June Marcia Williams

Your Insurance Agent in Miami Springs, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Miami Springs, FL...

National Producer No.

17209549

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Final Expense Insurance in Miami Springs, FL

June Williams — simplified issue specialist. Same-day quotes.

Final expense insurance for Miami Springs, 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 · Miami Springs, FL

Miami Springs, FL — Your Local Producer

Hello, Miami Springs! I love the unique character and strong sense of community here in our corner of Miami-Dade County. As a local licensed insurance producer, I'm dedicated to helping my neighbors navigate their options for protecting their families and futures. Whether you're near the Circle or enjoying the quiet residential streets, planning for life's uncertainties is crucial. I offer personalized guidance on a range of products, including Term and Whole Life, Final Expense, Critical Illness, and Accident & Injury policies. Let's talk about a strategy that fits your life. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Curtiss Mansion
Miami Springs Golf & Country Club
Miami Springs Circle Park

NPN17209549FL LicenseW840529

Licensed Final Expense Producers in Miami Springs

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

Alberto Gonzalez Batista

Life Including Variable Annuity & Health

NPN 20643825 Licensed 2023

Alejandro Era

Life Including Variable Annuity & Health

NPN 18567734 Licensed 2017

Alexis Ann Alberts

Life Including Variable Annuity & Health

NPN 21731969 Licensed 2025

Alfred Ogando

Life Including Variable Annuity & Health

NPN 22235513 Licensed 2026

Alina Fleites

Life Including Variable Annuity & Health

NPN 19222656 Licensed 2019

Andrea S Villarroel-Velasco

Life Including Variable Annuity & Health

NPN 20449291 Licensed 2022

Andrii Dimov

Life Including Variable Annuity & Health

NPN 21621837 Licensed 2025

Angelica Bautista

Life Including Variable Annuity & Health

NPN 21328754 Licensed 2024

Annabel Maria Haigh

Life Including Variable Annuity & Health

NPN 21566965 Licensed 2025

Annalie D Rodriguez-Munoz

Life Including Variable Annuity & Health

NPN 19888323 Licensed 2021

Ariel Martinez

Life Including Variable Annuity & Health

NPN 21479269 Licensed 2025

Arturo Francisco Hoyo

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

NPN 450769 Licensed 1975

Barbara Zuleide Cunningham

Life Including Variable Annuity & Health

NPN 16986347 Licensed 2013

Beatriz Ruza

Life Including Variable Annuity & Health

NPN 21484961 Licensed 2025

Belkys Lezcano Diaz

Life Including Variable Annuity & Health

NPN 17404095 Licensed 2014

Bimal Patel

Life Including Variable Annuity & Health

NPN 3470546 Licensed 2000

Carlos Alejandro Morejon

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

NPN 19337355 Licensed 2019

Carmen Garcia Marcial

Life Including Variable Annuity & Health

NPN 19741021 Licensed 2020

Carmen Ines Naranjo Rengifo

Life Including Variable Annuity & Health

NPN 21411657 Licensed 2024

Carolina Gonzalez Diaz

Life Including Variable Annuity & Health

NPN 21373696 Licensed 2024

Daimelys Perez Torres

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

NPN 19097068 Licensed 2021

Damian A Fuentes

Life Including Variable Annuity & Health

NPN 19242597 Licensed 2019

Dariel Morales Ricardo

Life Including Variable Annuity & Health

NPN 21380575 Licensed 2024

David Jose Depablo

Life Including Variable Annuity & Health

NPN 17811299 Licensed 2025

View all 117 licensed final expense producers in Miami Springs →

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

Official Miami Springs Resources

County Miami Dade County

Population ~13,729

Lack of insurance (18–64) 24.9%

FIPS code 1245200

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 Springs rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

4.5 20 reviews

Photos by John , Rain Gutters By Green Solution , Pavel Cuellar via Google Maps

View on Google Maps

City of Miami Springs City Hall

Open now · Mon 8:00 AM – 4:45 PM

(305) 805-5000

miamisprings-fl.gov .GOV

201 Westward Dr, Miami Springs, FL 33166, USA

Recent Reviews

Ruth Franco ★★★★★

"Today I visited the Miami Springs Hall Passport office and was attended by Customer Service Rep (Jordan). He is very friendly and helpful. He has great Customer Service Skills."

Emilia Fabio ★★★★★

"I applied for my passport here. They were very friendly and explained everything to me step by step. Excellent customer service and very professional."

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.

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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.

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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 Miami Springs

More Insurance Options in Miami Springs, 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.

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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).

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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 Miami Springs, FL

Miami Springs, FL — Your Local Producer

Licensed Final Expense Producers in Miami Springs

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Miami Springs 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 Miami Springs, 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 Miami Springs Resources