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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Final Expense Insurance in Bay Harbor Islands, FL

No medical exam. Ages 50-85. Guaranteed acceptance available.

Final expense insurance for Bay Harbor Islands, 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 · 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 Final Expense 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 final expense 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.

Final Expense Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Final Expense 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 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.

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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 Bay Harbor Islands

More Insurance Options in Bay Harbor Islands, 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

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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

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Final Expense Insurance in Bay Harbor Islands, FL

Bay Harbor Islands, FL — Your Local Producer

Licensed Final Expense Producers in Bay Harbor Islands

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Bay Harbor Islands 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 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

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 Bay Harbor Islands Resources