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Home›Florida›Nassau County›Fernandina Beach›Final Expense Insurance

June Marcia Williams — Licensed Final Expense 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 ↗

Final Expense Insurance in Fernandina Beach, FL

June Williams — simplified issue specialist. Same-day quotes.

Final expense insurance for Fernandina Beach, 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 · 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 Final Expense 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 final expense 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.

Final Expense Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Final Expense 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
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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
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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 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

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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 Fernandina Beach

More Insurance Options in Fernandina Beach, 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.

Nearby Final Expense Coverage

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The Amelia Island Legacy Plan

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Callahan Life Protection

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Hilliard Financial Security

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Nassau Village-Ratliff Financial Security

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View Nassau Village-Ratliff Coverage

Yulee Financial Security

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View Yulee Coverage

Brooker Life Protection

Compare Final Expense rates from licensed carriers serving Brooker.

View Brooker Coverage

The Hampton Legacy Plan

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

View Hampton Coverage

Lawtey Coverage Guide

Personalized Final Expense quotes for Lawtey residents — no obligation.

View Lawtey Coverage

Starke Wealth Strategy

Compare Final Expense rates from licensed carriers serving Starke.

View Starke Coverage

Lake Butler Life Protection

Personalized Final Expense quotes for Lake Butler residents — no obligation.

View Lake Butler Coverage

Raiford Coverage Guide

Final Expense protection tailored to Raiford families and businesses.

View Raiford Coverage

Worthington Spri Financial Security

Personalized Final Expense quotes for Worthington Spri residents — no obligation.

View Worthington Spri Coverage

Worthington Springs Coverage Guide

Compare Final Expense rates from licensed carriers serving Worthington Springs.

View Worthington Springs Coverage
Read the Full Final Expense Consumer Guide →

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

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