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Home›Florida›Monroe County›Ocean Reef

June Marcia Williams — Licensed Insurance Agent in Ocean Reef, FL
June Marcia Williams
Your Insurance Agent in Ocean Reef, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Ocean Reef, FL...
National Producer No.
17209549
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Secure Your Family's Future | Custom Life Insurance in Ocean Reef

Dedicated Coverage Options from Final Expense to Term Life in Monroe County

The Smart Choice for Dependable Life Insurance in Ocean Reef, FL

Your local licensed agent in Ocean Reef, Monroe County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Ocean Reef, Monroe County, Florida residents — fully-underwritten, simplified-issue, and final-expense products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
🛡️ Get Your Quote 📅 Schedule a Call
🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Ocean Reef, FL

Ocean Reef, FL — Your Local Producer

For those of us who cherish the unique and private lifestyle of Ocean Reef, protecting our families and futures is paramount. As a licensed Florida insurance producer, I am dedicated to serving my Monroe County neighbors with personalized guidance for a range of life and health insurance options. From Term and Whole Life to more specific plans like Final Expense or Critical Illness coverage, I take the time to understand your individual needs. My goal is to help you navigate your choices with confidence, ensuring you have a strategy in place for life's uncertainties. I'm June Marcia Williams (NPN: 17209549; Florida License No: W840529).

  • Ocean Reef Club Airport (07FA)
  • Buccaneer Island
  • Card Sound Road
NPN17209549FL LicenseW840529
Underwriting Guidelines

How does obesity impact life insurance underwriting in Ocean Reef, FL?

Coverage is widely available. Ocean Reef sits within Monroe County (population ~81,000, 13.5% uninsured), where 25.8% of adults have obesity alongside 20.6% with arthritis per current CDC PLACES data. Independent agents match applicants to carriers whose underwriting guidelines treat each clinical profile most favorably.

Our underwriting team matches Ocean Reef families directly with the carriers who look most favorably on these specific health markers, eliminating the guesswork. View insurance in nearby Big Pine Key →

📊 Top Health Considerations (CDC)

Tier projection blends county-level prevalence with carrier underwriting bands. Higher prevalence shifts more of each bar into Standard and Rated/Watch segments. Use as a county baseline, not an individual underwriting outcome.

Preferred Range
Standard
Rated / Watch

Official City Resources

Monroe County Gov Portal .GOV
Population Data Pending
Lack of health insurance (18–64) Data Pending

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

FIPS code N/A
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Available in Ocean Reef

Your coverage options.

Life insurance, supplemental health, and business protection — all from one licensed agent.

🛡️ Life Insurance

Term Life

Level-premium protection for 10, 20, or 30 years. Designed to cover mortgages, income replacement, and family obligations.

Lock My Term Rate 💎 Life Insurance

Whole Life

Permanent coverage with guaranteed cash value accumulation. Lifetime protection that doubles as a financial asset.

Build My Legacy Plan 📈 Life Insurance

Universal Life

Flexible premiums with index-linked growth potential. Adjustable coverage that adapts to your financial goals over time.

Grow My Wealth Tax-Free 🏥 Supplemental Health

Critical Illness

Lump-sum benefit upon diagnosis of a covered condition — cancer, heart attack, stroke, and more. Use it however you need.

Secure Illness Cash 🏨 Supplemental Health

Hospital Indemnity

Daily cash benefit for hospital stays, regardless of other insurance. Covers deductibles, lost wages, and out-of-pocket costs.

Get Hospital Cash Coverage ⚡ Supplemental Health

Accident & Injury

Cash benefits for accidents — fractures, dislocations, burns, emergency transport. Pays on top of your existing health plan.

Lock In Accident Protection 🏢 Business

Business Life

Key person, buy-sell funding, and executive benefits. Protect your business from the financial impact of losing a critical contributor.

Protect My Business 🔑 Specialized

Special Situations

Pre-existing conditions, no-exam options, marijuana users, high-risk applicants. Coverage solutions when standard plans say no.

Find My Coverage Solution 🕊️ Life Insurance

Final Expense

Covers funeral, burial, cremation, and end-of-life costs. No medical exam. Ages 50–85. Premiums never increase.

Secure Final Expense Coverage
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Coverage Across Monroe County and Neighboring Florida Counties

Cities served near Ocean Reef.

June Marcia Williams writes life insurance and supplemental health policies across Monroe County and adjacent Florida counties — all within the same Florida regulatory framework.

🌟 Cities Served near Ocean Reef

30 Cities · 3 Counties
Palm Beach County10
Boynton BeachCanal PointGreenacresLake WorthLake Worth BeachPalm Beach GardePalm Beach GardensPalm SpringsPlantation Mobile Home ParkSan Castle
Monroe CountyHome10
Duck KeyIslamorada, Village of IslandsKey Colony BeachKey LargoKey WestMarathonNorth Key LargoStock IslandSummerland KeyTavernier
Miami Dade County10
Country ClubHialeahIves EstatesKendale LakesMiami BeachMiami GardensThe CrossingsThe HammocksWest Little RiverWest Miami
Official Resources

Know your rights in Ocean Reef.

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law.

Visit floir.gov →.GOV

Verify Agent License (NIPR)

Look up June's NPN (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides on choosing life insurance, understanding policy types, and filing complaints.

Visit naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for and your federal protections.

Visit ftc.gov →.GOV
Frequently Asked Questions

Ocean Reef insurance — answered.

💰

How much does life insurance cost in Ocean Reef?

Rates vary based on age, health, coverage amount, and policy type. Term life is generally the most affordable. A licensed agent can compare carriers for your specific situation.

Ocean Reef
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage — all from one licensed agent.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for diabetes, high blood pressure, heart disease, and cancer history. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Ocean Reef?

Yes. June serves all of Ocean Reef and every municipality in Monroe County. Licensed in five states: NJ, PA, FL, MD, and VA.

Full Coverage
🏥

What is critical illness insurance?

Pays a lump-sum cash benefit upon diagnosis of cancer, heart attack, stroke, or organ failure. Supplements health insurance by covering deductibles, lost wages, and non-medical expenses.

Critical Illness
✅

How do I verify June's FL license?

Verify through FL OIR at floir.gov or NIPR at nipr.com. June Marcia Williams — NPN 17209549, FL License #W840529.

Verified
Nearby Cities

Coverage continues next door.

← Previous North Key Largo Monroe County, FL 10 products available
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Licensed in 5 states NPN verified No obligation
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