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Home›Florida›Miami Dade County›Cutler Bay

June Marcia Williams — Licensed Insurance Agent in Cutler Bay, FL
June Marcia Williams
Your Insurance Agent in Cutler Bay, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Cutler Bay, FL...
National Producer No.
17209549
Verify ↗

Life Insurance in Cutler Bay, FL

Securing Families Across Miami Dade County with 9 Tailored Product Lines

Why Cutler Bay Residents Rely on June for Complete Peace of Mind

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

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Cutler Bay, 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 · Cutler Bay, FL

Cutler Bay, FL — Your Local Producer

Living here in Cutler Bay, we appreciate the unique blend of coastal charm and community spirit that defines our corner of Miami-Dade County. As your neighbor, I understand that protecting your family's future is a top priority. That's why I'm dedicated to helping you navigate your personal insurance options, from Term and Whole Life to policies covering final expenses or critical illness. My goal is to provide clear, straightforward guidance so you can find a plan that fits your life. As a licensed insurance producer, I'm here to help you secure peace of mind. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • Cutler Bay Town Hall
  • Black Point Park & Marina
  • Southland Mall
NPN17209549FL LicenseW840529

Cutler Bay is home to approximately 44,700 residents in Miami Dade County, with a median age of 40.9 and a median household income of $78,600. About 66% of homes are owner-occupied; the median home value is $379,000. 31% of adults hold a bachelor's degree or higher; households with children make up 38%; veterans comprise 3% of residents. Average household size is 3.1. These demographic markers shape which life insurance products fit Cutler Bay households.

How Cutler Bay compares to Miami Dade County

MIAMI DADE COUNTY · 2.7M RESIDENTS CUTLER BAY · 45K RESIDENTS
Miami Dade County vs Cutler Bay — population comparison Miami Dade County: 2,688,237 residents. Cutler Bay: 44,738 residents, 1.7% of Miami Dade County population.
2,688,237 MIAMI DADE COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
44,738 CUTLER BAY RESIDENTS ↳ 1.7% of Miami Dade County residents
Underwriting Guidelines

What rate class can Cutler Bay applicants with arthritis expect from life insurance carriers?

Many Cutler Bay residents secure competitive rates despite arthritis. Miami Dade County reports 18.0% adult prevalence (CDC PLACES); 11.5% also manage current cigarette smoking, with 25.6% of the ~2,688,000 population lacking health insurance. Carriers offer fully underwritten and simplified-issue paths sized to the clinical specifics.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Bay Harbor Islands →

📊 Top Health Considerations (CDC)

Top Health Considerations for Cutler Bay (CITY) High cholesterol: 35.5%. High blood pressure: 32.8%. Obesity: 29%. Diagnosed diabetes: 14.8%. Current cigarette smoking: 11.5%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CUTLER BAY High cholesterol 35.5% High blood pressure 32.8% Obesity 29.0% Diagnosed diabetes 14.8% Current cigarette smoking 11.5% Data sourced directly from the CDC PLACES Dataset.

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 ~44,738
Lack of health insurance (18–64) 25.1%

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

FIPS code 1215968
Google Maps
4.9 18 reviews
Cutler Bay Town Hall photo 1Cutler Bay Town Hall photo 2Cutler Bay Town Hall photo 3Cutler Bay Town Hall photo 4
Photos by M M , Alex Villasuso , Cutler Bay , Anthony Mackey Sr. via Google Maps
View on Google Maps
Cutler Bay Town Hall
Open now · Mon 8:00 AM – 5:00 PM
(305) 234-4262
cutlerbay-fl.gov .GOV
10720 Caribbean Blvd suite 110, Cutler Bay, FL 33189, USA
Recent Reviews
Carlos Alberto Rojas ★★★★★
"Beautiful place and very nice and clean"
J. M. ★★★★★
"Staff is super helpful and nice. Would be great if the city invested in an online system for permit and license submission and progress tracking like other cities and states. However, I visited, and t…"
Available in Cutler Bay

Life Insurance Products in Cutler Bay, FL

9 insurance products available in Cutler Bay

🛡️ 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
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Life Insurance in Miami Dade County and Nearby Florida Counties

Life Insurance by City Near Cutler Bay, FL

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

🌟 Cities Served near Cutler Bay

30 Cities · 3 Counties
Broward County10
Boulevard GardensCooper CityFort LauderdaleHallandaleHallandale BeachHollywoodLauderdale-by-the-SeaMiramarPompano BeachTamarac
Miami Dade CountyHome10
HialeahIves EstatesKendale LakesMiamiMiami BeachMiami GardensThe CrossingsThe HammocksWest Little RiverWest Miami
Collier County10
ChokoloskeeGolden GateImmokaleeLely ResortMarco IslandMarco Shores-Hammock BayNaplesNaples ManorPelican MarshWinding Cypress
🏛️ Know Your Agent · Public Record Directory

Licensed Insurance Agents in Cutler Bay, Florida

Florida DFS public records show 491 actively licensed insurance producers with business addresses in Cutler Bay (Miami-Dade County County). 450 hold Life & Health authority; 79 hold Property & Casualty authority. Browse by line below, or verify any license number directly with the state.

491Licensed producers
450Life & Health
79General Lines (P&C)

Browse producers by line

Life & Health Agents
450 producers · life-authorised
General Lines (Property & Casualty)
79 producers · 2-20

Featured licensed producers

Browse all →
HT
Hector Jose Trujillo
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 7841771 Licensed 2013
EG
Edmundo R Gonzalez
Life Including Variable Annuity & Health
NPN 7153211 Licensed 2002
AR
Alva Randall Royston
Life Including Variable Annuity & Health
NPN 419020 Licensed 2007
RI
Roberto Ibarra
Life Including Variable Annuity & Health
NPN 8071983 Licensed 1984
HT
Hector Jose Trujillo
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 7841771 Licensed 2013
YR
Yadira Rios-Torres
General Lines (Property & Casualty)
NPN 594258 Licensed 1997

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 Cutler Bay.

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

Cutler Bay Life Insurance Questions

💰

How much does life insurance cost in Cutler Bay?

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.

Cutler Bay
📋

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 Cutler Bay?

Yes. June serves all of Cutler Bay 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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