June Marcia Williams

Your Insurance Agent in Key Biscayne, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Key Biscayne, FL...

National Producer No.

17209549

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Final Expense Insurance in Key Biscayne, FL

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

Final expense insurance for Key Biscayne, 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 · Key Biscayne, FL

Key Biscayne, FL — Your Local Producer

For those of us who call the beautiful island of Key Biscayne home, we understand the unique value of our coastal community. Life in this special part of Miami-Dade County means prioritizing family and protecting the future we're building. I'm June Marcia Williams, a licensed insurance producer right here in your community, and I'm committed to helping my neighbors understand their options. Whether you're considering life insurance, final expense, or other personal coverage, I can provide clear, straightforward information to help you make informed decisions. (NPN: 17209549, Florida License No: W840529)

Bill Baggs Cape Florida State Park
Crandon Park
Key Biscayne Village Hall

NPN17209549FL LicenseW840529

Licensed Final Expense Producers in Key Biscayne

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

Adolfo Ignacio Yanes Luciani

Life Including Variable Annuity & Health

NPN 22188541 Licensed 2026

Alberto Enrique Argomaniz

Life Including Variable Annuity & Health

NPN 500011 Licensed 1994

Aldo Galiani

Life Including Variable Annuity & Health

NPN 19796598 Licensed 2021

Alejandro M Perez

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

NPN 7622684 Licensed 2003

Alexander Belton Ash

Life Including Variable Annuity & Health

NPN 21718046 Licensed 2025

Aline De Carvalho Fragoso Pires

Life Including Variable Annuity & Health

NPN 21659307 Licensed 2025

Amy Quinlan

Life Including Variable Annuity & Health

NPN 10660396 Licensed 2015

Ana Cristina Castillo

Life Including Variable Annuity & Health

NPN 19783773 Licensed 2021

Ana Lorena Naranjo

Life Including Variable Annuity & Health

NPN 9232505 Licensed 2011

Antonio Lauria

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

NPN 3232209 Licensed 2003

Betty Julie Estrada

Life Including Variable Annuity & Health

NPN 20465446 Licensed 2022

Blas U Blanco

Life Including Variable Annuity & Health

NPN 21291935 Licensed 2024

Brian David Tavera

Life Including Variable Annuity & Health

NPN 21782297 Licensed 2025

Bruno Domingos Dias Silva

Life Including Variable Annuity & Health

NPN 21682482 Licensed 2025

Bryan Naranjo

Life Including Variable Annuity & Health

NPN 17528432 Licensed 2015

Carlos Ivan Lawrie

Life Including Variable Annuity & Health

NPN 21357034 Licensed 2024

Carolina Giraldo

Life Including Variable Annuity & Health

NPN 20072430 Licensed 2021

Chabeli Caridad Aguiar

Life Including Variable Annuity & Health

NPN 19007018 Licensed 2018

Christian Bernard Chauvin

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

NPN 7924776 Licensed 2025

Cristina Extremera Abril

Life Including Variable Annuity & Health

NPN 19217524 Licensed 2019

Daniel Bello

Life Including Variable Annuity & Health

NPN 21214871 Licensed 2024

Daniela Cristina Nader

Life Including Variable Annuity & Health

NPN 20839636 Licensed 2023

Diego Leon Ballon

Life Including Variable Annuity & Health

NPN 21734987 Licensed 2025

Dionisio Jose Chamorro

Life Including Variable Annuity & Health

NPN 8089688 Licensed 2004

View all 89 licensed final expense producers in Key Biscayne →

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 Key Biscayne regional market. Rates are localized using regional health baselines.

Official Key Biscayne Resources

County Miami Dade County

Population ~14,572

Lack of insurance (18–64) 13.7%

FIPS code 1236300

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 Key Biscayne rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

Photos by Jorge Daniel , Alberto de miguel manzano , Fermin Morales , Spencer Raymond PA via Google Maps

View on Google Maps

Key Biscayne

keybiscayne.fl.gov .GOV

Key Biscayne, FL 33149, USA

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 Key Biscayne

More Insurance Options in Key Biscayne, 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.

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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.

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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 Key Biscayne, FL

Key Biscayne, FL — Your Local Producer

Licensed Final Expense Producers in Key Biscayne

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Key Biscayne 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 Key Biscayne, 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 Key Biscayne Resources