June Marcia Williams

Your Insurance Agent in Mary Esther, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Mary Esther, FL...

National Producer No.

17209549

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Accident & Injury Insurance in Mary Esther, FL

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

Accident and injury insurance for Mary Esther, 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 · Mary Esther, FL

Mary Esther, FL — Your Local Producer

Hello Mary Esther! As a resident of the beautiful Emerald Coast, I appreciate the unique quality of life we enjoy here in Okaloosa County. My name is June Marcia Williams, and as your local licensed insurance producer, I'm dedicated to helping my neighbors protect what matters most. Whether you're considering Term Life, Final Expense, or Accident & Injury coverage, I can help you navigate your options with personalized attention. My goal is to help you secure the right financial protection for your family's future right here in our community. (NPN: 17209549, Florida License No: W840529)

Mary Esther City Hall
Santa Rosa Mall
Hurlburt Field

NPN17209549FL LicenseW840529

Licensed Accident & Injury Producers in Mary Esther

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

Blake Thomas Hutcheson

Life Including Variable Annuity & Health

NPN 21406682 Licensed 2024

Brandy Lynn Saddi

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

NPN 12777574 Licensed 2011

Brayden Thomas Holland

Life Including Variable Annuity & Health

NPN 21581787 Licensed 2025

Britainia Birr

Life Including Variable Annuity & Health

NPN 19571800 Licensed 2020

Cameron Joseph Ederer

Life Including Variable Annuity & Health

NPN 20786438 Licensed 2023

Carlos Oved Reyes Mayorquin

Life Including Variable Annuity & Health

NPN 22270204 Licensed 2026

Chaz Hunter Chandler

Life Including Variable Annuity & Health

NPN 20038263 Licensed 2021

Cheri Garrett

Life Including Variable Annuity & Health

NPN 17510189 Licensed 2015

Daniel William Healy

Life Including Variable Annuity & Health

NPN 3230637 Licensed 2000

Darius Smiley

Life Including Variable Annuity & Health

NPN 20275212 Licensed 2022

David Benard Lewis

Life Including Variable Annuity & Health

NPN 6408603 Licensed 2023

Deangelo Pickens

Life Including Variable Annuity & Health

NPN 21620943 Licensed 2025

Donald R Hawkins

Life Including Variable Annuity & Health

NPN 2094077 Licensed 1999

Duane Obie Gilmore

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

NPN 479078 Licensed 1988

Elizabeth Ann Ball

Life Including Variable Annuity & Health

NPN 17363280 Licensed 2014

Erika Prado

Life Including Variable Annuity & Health

NPN 20639330 Licensed 2023

Gary Vernon Sheets

Life Including Variable Annuity & Health

NPN 15327078 Licensed 2019

Gayle Schwarz Vann

Life Including Variable Annuity & Health

NPN 21180663 Licensed 2024

Holly Angelia Wood

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

NPN 20286762 Licensed 2022

Jennifer L Stewart

Life Including Variable Annuity & Health

NPN 20126439 Licensed 2021

Jeremiah E Williams

Life Including Variable Annuity & Health

NPN 22111084 Licensed 2026

Jeremy Pasko-Grab

Life Including Variable Annuity & Health

NPN 19364371 Licensed 2019

John Charles Davis

Life Including Variable Annuity & Health

NPN 2895221 Licensed 1999

John Ocran

Life Including Variable Annuity & Health

NPN 20646362 Licensed 2023

View all 58 licensed accident & injury producers in Mary Esther →

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 Mary Esther regional market. Rates are localized using regional health baselines.

Official Mary Esther Resources

County Okaloosa County

Population ~4,018

Lack of insurance (18–64) 10.9%

FIPS code 1243375

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 Mary Esther rates. Start your quote request below.

FL OIR .GOV Okaloosa County Gov Portal .GOV

2.8 6 reviews

Photos by Debra Allenbrand via Google Maps

View on Google Maps

City Hall

Open now · Mon 8:00 AM – 1:00 PM, 2:00 – 5:00 PM

(850) 243-3566

cityofmaryesther.com

195 Christobal Rd, Mary Esther, FL 32569, USA

Recent Reviews

Debra Allenbrand ★☆☆☆☆

"Have been trying to get a building permit to add a roof to our front porch for over a year now. Permits administration has changed the reason 3 times now. We have complied with requests at our expense…"

A P ★☆☆☆☆

"Mary esther code enforcement clearly doesn't do job since now waste dumpster lid over the property line and over the fence approaching on my property"

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

Your info is secure · Never shared · June responds within 30 min

✅

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.

⚠️

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 Mary Esther

More Insurance Options in Mary Esther, 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.

🏥

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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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

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Accident & Injury Insurance in Mary Esther, FL

Mary Esther, FL — Your Local Producer

Licensed Accident & Injury Producers in Mary Esther

⚡ Accident & Injury Insurance Underwriting Scope

🏛️ Official Mary Esther 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 Mary Esther, 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 Mary Esther Resources