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Home›Florida›Miami Dade County›West Miami›Final Expense Insurance

June Marcia Williams — Licensed Final Expense Insurance Agent in West Miami, FL
June Marcia Williams
Your Insurance Agent in West Miami, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing West Miami, FL...
National Producer No.
17209549
Verify ↗

Final Expense Insurance in West Miami, FL

Irrevocable burial trusts, Medicaid-exempt assets, estate protection.

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

West Miami, FL — Your Local Producer

Hello to my neighbors in West Miami! I love the close-knit, family-oriented spirit of our community, a wonderful pocket within the vibrant energy of Miami-Dade County. As a licensed Florida insurance producer, my goal is to help you protect what you value most. I'm June Marcia Williams, and I specialize in personal insurance solutions like Term, Whole, and Universal Life, as well as Final Expense, Critical Illness, and Accident & Injury plans. I'm here to help you navigate your options with care and find a plan that fits your unique life. (NPN: 17209549, Florida License No: W840529)

  • City of West Miami City Hall
  • Cooper Park
  • Sylvania Heights Elementary School
NPN17209549FL LicenseW840529

Licensed Final Expense Producers in West Miami

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

AH
Aldo Alfonso Hasbun
Life Including Variable Annuity & Health
NPN 20516036 Licensed 2022
AS
Alexander L Soto
Life Including Variable Annuity & Health
NPN 18517104 Licensed 2017
AD
Alma Lazara Dosal
Life Including Variable Annuity & Health
NPN 3578475 Licensed 2014
AA
Amanda De Leon Alvarez
Life Including Variable Annuity & Health
NPN 20857807 Licensed 2023
AH
Antonio Garcia Herrero
Life Including Variable Annuity & Health
NPN 21224062 Licensed 2024
CD
Carolina Diaz
Life Including Variable Annuity & Health
NPN 20332806 Licensed 2022
EC
Elio Ernesto Chacin Camacho
Life Including Variable Annuity & Health
NPN 20553552 Licensed 2022
EM
Evelyn Rojas Melendez
Life Including Variable Annuity & Health
NPN 20877510 Licensed 2023
FL
Federico Laluz
Life Including Variable Annuity & Health
NPN 17436781 Licensed 2014
GS
Gabriel Salazar
Life Including Variable Annuity & Health
NPN 21719699 Licensed 2025
GR
George Francis Rescigno
Life Including Variable Annuity & Health
NPN 450692 Licensed 1987
GM
Gullermo Madrigal
Life Including Variable Annuity & Health
NPN 21328875 Licensed 2024
HC
Hansel Chacon
Life Including Variable Annuity & Health
NPN 16608629 Licensed 2012
IH
Ignacio A Herrero
Life Including Variable Annuity & Health
NPN 4120020 Licensed 2001
JD
Jerry Diaz
Life Including Variable Annuity & Health
NPN 20356500 Licensed 2022
JL
Julio Flavio Llerena
Life Including Variable Annuity & Health
NPN 21134040 Licensed 2024
KG
Korey C Gil
Life Including Variable Annuity & Health
NPN 21723703 Licensed 2025
LR
Leandro Esteban Guerrero Rey
Life Including Variable Annuity & Health
NPN 20475909 Licensed 2022
LA
Leticia Alvarez
Life Including Variable Annuity & Health
NPN 21061157 Licensed 2023
LL
Lino Lizier
Life Including Variable Annuity & Health
NPN 21768440 Licensed 2025
MR
Manuel Antonio Rodriguez
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20324414 Licensed 2022
ML
Marcos Lopez
Life Including Variable Annuity & Health
NPN 8088675 Licensed 2023
MA
Maria Laura De Leon Alvarez
Life Including Variable Annuity & Health
NPN 19664564 Licensed 2020
MM
Maria Patricia Mora
Life Including Variable Annuity & Health
NPN 18595757 Licensed 2017
View all 36 licensed final expense producers in West Miami →

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

Official West Miami Resources

County Miami Dade County
Population ~7,104
Lack of insurance (18–64) 31.4%
FIPS code 1276525

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 West Miami rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV
Google Maps
3.7 128 reviews
City of West Miami - City Hall photo 1City of West Miami - City Hall photo 2City of West Miami - City Hall photo 3
Photos by Rosa Z Astorga , Joao Elias , Standard Flight via Google Maps
View on Google Maps
City of West Miami - City Hall
Open now · Mon 8:30 AM – 4:30 PM
(305) 266-1122
cityofwestmiami.gov .GOV
901 SW 62nd Ave, West Miami, FL 33144, USA
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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

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.

✅

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.

🏦

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.

👴

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.

⚖️

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 West Miami

More Insurance Options in West Miami, FL

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

🏥

Is a medical exam required?

No. No medical exam, no blood work, no health interview. Eligibility determined at point of sale from application questions.

⚱️

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).

📋

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.

👴

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.

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Final Expense protection tailored to The Crossings families and businesses.

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Final Expense protection tailored to The Hammocks families and businesses.

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West Little River Coverage Guide

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Clewiston Coverage Guide

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Felda Financial Security

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Fort Denaud Coverage Guide

Final Expense protection tailored to Fort Denaud families and businesses.

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The Labelle Legacy Plan

Dedicated Final Expense coverage page for Labelle with local agent support.

View Labelle Coverage

Montura Wealth Strategy

Compare Final Expense rates from licensed carriers serving Montura.

View Montura Coverage

Pioneer Life Protection

Personalized Final Expense quotes for Pioneer residents — no obligation.

View Pioneer Coverage

Port LaBelle Financial Security

Final Expense protection tailored to Port LaBelle families and businesses.

View Port LaBelle Coverage

Big Pine Key Coverage Guide

Dedicated Final Expense coverage page for Big Pine Key with local agent support.

View Big Pine Key Coverage

The Duck Key Legacy Plan

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Islamorada, Village of Islands Coverage Guide

Dedicated Final Expense coverage page for Islamorada, Village of Islands with local agent support.

View Islamorada, Village of Islands Coverage

Key Colony Beach Coverage Guide

Personalized Final Expense quotes for Key Colony Beach residents — no obligation.

View Key Colony Beach Coverage

Key West Financial Security

Final Expense protection tailored to Key West families and businesses.

View Key West Coverage

Layton Financial Security

Final Expense protection tailored to Layton families and businesses.

View Layton Coverage

Marathon Coverage Guide

Personalized Final Expense quotes for Marathon residents — no obligation.

View Marathon Coverage

Stock Island Financial Security

Compare Final Expense rates from licensed carriers serving Stock Island.

View Stock Island Coverage

The Summerland Key Legacy Plan

Compare Final Expense rates from licensed carriers serving Summerland Key.

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Tavernier Wealth Strategy

Personalized Final Expense quotes for Tavernier residents — no obligation.

View Tavernier Coverage
Read the Full Final Expense Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

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