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

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Term Life Insurance in Fernandina Beach, FL

June Williams — NPN 17209549. No-exam options up to $500K.

Term life insurance for Fernandina Beach, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — level premiums for 10, 20, or 30 years and tax-free death benefit, 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 Term Life Producers in Fernandina Beach

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

Adam Peter Bessette

Life Including Variable Annuity & Health

NPN 2111423 Licensed 2026

Adam Robert Macdougall

Life Including Variable Annuity & Health

NPN 21344883 Licensed 2024

Alan Edward Boyer

Life Including Variable Annuity & Health

NPN 8492579 Licensed 2009

Alicia Marie Woodham

Life Including Variable Annuity & Health

NPN 17784680 Licensed 2015

Allison M Hofmann

Life Including Variable Annuity & Health

NPN 7382038 Licensed 2019

Amanda Weimar

Life Including Variable Annuity & Health

NPN 20038833 Licensed 2021

Amelia Anne Tackett

Life Including Variable Annuity & Health

NPN 21025127 Licensed 2024

Amelia Son

Life Including Variable Annuity & Health

NPN 20298952 Licensed 2022

Amy Hoppe

Life Including Variable Annuity & Health

NPN 19285697 Licensed 2019

Amy Lee Ryan

Life Including Variable Annuity & Health

NPN 7890292 Licensed 2011

Andrew Sameul Newton

Life Including Variable Annuity & Health

NPN 20113696 Licensed 2023

Anna Cannata

Life Including Variable Annuity & Health

NPN 20873458 Licensed 2023

Ashley Thomas

Life Including Variable Annuity & Health

NPN 21621892 Licensed 2025

Audrey Louise Jones

Life Including Variable Annuity & Health

NPN 8549316 Licensed 2006

Barbara M Broyles

Life Including Variable Annuity & Health

NPN 19582343 Licensed 2020

Benjamin Shane Hoots

Life Including Variable Annuity & Health

NPN 20383948 Licensed 2022

Billy T Bush

Life Including Variable Annuity & Health

NPN 7005580 Licensed 2026

Brandi O'Brien

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 17864548 Licensed 2022

Brandon Keith Hall

Life Including Variable Annuity & Health

NPN 17405179 Licensed 2014

Brendan Matthew Twiggs

Life Including Variable Annuity & Health

NPN 21475024 Licensed 2025

Brian Christopher Weepie

Life Including Variable Annuity & Health

NPN 21020518 Licensed 2023

Brian Henning

Life Including Variable Annuity & Health

NPN 16944110 Licensed 2013

Brian Todd Burnum

Life Including Variable Annuity & Health

NPN 20411262 Licensed 2022

Brianna Corin Bango-Sanchez

Life Including Variable Annuity & Health

NPN 20141070 Licensed 2021

View all 207 licensed term life 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.

Term Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Term Life 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

3.5 8 reviews

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 Term Life Guide →

Select your coverage below to see your price in seconds.

See If You Pre-Qualify in 60 Seconds

Fast, personalized quotes — no obligation — no medical exam up to $400K

How much coverage do you need?

$50K

$100K

$150K

$250K

$400K

$500K+

How long do you need coverage?

10 yr

15 yr

20 yr

25 yr

30 yr

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Never

Quit 5+ yrs

Quit 1-5 yrs

Current

Have you ever been treated for high blood pressure?

Yes

Have you ever been treated for high cholesterol?

Yes

Have you been diagnosed with or treated for diabetes?

Yes

Has a parent died before age 65 from heart disease or cancer?

Yes

Any DUI/DWI in the past 5 years?

Yes

First Name

Last Name

Phone

Zip Code

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

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

Compare Plans

Term Life Options

10-Year Term

Lowest monthly cost

Complete the quick form above to see your estimate

Level premium for 10 years
Issue ages 18-80
No exam up to $400K
Convertible to permanent
Renewable to age 100

Get Quote

20-Year Term

Best value for families

Complete the quick form above to see your estimate

Level premium for 20 years
Issue ages 18-65
No exam up to $400K
Convertible to permanent
Covers mortgage + college

Get Quote

30-Year Term

Maximum protection

Complete the quick form above to see your estimate

Level premium for 30 years
Issue ages 18-55
No exam up to $400K
Convertible to permanent
Locks rate til retirement

Get Quote

📖 Term Life Knowledge

Everything You Need to Know About Term Life Insurance

🛡️

What Is Term Life Insurance?

