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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Final Expense Insurance in Destin, FL

Coverage from $5,000 to $50,000. Premiums never increase.

Final expense insurance for Destin, 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 · 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 Final Expense 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 final expense 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.

Final Expense Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Final Expense 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 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

How much burial coverage do you need?

$5K

$10K

$15K

$20K

$25K

$35K

What matters most to you?

Funeral Costs

Medical Bills

Both

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Yes

Have you been diagnosed with or treated for cancer, heart disease, stroke, COPD, or organ failure?

Yes

Have you been hospitalized in the past 2 years (other than for routine procedures)?

Yes

Do you currently use a wheelchair, oxygen, or receive home health care?

Yes

Have you been diagnosed with diabetes requiring insulin?

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

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.

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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.

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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 Destin

More Insurance Options in Destin, FL

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

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

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.

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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

Read the Full Final Expense 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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Final Expense Insurance in Destin, FL

Destin, FL — Your Local Producer

Licensed Final Expense Producers in Destin

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Destin Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Qualify — No Exam Required

Quote Request Received!

Final Expense Options

Preferred Plan

Standard Plan

Guaranteed Issue Plan

Everything You Need to Know About Final Expense Insurance

What Is Final Expense Insurance?

How Much Does a Funeral Cost in Florida?

Guaranteed Issue vs. Simplified Issue

Irrevocable Burial Trusts & Medicaid

Who Should Get Final Expense?

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

Final Expense Insurance FAQ

How much does final expense cost?

Is a medical exam required?

What does it cover?

What's the graded benefit?

Can I get coverage at age 80?

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Talk to a real person. Today.

Final Expense Insurance Underwriting Scope

Official Destin Resources