June Marcia Williams

Your Insurance Agent in Fort Walton Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fort Walton Beach, FL...

National Producer No.

17209549

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Hospital Indemnity Insurance in Fort Walton Beach, FL

Cover deductibles, copays, and lost wages during hospitalization.

Hospital indemnity insurance for Fort Walton Beach, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — fixed daily cash benefit for each day admitted to a hospital, 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 · Fort Walton Beach, FL

Fort Walton Beach, FL — Your Local Producer

Living here in Fort Walton Beach, we're lucky to enjoy the stunning beauty of the Emerald Coast and the strong community spirit that makes Okaloosa County so special. As your neighbor, I understand how important it is to protect the life you've built here. My name is June Marcia Williams, and I'm a licensed insurance producer dedicated to helping local families find the right coverage. I offer a range of personal insurance options, including Term Life, Whole Life, Final Expense, and Critical Illness policies. Let's talk about how I can help you secure your family's future. (NPN: 17209549, Florida License No: W840529)

The Landing Park
Fort Walton Beach High School
Miracle Strip Parkway (US-98)

NPN17209549FL LicenseW840529

Licensed Hospital Indemnity Producers in Fort Walton Beach

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

Aime Hernandez

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

NPN 19242710 Licensed 2019

Alaysia Danaigh Bailey

Life Including Variable Annuity & Health

NPN 21392245 Licensed 2024

Alexander Chad Hill

Life Including Variable Annuity & Health

NPN 21040181 Licensed 2024

Alexander David Riggenbach

Life Including Variable Annuity & Health

NPN 16223495 Licensed 2025

Alexander Ryan Pinney

Life Including Variable Annuity & Health

NPN 19437191 Licensed 2020

Alexandra M Sanchez Echagaray

Life Including Variable Annuity & Health

NPN 21355843 Licensed 2024

Alfred W Young

Life Including Variable Annuity & Health

NPN 9531113 Licensed 2016

Alisha Ann Hasty

Life Including Variable Annuity & Health

NPN Licensed 2020

Allen Beach Whitehurst

Life Including Variable Annuity & Health

NPN 250382 Licensed 1989

Allyson L Futrell

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

NPN 19697305 Licensed 2020

Amanda May Magee Odom

Life Including Variable Annuity & Health

NPN 21682466 Licensed 2025

Andrew Beck

Life Including Variable Annuity & Health

NPN 22193741 Licensed 2026

Andrew Crain

Life Including Variable Annuity & Health

NPN 20592643 Licensed 2023

Andrew Earl Jones

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

NPN 1202027 Licensed 2014

Angelina Jasmyne Lee

Life Including Variable Annuity & Health

NPN 21296811 Licensed 2024

Anita Louise Pizzolato

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

NPN 17030832 Licensed 2019

Ann Marie Poole

Life Including Variable Annuity & Health

NPN 17423531 Licensed 2025

Ann-Marie Godfrey

Life Including Variable Annuity & Health

NPN 20319822 Licensed 2022

Anthony Joseph Ryan

Life Including Variable Annuity & Health

NPN 1032675 Licensed 1998

Armondo Canales

Life Including Variable Annuity & Health

NPN 17935627 Licensed 2020

Baylor Rose

Life Including Variable Annuity & Health

NPN 21670161 Licensed 2025

Benjamin Tyrone Reese

Life Including Variable Annuity & Health

NPN 8948809 Licensed 2023

Bradley Ellis

Life Including Variable Annuity & Health

NPN 21634363 Licensed 2025

Brandon Michael Lewis

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

NPN 12047554 Licensed 2018

View all 287 licensed hospital indemnity producers in Fort Walton Beach →

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

Hospital Indemnity Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Hospital Indemnity Insurance across the Fort Walton Beach regional market. Rates are localized using regional health baselines.

Official Fort Walton Beach Resources

County Okaloosa County

Population ~20,919

Lack of insurance (18–64) 13.0%

FIPS code 1224475

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 Fort Walton Beach rates. Start your quote request below.

FL OIR .GOV Okaloosa County Gov Portal .GOV

3.8 13 reviews

Photos by ken jones , ken jones , Sam Feltus via Google Maps

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Fort Walton Beach City Hall

Open now · Mon 7:00 AM – 5:00 PM

(850) 833-9500

fwb.org

107 Miracle Strip Pkwy SW, Fort Walton Beach, FL 32548, USA

Recent Reviews

Bri Hewlett ★★☆☆☆

"Terrible customer service.. BTW They close at 11AM on fridays. I walked in the office at 10:50 to get service switched to my name.. Literally something I could have done on the phone but figured it wo…"

Melinda ★★★★★

"Very helpful with my permit and concerns of our generator installation that was canceled after purchasing my new home. Answered all my questions and went above and beyond! Thank you!!"

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 Hospital Indemnity Guide →

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Cash benefits for unexpected hospital stays — no obligation — quick & easy pre-qualification

Hospital confinement — daily benefit

$100

$200

$500

$1,100

ICU confinement — daily benefit

$200

$400

$750

$1,500

Who needs coverage?

Just Me

Me + Spouse

Family

✅

Your benefit selections are ready!

June will review your hospital & ICU benefit levels and match you with the best carrier for your coverage needs. Enter your contact info to get started.

