June Marcia Williams

Your Insurance Agent in Opa Locka, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Opa Locka, FL...

National Producer No.

17209549

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Critical Illness Insurance in Opa Locka, FL

Benefits from $10,000 to $100,000. No network restrictions.

Critical illness insurance for Opa Locka, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — lump-sum benefits paid on diagnosis of cancer, heart attack, or stroke, 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 · Opa Locka, FL

Opa Locka, FL — Your Local Producer

Hello to my neighbors in Opa Locka! I appreciate the unique character and vibrant culture that defines our corner of Miami-Dade County. My name is June Marcia Williams, and as a licensed insurance producer, I'm committed to helping local families and individuals plan for their financial security. Whether you're considering Term Life, Whole Life, Final Expense, or Accident & Injury insurance, I can help you understand your options. My goal is to provide clear, personal guidance so you can make confident decisions for your future. I'm here to serve our community. (NPN: 17209549, Florida License No: W840529)

Opa-locka City Hall
Miami-Opa Locka Executive Airport
Opa-locka Tri-Rail Station

NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Opa Locka

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

Adffher Ivan Nicolas

Life Including Variable Annuity & Health

NPN 20631215 Licensed 2023

Alba E Rivera

Life Including Variable Annuity & Health

NPN 6913074 Licensed 2002

Amarilys Brito

Life Including Variable Annuity & Health

NPN 18740315 Licensed 2018

Ana Maria Mendoza Concepcion

Life Including Variable Annuity & Health

NPN 21312975 Licensed 2024

Anabel Crespo

Life Including Variable Annuity & Health

NPN 21187121 Licensed 2024

Andre Corbitt

Life Including Variable Annuity & Health

NPN 16629315 Licensed 2012

Andrea Elizabeth Young

Life Including Variable Annuity & Health

NPN 2899461 Licensed 2016

Andres Avilez Diaz

Life Including Variable Annuity & Health

NPN 18781312 Licensed 2018

Andy Collazo Gutierrez

Life Including Variable Annuity & Health

NPN 21372341 Licensed 2024

Anthony L Sawyer

Life Including Variable Annuity & Health

NPN 18390060 Licensed 2017

Arelis Sanabria

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

NPN 18164540 Licensed 2016

Arielis Mor Araque

Life Including Variable Annuity & Health

NPN 19406507 Licensed 2020

Arisdelbis Fernandez Tovar

Life Including Variable Annuity & Health

NPN 20975492 Licensed 2023

Arisnaisy Hernandez Vazquez

Life Including Variable Annuity & Health

NPN 20578124 Licensed 2023

Arletis Montano Montano

Life Including Variable Annuity & Health

NPN 21367923 Licensed 2024

Astrid Marisol Ordonez

Life Including Variable Annuity & Health

NPN 22199693 Licensed 2026

Barbara Del Carmen Hernandez Ravelo

Life Including Variable Annuity & Health

NPN 22147904 Licensed 2026

Brian A Garcia

Life Including Variable Annuity & Health

NPN 22053757 Licensed 2025

Carmen V Sanchez Tirado

Life Including Variable Annuity & Health

NPN 20981151 Licensed 2023

Catherine Eliza Higgs-Palmer

Life Including Variable Annuity & Health

NPN 12463469 Licensed 2009

Charlene Valerie Ward-Allen

Life Including Variable Annuity & Health

NPN 21432684 Licensed 2025

Charles Bryan Bello

Life Including Variable Annuity & Health

NPN 16975938 Licensed 2023

Chrislady Richardson Ortiz

Life Including Variable Annuity & Health

NPN 21635653 Licensed 2025

Christena Phillips

Life Including Variable Annuity & Health

NPN 21206108 Licensed 2024

View all 94 licensed critical illness producers in Opa Locka →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Critical Illness Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Critical Illness Insurance across the Opa Locka regional market. Rates are localized using regional health baselines.

Official Opa Locka Resources

County Miami Dade County

Population ~16,230

Lack of insurance (18–64) 28.2%

FIPS code 1251650

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 Opa Locka rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

4.4 10 reviews

Photos by Ricardo Bianchetti , Jean Pierre Kamiya , Daniel Calzadilla via Google Maps

View on Google Maps

Historic Opa-locka City Hall

(305) 953-2868

Sharazad Blvd, Opa-locka, FL 33054, USA

Recent Reviews

Chad Cherf ★★★★★

"We went there tonight, which was February 13th, 2026 for 2nd annual MN ENA Festival. We drove a really long way. About 3 hours there and 2 hours home from Stuart, FL. We saw ab advertisement for th…"

Roy Banos ★★★★★

"Turns out Opa-locka City Hall isn’t the Small World ride or Morocco at EPCOT — but it sure fooled me for a second. The architecture makes you feel like you’ve stepped into another world, without needi…"

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 Critical Illness Guide →

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Focus on recovery, not medical bills — no obligation — tailored quotes from leading providers

What do you want protection against?

🎗️ Cancer Only

❤️ Heart & Stroke

🛡️ Cancer + Heart & Stroke

Choose your benefit structure

Option A
Lump-sum cash on diagnosis

Option B
Lump sum + hospital + wellness

Select your lump-sum benefit amount

$10K

$20K

$30K

$40K

$50K

$60K

$70K

$100K

Who needs coverage?

Just Me

Me + Spouse

Family

✅

You may qualify for coverage!

Based on your selections, June can compare rates from multiple A-rated carriers. Enter your contact info below so she can reach out with your personalized options.

Your Name

Phone Number

Email Address

Age

⚡ Call me ASAP — I want to speak with an agent as soon as possible

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✅

Consultation Request Sent!

