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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Special Situations Insurance in Palmetto Bay, FL

Guaranteed issue, graded benefit, and ITIN-eligible coverage.

Special-situation life insurance for Palmetto Bay, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — coverage paths for diabetes, heart conditions, and prior diagnoses, 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 Special Situations 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 special situations 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.

Special Situations Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Special Situations 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 Special Situations Guide →

Select your coverage below to see your price in seconds.

Tell Us About Your Situation

Judgment-free coverage for unique health or lifestyle needs — no obligation — let June find your best match

What best describes your situation?

❌ Previously Declined

🏥 Pre-Existing Condition

👴 Senior (65+)

⚠️ High-Risk Occupation

🌍 Foreign National / Visa

🚬 Tobacco / Cannabis Use

🚗 DUI / Driving History

❓ Other / Not Sure

✅

We can help with your situation!

June specializes in hard-to-place cases — pre-existing conditions, prior declines, high-risk occupations, and more. Enter your contact info so she can review your situation personally.

Your Name

Phone Number

Email Address

Brief description of your situation (optional)

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

Confidential · Never shared · June responds within 30 min

✅

Review Request Sent!

June will review your situation and 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

Special Situations Options

Most Common

Health Challenges

Pre-existing conditions & declines

Diabetes, heart disease, cancer history
Table-rated underwriting (A-H)
Guaranteed issue (no health questions)
Graded benefit whole life
Multiple carriers = more options

Get Quote

Age & Lifestyle

Seniors, tobacco, DUI history

Issue ages up to 85 (final expense)
Tobacco/cannabis classes available
DUI: eligible after 5 years (most carriers)
Simplified issue — no exam
No-lapse guaranteed coverage

Get Quote

Non-Standard Risks

Foreign nationals, hazardous jobs

Green card + select visa holders
Hazardous occupations evaluated
Aviation exclusion riders
Foreign travel considerations
ITIN program eligible

Get Quote

📖 Special Situations Knowledge

Coverage Options for Pre-Existing Conditions & Special Cases

🚫

Why People Get Declined

Common reasons: diabetes, heart disease, cancer history, obesity, mental health conditions, DUI, hazardous occupation, or tobacco use. But a decline from one carrier doesn't mean no coverage. Different carriers have different underwriting guidelines — what's a decline at Company A might be standard at Company B. June shops across 7 carriers to find your best option.

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Table Ratings Explained

Table ratings (A through H) are premium surcharges for applicants who don't qualify for standard rates. Table A = 25% above standard, Table H = 200% above standard. Each table adds approximately 25%. This sounds expensive, but table-rated coverage is still real coverage — and it's infinitely better than no coverage. Many conditions that were Table D five years ago are now Standard.

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Guaranteed Issue: No Questions Asked

Guaranteed issue means exactly what it sounds like — you cannot be declined. No health questions, no medical exam, no blood work. The tradeoff: coverage amounts are lower ($5K-$50K typically) and there's usually a 2-3 year graded benefit period. After the waiting period, full death benefit applies. For people who've been declined everywhere else, this is the safety net.

🌍

Foreign Nationals & Visa Holders

Coverage available for Green Card holders and select visa types (E-1, E-2, H-1B, L-1, and their dependents). Requirements: valid immigration docs, 12+ months US residency, $20K+ annual income from US sources. Some carriers also accept ITIN candidates. Living benefit riders (chronic/critical illness) available to permanent residents. June navigates the immigration + insurance intersection.

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Tobacco, Cannabis & Substance Use

Tobacco users pay higher premiums but are absolutely insurable. Most carriers have separate tobacco rate classes. Cannabis: Several of our carrier partners treat occasional marijuana use as non-tobacco if no other tobacco products are used. Substance abuse history: Generally requires 3-5 years clean with no treatment. Each carrier evaluates differently — June knows which ones are most lenient.

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Florida Consumer Protections

Florida law prohibits unfair discrimination in life insurance underwriting — decisions must be based on actuarial data, not arbitrary factors. All policies include a 14-day free-look period (Fla. Stat. § 627.4554). Guaranteed issue policies cannot impose pre-existing condition exclusions beyond the graded benefit period stated in the policy. June advocates for your right to coverage under Florida insurance regulations.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. 7 carriers, 33 products.

Life Insurance in Palmetto Bay

More Insurance Options in Palmetto Bay, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🕊️ 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

Special Situations FAQ

🚫

I was declined — can I still get coverage?

Almost certainly yes. A decline from one carrier doesn't mean uninsurable. June works with 7 carriers with different guidelines. Guaranteed issue options exist where no one is turned away.

🏥

Can I get coverage with diabetes?

Yes. Well-controlled diabetes (Type 1 or 2) can often qualify for table-rated coverage. Some carriers are more favorable than others. June matches your specific health profile to the most lenient underwriter.

👴

Is there coverage for people over 80?

Yes. Final expense and guaranteed issue products are available up to age 85. No medical exam required. Coverage amounts typically $5,000-$35,000 with level premiums for life.

🚗

Can I get coverage with a DUI on my record?

Yes, typically after 5 years. Most carriers require no DUI or reckless driving in the past 5 years for standard rates. Some offer coverage sooner at table ratings. June knows which carriers are most flexible.

🌍

Can non-US citizens get life insurance?

Yes. Green card holders and select visa types (E, H-1B, L-1) are eligible. Requirements include valid docs, 12+ months US residency, and US-based income. ITIN candidates may also qualify.

Nearby Special Situations Coverage

Read the Full Special Situations 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

Special Situations Insurance in Palmetto Bay, FL

Palmetto Bay, FL — Your Local Producer

Licensed Special Situations Producers in Palmetto Bay

🔑 Special Situations Insurance Underwriting Scope

🏛️ Official Palmetto Bay Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Tell Us About Your Situation

Review Request Sent!

Special Situations Options

Health Challenges

Age & Lifestyle

Non-Standard Risks

Coverage Options for Pre-Existing Conditions & Special Cases

Why People Get Declined

Table Ratings Explained

Guaranteed Issue: No Questions Asked

Foreign Nationals & Visa Holders

Tobacco, Cannabis & Substance Use

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

Special Situations FAQ

I was declined — can I still get coverage?

Can I get coverage with diabetes?

Is there coverage for people over 80?

Can I get coverage with a DUI on my record?

Can non-US citizens get life insurance?

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Talk to a real person. Today.

Special Situations Insurance Underwriting Scope

Official Palmetto Bay Resources