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

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Term Life Insurance in Cutler Bay, FL

Lock in level premiums and protect your family's income.

Term life insurance for Cutler Bay, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — level premiums for 10, 20, or 30 years and tax-free death benefit, 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 Term Life 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 term life 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.

Term Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Term Life 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 Term Life Guide →

Select your coverage below to see your price in seconds.

See If You Pre-Qualify in 60 Seconds

Fast, personalized quotes — no obligation — no medical exam up to $400K

How much coverage do you need?

$50K

$100K

$150K

$250K

$400K

$500K+

How long do you need coverage?

10 yr

15 yr

20 yr

25 yr

30 yr

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Never

Quit 5+ yrs

Quit 1-5 yrs

Current

Have you ever been treated for high blood pressure?

Yes

Have you ever been treated for high cholesterol?

Yes

Have you been diagnosed with or treated for diabetes?

Yes

Has a parent died before age 65 from heart disease or cancer?

Yes

Any DUI/DWI in the past 5 years?

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

Compare Plans

Term Life Options

10-Year Term

Lowest monthly cost

Complete the quick form above to see your estimate

Level premium for 10 years
Issue ages 18-80
No exam up to $400K
Convertible to permanent
Renewable to age 100

Get Quote

20-Year Term

Best value for families

Complete the quick form above to see your estimate

Level premium for 20 years
Issue ages 18-65
No exam up to $400K
Convertible to permanent
Covers mortgage + college

Get Quote

30-Year Term

Maximum protection

Complete the quick form above to see your estimate

Level premium for 30 years
Issue ages 18-55
No exam up to $400K
Convertible to permanent
Locks rate til retirement

Get Quote

📖 Term Life Knowledge

Everything You Need to Know About Term Life Insurance

🛡️

What Is Term Life Insurance?

Term life is pure death benefit protection for a set period — 10, 20, or 30 years. If you die during the term, your beneficiaries receive a tax-free lump sum. If you outlive the term, the policy expires. No cash value, no investment component. It's the most affordable type of life insurance because you're only paying for the death benefit.

💲

How Much Does Term Life Cost?

A healthy 30-year-old can get a $500,000 20-year term policy for under $25/month. Rates depend on age, health, tobacco use, coverage amount, and term length. Shorter terms cost less. Women typically pay less than men. Life insurance premiums paid by the policyowner are not subject to a state sales tax in any U.S. state.

🔄

Can I Convert to Permanent Later?

Most quality carriers include a conversion privilege — the right to convert your term policy to whole life or universal life without a new medical exam. This is critical: if your health changes during the term, conversion lets you keep coverage. June only recommends carriers with strong conversion options.

📊

How Much Coverage Do I Need?

The DIME method: Debt + Income replacement + Mortgage + Education. Add up what your family needs if you're gone. A common shortcut: 10-12× your annual income. A family earning $75K needs roughly $750K-$900K. June provides a free needs analysis to find your exact number.

🏥

Do I Need a Medical Exam?

Traditional fully-underwritten term life requires a brief paramedical exam (blood draw, blood pressure, height/weight) — this typically qualifies you for the lowest premiums. No-exam options exist through accelerated underwriting for coverage up to $500K, but premiums are 15-30% higher. June helps you decide which path makes sense for your situation.

⚖️

Florida Life Insurance Consumer Rights

Florida law provides a 14-day free-look period — return any policy within that window for a full refund (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing guaranteed and non-guaranteed values. Your agent must disclose all compensation. June operates under a fiduciary mindset: your needs first, always.

🎓 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

💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 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

Term Life Insurance FAQ

💰

How much does term life cost in Cutler Bay?

A healthy 35-year-old can get $500K coverage for around $28/month on a 20-year term. Rates vary by age, health, and coverage amount.

📅

What term lengths are available?

10-year, 20-year, and 30-year terms. Shorter terms cost less. Longer terms lock in your rate. June helps you find the right fit.

🔄

Can I convert to whole life later?

Most carriers offer conversion without a new medical exam. Valuable safety net if your health changes down the road.

🏥

Do I need a medical exam?

Traditional term life requires a brief exam for lower premiums. No-exam options available at slightly higher premiums for quick coverage.

📊

How much coverage do I need?

Guideline: 10-12x annual income. A family earning $60K/year needs $600K-$720K. June provides free needs analysis.

Nearby Term Life Coverage

Read the Full Term Life 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

Term Life Insurance in Cutler Bay, FL

Cutler Bay, FL — Your Local Producer

Licensed Term Life Producers in Cutler Bay

🛡️ Term Life Insurance Underwriting Scope

🏛️ Official Cutler Bay Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Pre-Qualify in 60 Seconds

Quote Request Received!

Term Life Options

10-Year Term

20-Year Term

30-Year Term

Everything You Need to Know About Term Life Insurance

What Is Term Life Insurance?

How Much Does Term Life Cost?

Can I Convert to Permanent Later?

How Much Coverage Do I Need?

Do I Need a Medical Exam?

Florida Life Insurance Consumer Rights

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

Term Life Insurance FAQ

How much does term life cost in Cutler Bay?

What term lengths are available?

Can I convert to whole life later?

Do I need a medical exam?

How much coverage do I need?

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Talk to a real person. Today.

Term Life Insurance Underwriting Scope

Official Cutler Bay Resources