Term life is pure death benefit protection for a set period — 10, 20, or 30 years. If you die during the term, your beneficiaries receive a tax-free lump sum. If you outlive the term, the policy expires. No cash value, no investment component. It's the most affordable type of life insurance because you're only paying for the death benefit.

💲

How Much Does Term Life Cost?

A healthy 30-year-old can get a $500,000 20-year term policy for under $25/month. Rates depend on age, health, tobacco use, coverage amount, and term length. Shorter terms cost less. Women typically pay less than men. Life insurance premiums paid by the policyowner are not subject to a state sales tax in any U.S. state.

🔄

Can I Convert to Permanent Later?

Most quality carriers include a conversion privilege — the right to convert your term policy to whole life or universal life without a new medical exam. This is critical: if your health changes during the term, conversion lets you keep coverage. June only recommends carriers with strong conversion options.

📊

How Much Coverage Do I Need?

The DIME method: Debt + Income replacement + Mortgage + Education. Add up what your family needs if you're gone. A common shortcut: 10-12× your annual income. A family earning $75K needs roughly $750K-$900K. June provides a free needs analysis to find your exact number.

🏥

Do I Need a Medical Exam?

Traditional fully-underwritten term life requires a brief paramedical exam (blood draw, blood pressure, height/weight) — this typically qualifies you for the lowest premiums. No-exam options exist through accelerated underwriting for coverage up to $500K, but premiums are 15-30% higher. June helps you decide which path makes sense for your situation.

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Florida Life Insurance Consumer Rights

Florida law provides a 14-day free-look period — return any policy within that window for a full refund (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing guaranteed and non-guaranteed values. Your agent must disclose all compensation. June operates under a fiduciary mindset: your needs first, always.

🎓 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

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

Term Life Insurance FAQ

💰

How much does term life cost in Fernandina Beach?

A healthy 35-year-old can get $500K coverage for around $28/month on a 20-year term. Rates vary by age, health, and coverage amount.

📅

What term lengths are available?

10-year, 20-year, and 30-year terms. Shorter terms cost less. Longer terms lock in your rate. June helps you find the right fit.

🔄

Can I convert to whole life later?

Most carriers offer conversion without a new medical exam. Valuable safety net if your health changes down the road.

🏥

Do I need a medical exam?

Traditional term life requires a brief exam for lower premiums. No-exam options available at slightly higher premiums for quick coverage.

📊

How much coverage do I need?

Guideline: 10-12x annual income. A family earning $60K/year needs $600K-$720K. June provides free needs analysis.

Nearby Term Life Coverage

Read the Full Term Life Consumer Guide →

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

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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

Term Life Insurance in Fernandina Beach, FL

Fernandina Beach, FL — Your Local Producer

Licensed Term Life Producers in Fernandina Beach

🛡️ Term Life Insurance Underwriting Scope

🏛️ Official Fernandina Beach Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Pre-Qualify in 60 Seconds

Quote Request Received!

Term Life Options

10-Year Term

20-Year Term

30-Year Term

Everything You Need to Know About Term Life Insurance

What Is Term Life Insurance?

How Much Does Term Life Cost?

Can I Convert to Permanent Later?

How Much Coverage Do I Need?

Do I Need a Medical Exam?

Florida Life Insurance Consumer Rights

More Insurance Options in Fernandina Beach, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Term Life Insurance FAQ

How much does term life cost in Fernandina Beach?

What term lengths are available?

Can I convert to whole life later?

Do I need a medical exam?

How much coverage do I need?

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Talk to a real person. Today.

Term Life Insurance Underwriting Scope

Official Fernandina Beach Resources