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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Term Life Insurance in Opa Locka, FL

Compare 10, 20, and 30-year term rates from top carriers.

Term life insurance for Opa Locka, 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 · 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 Term Life 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 term life 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.

Term Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Term Life 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 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 Opa Locka

More Insurance Options in Opa Locka, 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 Opa Locka?

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

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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 Opa Locka, FL

Opa Locka, FL — Your Local Producer

Licensed Term Life Producers in Opa Locka

🛡️ Term Life Insurance Underwriting Scope

🏛️ Official Opa Locka 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 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

Term Life Insurance FAQ

How much does term life cost in Opa Locka?

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 Opa Locka Resources