June will call you within 30 minutes 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

Critical Illness Options

Cancer Only

Diagnosis-triggered lump sum

100% lump sum on cancer diagnosis
$300 skin cancer benefit
$75/yr annual care for 5 years
Option B: $200/day hospital
Option B: $50/yr wellness screening

Get Quote

Most Comprehensive

Cancer + Heart & Stroke

Combined critical illness protection

100% lump sum: cancer, heart attack, stroke
50% for bypass surgery
25% for angioplasty, stent, TIA
Option B: $100/yr wellness screening
Subsequent diagnosis scale to 100%

Get Quote

Heart & Stroke Only

Cardiovascular protection

100% lump sum: heart attack or stroke
50% for coronary artery bypass
25% for angioplasty, stent, TIA
End-stage renal failure covered
Option B: $50/yr wellness screening

Get Quote

Important — what this coverage does not pay

This is limited benefit supplemental coverage. It is not major medical insurance, not comprehensive health coverage, and not a substitute for either. It does not meet minimum essential coverage requirements.

Benefits are paid only when the policy’s specific conditions are met. This policy contains exclusions, limitations, and reductions of benefits, and terms under which the policy may be continued in force or discontinued. Some benefits do not begin until a waiting period has passed. Losses caused by a health condition you had before your coverage start date may not be covered. Coverage of this type is guaranteed renewable; premium rates may change, but only for an entire class of policies, never for you individually.

For costs and complete details of the coverage, including the full list of exclusions and limitations, review the policy documents or contact us before applying.

📖 Critical Illness Knowledge

Everything You Need to Know About Critical Illness Insurance

🏥

What Is Critical Illness Insurance?

Critical illness insurance pays a one-time, tax-free lump sum if you're diagnosed with a covered condition — cancer, heart attack, stroke, or other specified illnesses. It's not health insurance. It's income replacement when you can't work. Use the cash for anything: treatment copays, mortgage payments, childcare, travel to specialists, or lost wages.

💲

How the Lump Sum Works

Choose a benefit amount from $10,000 to $100,000. If diagnosed with a covered condition, you receive the full lump sum (or a percentage for lesser conditions like TIA or skin cancer). The money is paid directly to you — not the hospital, not the insurance company. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, scaling to 100% after 61 months.

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What Conditions Are Covered?

Cancer: All invasive cancers (100% lump sum), carcinoma in-situ (25%), skin cancer ($300). Heart & Stroke: Heart attack (100%), stroke (100%), coronary artery bypass (50%), angioplasty/stent (25%), TIA (25%). Combined plans also cover end-stage renal failure. All conditions must be first-time diagnoses after the policy effective date.

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Option A vs. Option B

Option A: Lump sum only — simple, clean, one payment on diagnosis. Option B: Lump sum PLUS hospital confinement ($200/day for days 1-30, $400/day for 31+), wellness screening benefit ($50-$100/year for preventative care), and radiation/chemo benefits ($200/day). Option B costs more but provides ongoing support during treatment.

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Health Insurance Gap Coverage

Health insurance covers medical bills. But it doesn't cover your mortgage, car payment, groceries, or childcare while you're in treatment. The average cancer patient faces $12,000+ in out-of-pocket costs in the first year alone — and that's with insurance. Critical illness insurance fills the gap between what health insurance covers and what life actually costs during a health crisis.

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Florida Consumer Protections

Florida requires a 14-day free-look period on all supplemental health policies (Fla. Stat. § 627.4554). Critical illness policies typically have a 12-month pre-existing condition lookback — conditions diagnosed or treated in the 12 months before your effective date are excluded during the first policy year. After that, full coverage applies. All policies are guaranteed renewable for life.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated supplemental health carriers.

Life Insurance in Opa Locka

More Insurance Options in Opa Locka, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏨 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

Critical Illness Insurance FAQ

💰

How much does critical illness insurance cost?

Premiums vary by age, coverage type, and benefit amount. Coverage is affordable for most families. June provides personalized quotes based on your specific situation — no obligation.

🏥

Is a medical exam required?

No medical exam. Eligibility is based on health questions at point of sale. Pre-existing conditions within the past 12 months may affect eligibility for specific coverage types.

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Can I claim more than once?

Yes. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, 40% after 25 months, scaling to 100% after 61 months since the previous diagnosis. The scale resets after each claim.

❤️

What if I have a family history of cancer or heart disease?

Family history alone does not disqualify you. Eligibility depends on your personal health history. Certain current conditions may affect which coverage type you qualify for. June helps navigate the options.

📋

Does this replace health insurance?

No. Critical illness insurance supplements health insurance. Health insurance covers medical bills. Critical illness insurance covers everything else — mortgage, bills, lost income, childcare. They work together.

Nearby Critical Illness Coverage

Read the Full Critical Illness 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

Critical Illness Insurance in Opa Locka, FL

Opa Locka, FL — Your Local Producer

Licensed Critical Illness Producers in Opa Locka

🏥 Critical Illness Insurance Underwriting Scope

🏛️ Official Opa Locka Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Check Your Coverage Options

Consultation Request Sent!

Critical Illness Options

Cancer Only

Cancer + Heart & Stroke

Heart & Stroke Only

Everything You Need to Know About Critical Illness Insurance

What Is Critical Illness Insurance?

How the Lump Sum Works

What Conditions Are Covered?

Option A vs. Option B

Health Insurance Gap Coverage

Florida Consumer Protections

More Insurance Options in Opa Locka, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Critical Illness Insurance FAQ

How much does critical illness insurance cost?

Is a medical exam required?

Can I claim more than once?

What if I have a family history of cancer or heart disease?

Does this replace health insurance?

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Talk to a real person. Today.

Critical Illness Insurance Underwriting Scope

Official Opa Locka Resources