June Marcia Williams

Your Insurance Agent in Destin, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Destin, FL...

National Producer No.

17209549

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Accident & Injury Insurance in Destin, FL

Two coverage levels. AD&D up to $150K. No health questions.

Accident and injury insurance for Destin, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — lump-sum payouts for covered accidents and injuries, 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 · Destin, FL

Destin, FL — Your Local Producer

Hello, Destin! As a fellow Floridian, I know that life here along the Emerald Coast is truly special. From the sugar-white sands to the vibrant community spirit of Okaloosa County, it's a wonderful place to build a life and raise a family. As a licensed insurance producer, my goal is to help my neighbors protect what matters most. I offer personalized guidance on a range of options, including Term Life, Final Expense, and other policies designed to provide peace of mind. If you're looking for a local professional to help you navigate your insurance choices, I'm here to help. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Destin Harbor Boardwalk
Henderson Beach State Park
Destin Commons

NPN17209549FL LicenseW840529

Licensed Accident & Injury Producers in Destin

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

Ada Law

Life Including Variable Annuity & Health

NPN 20638298 Licensed 2023

Adam Vafides

Life Including Variable Annuity & Health

NPN 16806912 Licensed 2024

Adeline Danielle St Romain

Life Including Variable Annuity & Health

NPN 18376309 Licensed 2017

Adrian Reichman

Life Including Variable Annuity & Health

NPN 21626876 Licensed 2025

Ainsley Omai Ferguson

Life Including Variable Annuity & Health

NPN 21782295 Licensed 2025

Alaine Laverne Willis

Life Including Variable Annuity & Health

NPN 20614054 Licensed 2023

Albert Leo Breithaupt

Life Including Variable Annuity & Health

NPN 619014 Licensed 1994

Alex R Astin

Life Including Variable Annuity & Health

NPN 18929844 Licensed 2018

Amber Dawn Bair

Life Including Variable Annuity & Health

NPN 9894197 Licensed 2007

Amie Mccarthy-Pace

Life Including Variable Annuity & Health

NPN 19653808 Licensed 2020

Amy Smith Parrish

Life Including Variable Annuity & Health

NPN 15822378 Licensed 2010

Ana Sandra Morales Rueda

Life Including Variable Annuity & Health

NPN 21519372 Licensed 2025

Andrew G Messina

Life Including Variable Annuity & Health

NPN 4751273 Licensed 2020

Andrew Ryan Matthew Braud

Life Including Variable Annuity & Health

NPN 21249086 Licensed 2024

Anna Casiadi

Life Including Variable Annuity & Health

NPN 20357583 Licensed 2022

Anna Schooley

Life Including Variable Annuity & Health

NPN 21550932 Licensed 2025

Antonio Sifuentes

Life Including Variable Annuity & Health

NPN 7075665 Licensed 2019

Ashley Margarita Casteel

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

NPN 18457630 Licensed 2025

Ashney Abigail Perry

Life Including Variable Annuity & Health

NPN 21248957 Licensed 2024

Benjamin Cornish

Life Including Variable Annuity & Health

NPN 20135423 Licensed 2021

Benjamin Welu

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

NPN 18726296 Licensed 2018

Bradley Cobble

Life Including Variable Annuity & Health

NPN 7344334 Licensed 2003

Brady Howard

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

NPN 17354115 Licensed 2024

Brance James Parker

Life Including Variable Annuity & Health

NPN 537503 Licensed 1995

View all 232 licensed accident & injury producers in Destin →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Accident & Injury Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Accident & Injury Insurance across the Destin regional market. Rates are localized using regional health baselines.

Official Destin Resources

County Okaloosa County

Population ~13,923

Lack of insurance (18–64) 9.2%

FIPS code 1217325

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 Destin rates. Start your quote request below.

FL OIR .GOV Okaloosa County Gov Portal .GOV

4.1 20 reviews

Photos by Ask eoa , Destin City Hall , Tammy Bowen , Ask eoa via Google Maps

View on Google Maps

Destin City Hall

Open now · Mon 8:00 AM – 5:00 PM

(850) 837-4242

cityofdestin.com

4200 Indian Bayou Trail, Destin, FL 32541, USA

Recent Reviews

Skyler K ★★★★★

"Receptionist was too sweet! She stayed past closing to hand me my parking passes, she even walked them out to me. I’m so grateful for such an awesome experience. Thank you!"

Amanda Kilichowski ★★★★☆

"Stopped here a while back for the locals discount for the state park. It was a bit confusing to acquire but I eventually got it all sorted out. The lady working at the front desk helped me out and mad…"

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 Accident & Injury Guide →

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Financial backup for life's unexpected bumps — no obligation — fast, personalized options

Select your coverage level

Level 1
$300/day hospital · $50K AD&D

Level 2
$500/day hospital · $150K AD&D

Who needs coverage?

Individual

+ Spouse

+ Children

Family

What type of accident?

Hospital

Fracture

Dislocation

Emergency

AD&D

Other

Select an accident type to see benefit amounts.

Your Name

Phone Number

Email Address

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

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✅

Consultation Request Sent!

