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Home›Florida›Nassau County›Fernandina Beach›Critical Illness Insurance

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

Critical Illness Insurance in Fernandina Beach, FL

June Williams — supplemental health specialist. Option A & B plans.

Critical illness insurance for Fernandina Beach, 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 · Fernandina Beach, FL

Fernandina Beach, FL — Your Local Producer

For my neighbors in Fernandina Beach, enjoying our unique island life is what it's all about. From the historic downtown to the beautiful coastline, we have so much to protect. I'm June Marcia Williams, a licensed insurance producer right here in Florida, and I'm dedicated to helping you secure that peace of mind. Whether you're considering Term Life, Final Expense, or supplemental health plans like Critical Illness or Accident & Injury, I can help you navigate your options. My goal is to understand your needs and find a personalized solution for your family's financial future. (NPN: 17209549, Florida License No: W840529)

  • Fort Clinch State Park
  • Amelia Island Lighthouse
  • Centre Street
NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Fernandina Beach

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

AB
Adam Peter Bessette
Life Including Variable Annuity & Health
NPN 2111423 Licensed 2026
AM
Adam Robert Macdougall
Life Including Variable Annuity & Health
NPN 21344883 Licensed 2024
AB
Alan Edward Boyer
Life Including Variable Annuity & Health
NPN 8492579 Licensed 2009
AW
Alicia Marie Woodham
Life Including Variable Annuity & Health
NPN 17784680 Licensed 2015
AH
Allison M Hofmann
Life Including Variable Annuity & Health
NPN 7382038 Licensed 2019
AW
Amanda Weimar
Life Including Variable Annuity & Health
NPN 20038833 Licensed 2021
AT
Amelia Anne Tackett
Life Including Variable Annuity & Health
NPN 21025127 Licensed 2024
AS
Amelia Son
Life Including Variable Annuity & Health
NPN 20298952 Licensed 2022
AH
Amy Hoppe
Life Including Variable Annuity & Health
NPN 19285697 Licensed 2019
AR
Amy Lee Ryan
Life Including Variable Annuity & Health
NPN 7890292 Licensed 2011
AN
Andrew Sameul Newton
Life Including Variable Annuity & Health
NPN 20113696 Licensed 2023
AC
Anna Cannata
Life Including Variable Annuity & Health
NPN 20873458 Licensed 2023
AT
Ashley Thomas
Life Including Variable Annuity & Health
NPN 21621892 Licensed 2025
AJ
Audrey Louise Jones
Life Including Variable Annuity & Health
NPN 8549316 Licensed 2006
BB
Barbara M Broyles
Life Including Variable Annuity & Health
NPN 19582343 Licensed 2020
BH
Benjamin Shane Hoots
Life Including Variable Annuity & Health
NPN 20383948 Licensed 2022
BB
Billy T Bush
Life Including Variable Annuity & Health
NPN 7005580 Licensed 2026
BO
Brandi O'Brien
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 17864548 Licensed 2022
BH
Brandon Keith Hall
Life Including Variable Annuity & Health
NPN 17405179 Licensed 2014
BT
Brendan Matthew Twiggs
Life Including Variable Annuity & Health
NPN 21475024 Licensed 2025
BW
Brian Christopher Weepie
Life Including Variable Annuity & Health
NPN 21020518 Licensed 2023
BH
Brian Henning
Life Including Variable Annuity & Health
NPN 16944110 Licensed 2013
BB
Brian Todd Burnum
Life Including Variable Annuity & Health
NPN 20411262 Licensed 2022
BB
Brianna Corin Bango-Sanchez
Life Including Variable Annuity & Health
NPN 20141070 Licensed 2021
View all 207 licensed critical illness producers in Fernandina Beach →

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 Fernandina Beach regional market. Rates are localized using regional health baselines.

Official Fernandina Beach Resources

County Nassau County
Population ~13,028
Lack of insurance (18–64) 7.3%
FIPS code 1222175

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 Fernandina Beach rates. Start your quote request below.

FL OIR .GOV Nassau County Gov Portal .GOV
Google Maps
3.5 8 reviews
Fernandina Beach City Hall photo 1Fernandina Beach City Hall photo 2
Photos by God's Love , Patriot The Penguin (Bottlesgonewild) via Google Maps
View on Google Maps
Fernandina Beach City Hall
Open now · Mon 8:00 AM – 5:00 PM
(904) 310-3100
fbfl.us
204 Ash St, Fernandina Beach, FL 32034, USA
Recent Reviews
God's Love ★☆☆☆☆
"It's heartbreaking to witness the slow demise of Fernandina Beach, Florida's downtown neighborhoods. Once vibrant with worker homes and local residents, these areas are being replaced by vacation home…"
claire vauzanges ★★★★★
"Banks are audited once a year, but it is rare for small cities to scrutinize their money handling. More often than not, their finances should be examined annually for waste, fraud, and "loose" accoun…"
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

✅

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.

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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
📖 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.

💲

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.

🎗️

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.

💎

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.

⚕️

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.

⚖️

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 Fernandina Beach

More Insurance Options in Fernandina Beach, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense
Insurance Resources

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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

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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.

🏥

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.

🔄

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.

❤️

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

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View Amelia Island Coverage

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Nassau Village-Ratliff Financial Security

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The Hampton Legacy Plan

Dedicated Critical Illness coverage page for Hampton with local agent support.

View Hampton Coverage

Lawtey Coverage Guide

Personalized Critical Illness quotes for Lawtey residents — no obligation.

View Lawtey Coverage

Starke Wealth Strategy

Compare Critical Illness rates from licensed carriers serving Starke.

View Starke Coverage

Lake Butler Life Protection

Personalized Critical Illness quotes for Lake Butler residents — no obligation.

View Lake Butler Coverage

Raiford Coverage Guide

Critical Illness protection tailored to Raiford families and businesses.

View Raiford Coverage

Worthington Spri Financial Security

Personalized Critical Illness quotes for Worthington Spri residents — no obligation.

View Worthington Spri Coverage

Worthington Springs Coverage Guide

Compare Critical Illness rates from licensed carriers serving Worthington Springs.

View Worthington Springs Coverage
Read the Full Critical Illness Consumer Guide →

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

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