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 ↗

Final Expense Insurance in Cutler Bay, FL

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

Final expense insurance for Cutler Bay, 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 · 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

Licensed Final Expense Producers in Cutler Bay

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

Adianys Galvez Leon

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

NPN 17708269 Licensed 2017

Adiel Oslay Baez Fernandez

Life Including Variable Annuity & Health

NPN 21670108 Licensed 2025

Adonte' Emir Lipscomb

Life Including Variable Annuity & Health

NPN 19091741 Licensed 2019

Adria Carbonell

Life Including Variable Annuity & Health

NPN 18595545 Licensed 2017

Adria Julia Fernandez

Life Including Variable Annuity & Health

NPN 21263342 Licensed 2024

Adrian Tomas De La Vina Espinosa

Life Including Variable Annuity & Health

NPN 21524491 Licensed 2025

Adriana Elena Reina Cala

Life Including Variable Annuity & Health

NPN 18869421 Licensed 2018

Adriana Maria Gonzalez

Life Including Variable Annuity & Health

NPN 20596725 Licensed 2023

Adriana Paipa

Life Including Variable Annuity & Health

NPN 7265451 Licensed 2002

Adriana Victoria Falcon

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

NPN 19392965 Licensed 2020

Agustin Oraldo Mesa Luis

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

NPN 17413598 Licensed 2014

Albert Lesme

Life Including Variable Annuity & Health

NPN 21552450 Licensed 2025

Alejandro M Alonso

Life Including Variable Annuity & Health

NPN 20534772 Licensed 2022

Alexander Perez Valdes

Life Including Variable Annuity & Health

NPN 21036178 Licensed 2024

Alexander Ruiz

Life Including Variable Annuity & Health

NPN 17751602 Licensed 2015

Alexis Guerrero

Life Including Variable Annuity & Health

NPN 20441850 Licensed 2022

Alexis Lesme

Life Including Variable Annuity & Health

NPN 22145207 Licensed 2026

Alfredo Acosta

Life Including Variable Annuity & Health

NPN 20166872 Licensed 2021

Aliana Aurora Gurris

Life Including Variable Annuity & Health

NPN 22042618 Licensed 2025

Alina Dejesus Garcia-Barbon

Life Including Variable Annuity & Health

NPN 444854 Licensed 1995

Alina Quinones Felpeto

Life Including Variable Annuity & Health

NPN 18110346 Licensed 2016

Alva Randall Royston

Life Including Variable Annuity & Health

NPN 419020 Licensed 2007

Alyanna Lena Fernandez

Life Including Variable Annuity & Health

NPN 20549224 Licensed 2022

Amanda Vega Romero

Life Including Variable Annuity & Health

NPN 19810730 Licensed 2021

View all 450 licensed final expense producers in Cutler Bay →

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 Cutler Bay regional market. Rates are localized using regional health baselines.

Official Cutler Bay Resources

County Miami Dade County

Population ~44,738

Lack of insurance (18–64) 25.1%

FIPS code 1215968

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 Cutler Bay rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

4.9 18 reviews

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…"

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.

✅

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 Cutler Bay

More Insurance Options in Cutler Bay, 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 Cutler Bay, FL

Cutler Bay, FL — Your Local Producer

Licensed Final Expense Producers in Cutler Bay

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Cutler Bay 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 Cutler Bay, 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?

Also Serving Miami Dade County

Hialeah Coverage Guide

The Ives Estates Legacy Plan

Kendale Lakes Coverage Guide

Miami Life Protection

The Miami Beach Legacy Plan

Miami Gardens Financial Security

The Crossings Financial Security

The Hammocks Wealth Strategy

West Little River Coverage Guide

West Miami Life Protection

Boulevard Gardens Coverage Guide

The Cooper City Legacy Plan

Fort Lauderdale Coverage Guide

Hallandale Coverage Guide

Hallandale Beach Financial Security

The Hollywood Legacy Plan

Lauderdale-by-the-Sea Coverage Guide

The Miramar Legacy Plan

Pompano Beach Wealth Strategy

Tamarac Wealth Strategy

Chokoloskee Wealth Strategy

The Golden Gate Legacy Plan

Immokalee Wealth Strategy

Lely Resort Coverage Guide

Marco Island Life Protection

The Marco Shores-Hammock Bay Legacy Plan

Naples Financial Security

The Naples Manor Legacy Plan

Pelican Marsh Coverage Guide

The Winding Cypress Legacy Plan

Talk to a real person. Today.

Final Expense Insurance Underwriting Scope

Official Cutler Bay Resources