June Marcia Williams

Your Insurance Agent in Miami Shores, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Miami Shores, FL...

National Producer No.

17209549

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Term Life Insurance in Miami Shores, FL

June Williams — NPN 17209549. No-exam options up to $500K.

Term life insurance for Miami Shores, 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 · Miami Shores, FL

Miami Shores, FL — Your Local Producer

Hello, Miami Shores! I love the unique charm of our village, from the beautiful architecture to the strong sense of community that makes Miami-Dade County so special. As your neighbor and a licensed insurance producer, I'm here to help you navigate your personal insurance options with a local touch. Whether you're considering Term Life, Whole Life, Final Expense, or specialized plans like Critical Illness and Hospital Indemnity, my goal is to provide clear, straightforward guidance. Let's work together to find a strategy that fits your life. I'm June Marcia Williams (NPN: 17209549, Florida License No: W840529), and I look forward to serving my fellow residents.

Barry University
Miami Shores Country Club
Brockway Memorial Library

NPN17209549FL LicenseW840529

Licensed Term Life Producers in Miami Shores

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

Abbas Ugur

Life Including Variable Annuity & Health

NPN 21495596 Licensed 2025

Alexander E Cardona Niebles

Life Including Variable Annuity & Health

NPN 16333054 Licensed 2011

Alexandra Denis

Life Including Variable Annuity & Health

NPN 20975518 Licensed 2023

Andres Eduardo Posada

Life Including Variable Annuity & Health

NPN 21697177 Licensed 2025

Armando Fernandez

Life Including Variable Annuity & Health

NPN 1927261 Licensed 1998

Ashley Riggs Sarnicola

Life Including Variable Annuity & Health

NPN 12406350 Licensed 2026

Beatriz Padilla

Life Including Variable Annuity & Health

NPN 21323110 Licensed 2024

Bianca Abbott

Life Including Variable Annuity & Health

NPN 21295755 Licensed 2024

Blane Medley

Life Including Variable Annuity & Health

NPN 3057138 Licensed 2018

Carlos Jose Colina

Life Including Variable Annuity & Health

NPN 19798308 Licensed 2021

Cheronne E Van De Lisle

Life Including Variable Annuity & Health

NPN 17782979 Licensed 2025

Chris Antonopoulos

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

NPN 495571 Licensed 1974

Christian Tomasoni

Life Including Variable Annuity & Health

NPN 22195570 Licensed 2026

Christina Asma Ganem

Life Including Variable Annuity & Health

NPN 22260087 Licensed 2026

Claudia Figueredo Guerrero

Life Including Variable Annuity & Health

NPN 20828067 Licensed 2023

Claudia Robles

Life Including Variable Annuity & Health

NPN 21281211 Licensed 2024

Colleen Carolyn Smith

Life Including Variable Annuity & Health

NPN 20730798 Licensed 2025

Damaris Mateo

Life Including Variable Annuity & Health

NPN 22238759 Licensed 2026

Daniel Suniga

Life Including Variable Annuity & Health

NPN 21552472 Licensed 2025

Dean Mauro

Life Including Variable Annuity & Health

NPN 20565454 Licensed 2022

Deanna Lynn Evans-Cook

Life Including Variable Annuity & Health

NPN 19611309 Licensed 2020

Elizabeth Sincere

Life Including Variable Annuity & Health

NPN 20276706 Licensed 2022

Esgar-Jose Philistin

Life Including Variable Annuity & Health

NPN 18805648 Licensed 2018

Francisco Miguel Llende

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

NPN 506843 Licensed 2016

View all 63 licensed term life producers in Miami Shores →

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 Miami Shores regional market. Rates are localized using regional health baselines.

Official Miami Shores Resources

County Miami Dade County

Population ~11,638

Lack of insurance (18–64) 17.8%

FIPS code 1245175

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 Miami Shores rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

Photos by Diane M. Lizasuain , Oleg Ka , Harrison C. Davies via Google Maps

View on Google Maps

Miami Shores

miamishoresvillage.com

Miami Shores, FL, 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 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 Miami Shores

More Insurance Options in Miami Shores, 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 Miami Shores?

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 Miami Shores, FL

Miami Shores, FL — Your Local Producer

Licensed Term Life Producers in Miami Shores

🛡️ Term Life Insurance Underwriting Scope

🏛️ Official Miami Shores 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 Miami Shores, 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 Miami Shores?

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 Miami Shores Resources