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Home›Florida›Okaloosa County›Cinco Bayou

June Marcia Williams — Licensed Insurance Agent in Cinco Bayou, FL
June Marcia Williams
Your Insurance Agent in Cinco Bayou, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Cinco Bayou, FL...
National Producer No.
17209549
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Life Insurance in Cinco Bayou, FL

Your Local FL Advocate for Simplified-Issue & Fully-Underwritten Policies

Get Customized Coverage in Cinco Bayou Without the Complexity

Your local licensed agent in Cinco Bayou, Okaloosa County. 9 product lines. 12 years of experience. One call away.

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

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
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⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Cinco Bayou, FL

Cinco Bayou, FL — Your Local Producer

Hello, Cinco Bayou! I understand that life here in our beautiful corner of Okaloosa County is something special, defined by our unique waterfront community. As your neighbor, I believe that protecting your family's future is one of the most important things you can do. My name is June Marcia Williams, and as a licensed Florida insurance producer, I'm here to help you navigate your options. I specialize in personal plans like Term and Whole Life, Final Expense, and Critical Illness coverage, helping you find a strategy that fits your life. (NPN: 17209549, Florida License No: W840529)

  • Cinco Bayou Town Hall
  • Cinco Bayou Town Park
  • Kenwood Elementary School
NPN17209549FL LicenseW840529

Cinco Bayou is home to approximately 741 residents in Okaloosa County, with a median age of 34.9 and a median household income of $76,100. About 52% of homes are owner-occupied; the median home value is $297,000. 39% of adults hold a bachelor's degree or higher; households with children make up 22%; veterans comprise 17% of residents. Average household size is 2.3. These demographic markers shape which life insurance products fit Cinco Bayou households.

How Cinco Bayou compares to Okaloosa County

OKALOOSA COUNTY · 212K RESIDENTS CINCO BAYOU · 741 RESIDENTS
Okaloosa County vs Cinco Bayou — population comparison Okaloosa County: 212,021 residents. Cinco Bayou: 741 residents, 0.3% of Okaloosa County population.
212,021 OKALOOSA COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
741 CINCO BAYOU RESIDENTS ↳ 0.3% of Okaloosa County residents
Underwriting Guidelines

How does current cigarette smoking impact life insurance underwriting in Cinco Bayou, FL?

Coverage is widely available. Cinco Bayou sits within Okaloosa County (population ~212,000, 11.7% uninsured), where 14.2% of adults have current cigarette smoking alongside 35.9% with high cholesterol per current CDC PLACES data. Independent agents match applicants to carriers whose underwriting guidelines treat each clinical profile most favorably.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Laurel Hill →

📊 Top Health Considerations (CDC)

Top Health Considerations for Cinco Bayou (CITY) High cholesterol: 35.9%. High blood pressure: 35.6%. Obesity: 32.1%. Diagnosed diabetes: 12.5%. Current cigarette smoking: 14.2%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CINCO BAYOU High cholesterol 35.9% High blood pressure 35.6% Obesity 32.1% Diagnosed diabetes 12.5% Current cigarette smoking 14.2% Data sourced directly from the CDC PLACES Dataset.

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

Okaloosa County Gov Portal .GOV
Population ~741
Lack of health insurance (18–64) 13.0%

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

FIPS code 1212325
Google Maps
5.0 3 reviews
Cinco Bayou Town Office photo 1
Photos by 8 - A via Google Maps
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Cinco Bayou Town Office
Open now · Mon 9:00 AM – 5:00 PM
(850) 833-3405
cincobayou.com
10 Yacht Club Dr, Fort Walton Beach, FL 32548, USA
Recent Reviews
Rosario Magdua ★★★★★
"The dock is perfect for wedding venue and the building inside had enough space for reception party. The outside patio is beautiful. Rental fee is very affordable and Manager Keith is very nice to let…"
8 - A ★★★★★
"Clean, well kept park located at/near the town office. Plenty of picnic tables and shaded areas and pretty calm place overall. Excellent location for a relaxing picnic."
Available in Cinco Bayou

Life Insurance Products in Cinco Bayou, FL

9 insurance products available in Cinco Bayou

🛡️ Life Insurance

Term Life

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

View Term Life 💎 Life Insurance

Whole Life

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

View Whole Life 📈 Life Insurance

Universal Life

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

View Universal Life 🏥 Supplemental Health

Critical Illness

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

View Critical Illness 🏨 Supplemental Health

Hospital Indemnity

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

View Hospital Indemnity ⚡ Supplemental Health

Accident & Injury

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

View Accident & Injury 🏢 Business

Business Life

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

View Business Life 🔑 Specialized

Special Situations

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

View Special Situations 🕊️ Life Insurance

Final Expense

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

View Final Expense
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Life Insurance in Okaloosa County and Nearby Florida Counties

Life Insurance by City Near Cinco Bayou, FL

1,367 licensed producers on public record in Okaloosa County.

🌟 Cities Served near Cinco Bayou

30 Cities · 3 Counties
Santa Rosa County10
AllentownAvalonEast MiltonGulf BreezeJayMiltonNavarrePaceTiger PointWoodlawn Beach
Okaloosa CountyHome10
BakerCrestviewDestinFort Walton BeachHoltHurlburt FieldLaurel HillMary EstherNicevilleValparaiso
Escambia County10
BellviewBrentCantonmentCenturyEnsleyMolinoPensacolaPensacola StationWalnut HillWest Pensacola
Official Resources

Know your rights in Cinco Bayou.

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

Cinco Bayou Life Insurance Questions

💰

How much does life insurance cost in Cinco Bayou?

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.

Cinco Bayou
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for applicants with pre-existing health conditions. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Cinco Bayou?

Yes. June serves all of Cinco Bayou and every municipality in Okaloosa 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.

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