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

Accident Insurance Options

Core Benefit

Hospital & Emergency

Daily cash when admitted

Hospital: $300-$500/day
ICU: $600-$1,000/day
ER services covered
Ambulance (ground + air)
Physician office visits

Get Quote

Specific Injuries

Scheduled benefit per injury

Fractures: up to $4,800
Dislocations: up to $4,000
Burns: up to $10,000
Lacerations, concussions
Pain management + dental

Get Quote

AD&D + Disability

Accidental death & dismemberment

AD&D: $50K-$150K
Common carrier: up to $300K
Dismemberment schedule
Paralysis coverage
Optional disability income

Get Quote

Important — what this coverage does not pay

This is limited benefit supplemental coverage. It is not major medical insurance, not comprehensive health coverage, and not a substitute for either. It does not meet minimum essential coverage requirements.

Benefits are paid only when the policy’s specific conditions are met. This policy contains exclusions, limitations, and reductions of benefits, and terms under which the policy may be continued in force or discontinued. Some benefits do not begin until a waiting period has passed. Losses caused by a health condition you had before your coverage start date may not be covered. Coverage of this type is guaranteed renewable; premium rates may change, but only for an entire class of policies, never for you individually.

For costs and complete details of the coverage, including the full list of exclusions and limitations, review the policy documents or contact us before applying.

📖 Accident & Injury Knowledge

Everything You Need to Know About Accident Insurance

🩹

What Is Accident Insurance?

Accident insurance pays cash benefits directly to you when you're injured in an accident — regardless of other insurance. It covers hospital stays, fractures, dislocations, ER visits, ambulance, physical therapy, and more. The money goes to you, not the hospital. Use it for copays, deductibles, rent, groceries — whatever you need while recovering.

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Hospital & ICU Benefits

If an accident puts you in the hospital, you receive $300-$500 per day for inpatient stays and $600-$1,000 per day for ICU — paid for up to 15 days per ICU confinement. These benefits are paid in addition to what health insurance covers. Even a 3-day hospital stay generates $900-$1,500 in cash benefits.

🦴

The Injury Benefit Schedule

Every covered injury has a specific dollar amount. Hip fracture: $2,400-$4,800. Knee dislocation: $1,500-$3,000. Burns over 36 sq inches: $5,000-$10,000. The schedule covers fractures (16 types), dislocations (9 types), lacerations, concussions, coma, and even emergency dental. No guesswork — you know exactly what you'll receive.

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AD&D: Accidental Death & Dismemberment

Built into every policy: $50,000-$150,000 for accidental death (adult), with enhanced benefits for common carrier accidents (planes, trains) up to double. Dismemberment benefits cover loss of limbs, sight, hearing, and speech. Children covered at 25% of adult benefit. This is real financial protection beyond just injury coverage.

💼

Optional Disability Income

Add a disability income rider for $500-$2,000/month if a covered accident prevents you from working. Off-the-job accidents and 24-hour short-term disability available for up to 12 months. Requires 27.5+ hours/week employment. This turns accident insurance into true income protection — not just medical gap coverage.

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Florida Consumer Protections

Accident insurance policies through our carriers are guaranteed renewable for life with level premiums. Florida requires a 14-day free-look period (Fla. Stat. § 627.4554). There's a 12-month pre-existing condition lookback for sickness-related riders only — the base accident plan has no health questions for covered accidents. Issue ages 18–69 for new policies.

🎓 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 Destin

More Insurance Options in Destin, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity 🏢 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

Accident & Injury Insurance FAQ

💰

How much does accident insurance pay?

Benefits are paid per incident: hospital stays ($300-$500/day), ICU ($600-$1,000/day), fractures (up to $4,800), plus ER, ambulance, and therapy. AD&D up to $150K.

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Does this work with my health insurance?

Yes. Accident insurance pays you directly — on top of whatever your health insurance covers. Use the cash for copays, deductibles, lost wages, or anything else.

👨‍👩‍👧

Can I cover my whole family?

Yes. Coverage options include Individual, Individual + Spouse, Individual + Children, and Family. All covered members receive the same benefit amounts for covered accidents.

🚗

Are car accidents covered?

Yes. Motor vehicle accidents are covered, including enhanced AD&D benefits for motorized vehicle or pedestrian death. All accidental injuries from car, motorcycle, and pedestrian accidents qualify.

📋

Is a medical exam required?

No medical exam for the base accident plan. The optional sickness disability rider may require health questions. Issue ages 18-69, guaranteed renewable for life.

Nearby Accident & Injury Coverage

Read the Full Accident & Injury Consumer Guide →

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

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Licensed in 5 states NPN verified No obligation

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Accident & Injury Insurance in Destin, FL

Destin, FL — Your Local Producer

Licensed Accident & Injury Producers in Destin

⚡ Accident & Injury Insurance Underwriting Scope

🏛️ Official Destin Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Check Your Coverage Options

Consultation Request Sent!

Accident Insurance Options

Hospital & Emergency

Specific Injuries

AD&D + Disability

Everything You Need to Know About Accident Insurance

What Is Accident Insurance?

Hospital & ICU Benefits

The Injury Benefit Schedule

AD&D: Accidental Death & Dismemberment

Optional Disability Income

Florida Consumer Protections

More Insurance Options in Destin, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Accident & Injury Insurance FAQ

How much does accident insurance pay?

Does this work with my health insurance?

Can I cover my whole family?

Are car accidents covered?

Is a medical exam required?

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Talk to a real person. Today.

Accident & Injury Insurance Underwriting Scope

Official Destin Resources