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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

Hospital Indemnity Options

Core Benefit

Hospital Confinement

Daily cash for inpatient stays

$100-$1,100 per day
Paid from day 1 of admission
Any covered reason
No network restrictions
Paid directly to you

Get Quote

ICU Confinement

Enhanced daily rate for intensive care

$200-$1,500 per day
Paid in lieu of hospital rate
Critical care situations
No lifetime maximum
Guaranteed renewable

Get Quote

Optional Benefits

Skilled nursing + outpatient

Skilled nursing: $50-$550/day
Up to 14 days after 7-day elimination
Outpatient surgery: $50-$550
One surgery per year
Wellness visit: $75/year

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.

📖 Hospital Indemnity Knowledge

Everything You Need to Know About Hospital Indemnity Insurance

🏨

What Is Hospital Indemnity Insurance?

Hospital indemnity pays a fixed daily cash benefit for every day you're confined to a hospital — regardless of the reason. Accident, illness, planned surgery — it doesn't matter. The cash is paid directly to you, not the hospital. Use it for copays, deductibles, lost income, childcare, mortgage, or anything else while you recover.

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How Daily Benefits Work

You choose your daily benefit at enrollment: $100 to $1,100/day for hospital, $200 to $1,500/day for ICU. A 5-day hospital stay at $500/day = $2,500 cash. A 3-day ICU stay at $1,000/day = $3,000 cash. Benefits are paid per confinement with no annual or lifetime maximum on the number of stays.

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Hospital Indemnity vs. Health Insurance

Health insurance covers hospital bills. Hospital indemnity covers everything health insurance doesn't — your deductible (national average $1,787 for single coverage, KFF 2024), copays, out-of-network charges, transportation, childcare, and lost wages. Even with health insurance, out-of-pocket costs for a hospital stay in Florida can run $1,200–$3,500. Hospital indemnity fills the gap from day one.

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Skilled Nursing & Outpatient

Optional riders add skilled nursing facility benefits ($50-$550/day for up to 14 days after a 7-day elimination period) and outpatient surgery benefits ($50-$550 per procedure, one per year). The wellness visit rider pays $75/year for preventative care — a benefit that pays even if you're never hospitalized.

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Who Needs Hospital Indemnity?

Anyone with a high-deductible health plan (HDHP), an HSA, or Medicare. If your health insurance deductible is $1,000+, hospital indemnity fills the gap from day one. It's also ideal for self-employed workers who lose income during hospital stays, and families where one hospitalization could create a financial emergency.

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Florida Consumer Protections

Hospital indemnity policies through our carriers are guaranteed renewable with level premiums. Florida requires a 14-day free-look period (Fla. Stat. § 627.4554). Issue ages 18–85. Guaranteed issue available for qualified worksites. Simplified issue for individuals requires health questions. Medicaid may reduce benefits. Federal law (Social Security Act § 1882) requires uniform Medigap disclosure for applicants 65+.

🎓 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 Fort Walton Beach

More Insurance Options in Fort Walton Beach, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness ⚡ 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

Hospital Indemnity Insurance FAQ

💰

How much does hospital indemnity pay per day?

Hospital confinement benefits range from $100 to $1,100 per day. ICU benefits range from $200 to $1,500 per day. You choose your daily benefit amount at enrollment.

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Does it cover any reason for hospitalization?

Yes. Hospital indemnity pays for any covered hospitalization — accident, illness, or planned surgery. Pre-existing conditions have a 12-month lookback period.

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Can I use it with Medicare?

Yes. Hospital indemnity is a popular Medicare supplement. It helps cover Medicare Part A deductibles and copays. Issue ages up to 85. Federal law (Social Security Act § 1882) requires a uniform Medigap Outline of Coverage disclosure for all applicants age 65+.

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Is there a limit on how many times I can use it?

No annual or lifetime maximum on the number of hospital stays. Benefits are paid per confinement. The policy is guaranteed renewable for life with level premiums.

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Is a medical exam required?

No medical exam. Simplified issue requires health questions. Guaranteed issue available through qualified employer groups. Issue ages 18-85.

Nearby Hospital Indemnity Coverage

Read the Full Hospital Indemnity 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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Hospital Indemnity Insurance in Fort Walton Beach, FL

Fort Walton Beach, FL — Your Local Producer

Licensed Hospital Indemnity Producers in Fort Walton Beach

🏨 Hospital Indemnity Insurance Underwriting Scope

🏛️ Official Fort Walton Beach Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Check Your Coverage Options

Consultation Request Sent!

Hospital Indemnity Options

Hospital Confinement

ICU Confinement

Optional Benefits

Everything You Need to Know About Hospital Indemnity Insurance

What Is Hospital Indemnity Insurance?

How Daily Benefits Work

Hospital Indemnity vs. Health Insurance

Skilled Nursing & Outpatient

Who Needs Hospital Indemnity?

Florida Consumer Protections

More Insurance Options in Fort Walton Beach, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Hospital Indemnity Insurance FAQ

How much does hospital indemnity pay per day?

Does it cover any reason for hospitalization?

Can I use it with Medicare?

Is there a limit on how many times I can use it?

Is a medical exam required?

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Talk to a real person. Today.

Hospital Indemnity Insurance Underwriting Scope

Official Fort Walton Beach Resources