stroke Only

Everything You Need to Know About Critical Illness Insurance

What Is Critical Illness Insurance?

How the Lump Sum Works

What Conditions Are Covered?

Option A vs. Option B

Health Insurance Gap Coverage

Florida Consumer Protections

More Insurance Options in Bay Harbor Islands, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Critical Illness Insurance FAQ

How much does critical illness insurance cost?

Is a medical exam required?

Can I claim more than once?

What if I have a family history of cancer or heart disease?

Does this replace health insurance?

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Talk to a real person. Today.

Critical Illness Insurance Underwriting Scope

Official Bay Harbor Islands Resources