June Marcia Williams

Your Insurance Agent in Palmetto Bay, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Palmetto Bay, FL...

National Producer No.

17209549

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Critical Illness Insurance in Palmetto Bay, FL

Fill the gap between health insurance and real-life costs.

Critical illness insurance for Palmetto Bay, 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 · Palmetto Bay, FL

Palmetto Bay, FL — Your Local Producer

Hello, Palmetto Bay! As a licensed insurance producer right here in the Miami-Dade County area, I appreciate the wonderful quality of life our community offers. My passion is helping my neighbors protect their families and futures. I'm June Marcia Williams, and I specialize in personal insurance solutions tailored to your unique needs. Whether you're considering Term, Whole, or Universal Life insurance, or need coverage for Final Expenses, Critical Illness, Hospital Indemnity, or Accidents, I'm here to guide you. I also assist with Business Life and special situations. Let's work together to secure your peace of mind. (NPN: 17209549, Florida License No: W840529)

Deering Estate
Coral Reef Park
Village of Palmetto Bay Village Hall

NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Palmetto Bay

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

Adrian Jose Alfonso

Life Including Variable Annuity & Health

NPN 20765398 Licensed 2023

Alberto Salinas Reyespatria

Life Including Variable Annuity & Health

NPN 21744061 Licensed 2025

Alejandro S Masferrer

Life Including Variable Annuity & Health

NPN 3529090 Licensed 2013

Alen Turcinhodzic

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

NPN 17914404 Licensed 2022

Alex Irias

Life Including Variable Annuity & Health

NPN 3639835 Licensed 2019

Alexander Castello

Life Including Variable Annuity & Health

NPN 18741743 Licensed 2018

Alexander Jason Garcia

Life Including Variable Annuity & Health

NPN 21185275 Licensed 2024

Alfonso Danilo Bonilla

Life Including Variable Annuity & Health

NPN 21011981 Licensed 2023

Alfredo B Gonzaga

Life Including Variable Annuity & Health

NPN 19795097 Licensed 2021

Ana M Martinez

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

NPN 561303 Licensed 2000

Ana Maria Iragorri

Life Including Variable Annuity & Health

NPN 21074514 Licensed 2024

Anaysa Albanes

Life Including Variable Annuity & Health

NPN 18616522 Licensed 2017

Andres Joaquin Baquero

Life Including Variable Annuity & Health

NPN 21273668 Licensed 2024

Annete Deana Herman

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

NPN 7392817 Licensed 2000

Annette Falla

Life Including Variable Annuity & Health

NPN 589864 Licensed 2019

Annie Martinez

Life Including Variable Annuity & Health

NPN 22124995 Licensed 2026

Antonio V Riva

Life Including Variable Annuity & Health

NPN 598954 Licensed 1996

Armelle Caroline Petiau

Life Including Variable Annuity & Health

NPN 19799115 Licensed 2026

Ashley Dolores Canasi

Life Including Variable Annuity & Health

NPN 20046334 Licensed 2021

Barbara Tabares

Life Including Variable Annuity & Health

NPN 508316 Licensed 1995

Bennett Arcilla Thelmo

Life Including Variable Annuity & Health

NPN 19093016 Licensed 2019

Beverly Bandlow Curmanskie

Life Including Variable Annuity & Health

NPN 498237 Licensed 1982

Bo Zhou

Life Including Variable Annuity & Health

NPN 19381338 Licensed 2019

Caitlin Dennis

Life Including Variable Annuity & Health

NPN 21372324 Licensed 2024

View all 156 licensed critical illness producers in Palmetto Bay →

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 Palmetto Bay regional market. Rates are localized using regional health baselines.

Official Palmetto Bay Resources

County Miami Dade County

Population ~24,267

Lack of insurance (18–64) 22.4%

FIPS code 1254275

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 Palmetto Bay rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

3.9 27 reviews

Photos by M M , Herve Andrieu , Giuliana Hernandez , Sensei David Miranda Jr. via Google Maps

View on Google Maps

Village of Palmetto Bay

Open now · Mon 8:30 AM – 4:00 PM

(305) 259-1234

palmettobay-fl.gov .GOV

9705 Hibiscus St, Palmetto Bay, FL 33157, USA

Recent Reviews

Henry Hernandez ★★★★★

"Without a doubt, Idalmis deserves a five-star review! From the moment I walked in, her attention was impeccable. Her professionalism and kindness stood out in every interaction, making my experience t…"

Jenny Rivera ★★★★★

"10/10 experience! Idalmy assisted me in getting my son's passport and guided me through the process from beginning to end. Receptionist was very helpful as well. I would definitely recommend coming he…"

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

Your info is secure · Never shared · June responds within 30 min

✅

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.

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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 Palmetto Bay

More Insurance Options in Palmetto Bay, 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.

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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.

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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 Palmetto Bay, FL

Palmetto Bay, FL — Your Local Producer

Licensed Critical Illness Producers in Palmetto Bay

🏥 Critical Illness Insurance Underwriting Scope

🏛️ Official Palmetto Bay 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 Palmetto Bay, 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 Palmetto Bay Resources