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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Term Life Insurance in Mary Esther, FL

Compare 10, 20, and 30-year term rates from top carriers.

Term life insurance for Mary Esther, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — level premiums for 10, 20, or 30 years and tax-free death benefit, 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 Term Life 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 term life 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.

Term Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Term Life 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 Term Life Guide →

Select your coverage below to see your price in seconds.

See If You Pre-Qualify in 60 Seconds

Fast, personalized quotes — no obligation — no medical exam up to $400K

How much coverage do you need?

$50K

$100K

$150K

$250K

$400K

$500K+

How long do you need coverage?

10 yr

15 yr

20 yr

25 yr

30 yr

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Never

Quit 5+ yrs

Quit 1-5 yrs

Current

Have you ever been treated for high blood pressure?

Yes

Have you ever been treated for high cholesterol?

Yes

Have you been diagnosed with or treated for diabetes?

Yes

Has a parent died before age 65 from heart disease or cancer?

Yes

Any DUI/DWI in the past 5 years?

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

Compare Plans

Term Life Options

10-Year Term

Lowest monthly cost

Complete the quick form above to see your estimate

Level premium for 10 years
Issue ages 18-80
No exam up to $400K
Convertible to permanent
Renewable to age 100

Get Quote

20-Year Term

Best value for families

Complete the quick form above to see your estimate

Level premium for 20 years
Issue ages 18-65
No exam up to $400K
Convertible to permanent
Covers mortgage + college

Get Quote

30-Year Term

Maximum protection

Complete the quick form above to see your estimate

Level premium for 30 years
Issue ages 18-55
No exam up to $400K
Convertible to permanent
Locks rate til retirement

Get Quote

📖 Term Life Knowledge

Everything You Need to Know About Term Life Insurance

🛡️

What Is Term Life Insurance?

Term life is pure death benefit protection for a set period — 10, 20, or 30 years. If you die during the term, your beneficiaries receive a tax-free lump sum. If you outlive the term, the policy expires. No cash value, no investment component. It's the most affordable type of life insurance because you're only paying for the death benefit.

💲

How Much Does Term Life Cost?

A healthy 30-year-old can get a $500,000 20-year term policy for under $25/month. Rates depend on age, health, tobacco use, coverage amount, and term length. Shorter terms cost less. Women typically pay less than men. Life insurance premiums paid by the policyowner are not subject to a state sales tax in any U.S. state.

🔄

Can I Convert to Permanent Later?

Most quality carriers include a conversion privilege — the right to convert your term policy to whole life or universal life without a new medical exam. This is critical: if your health changes during the term, conversion lets you keep coverage. June only recommends carriers with strong conversion options.

📊

How Much Coverage Do I Need?

The DIME method: Debt + Income replacement + Mortgage + Education. Add up what your family needs if you're gone. A common shortcut: 10-12× your annual income. A family earning $75K needs roughly $750K-$900K. June provides a free needs analysis to find your exact number.

🏥

Do I Need a Medical Exam?

Traditional fully-underwritten term life requires a brief paramedical exam (blood draw, blood pressure, height/weight) — this typically qualifies you for the lowest premiums. No-exam options exist through accelerated underwriting for coverage up to $500K, but premiums are 15-30% higher. June helps you decide which path makes sense for your situation.

⚖️

Florida Life Insurance Consumer Rights

Florida law provides a 14-day free-look period — return any policy within that window for a full refund (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing guaranteed and non-guaranteed values. Your agent must disclose all compensation. June operates under a fiduciary mindset: your needs first, always.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA.

Life Insurance in Mary Esther

More Insurance Options in Mary Esther, FL

💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ 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

Term Life Insurance FAQ

💰

How much does term life cost in Mary Esther?

A healthy 35-year-old can get $500K coverage for around $28/month on a 20-year term. Rates vary by age, health, and coverage amount.

📅

What term lengths are available?

10-year, 20-year, and 30-year terms. Shorter terms cost less. Longer terms lock in your rate. June helps you find the right fit.

🔄

Can I convert to whole life later?

Most carriers offer conversion without a new medical exam. Valuable safety net if your health changes down the road.

🏥

Do I need a medical exam?

Traditional term life requires a brief exam for lower premiums. No-exam options available at slightly higher premiums for quick coverage.

📊

How much coverage do I need?

Guideline: 10-12x annual income. A family earning $60K/year needs $600K-$720K. June provides free needs analysis.

Nearby Term Life Coverage

Read the Full Term Life 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

📅 Schedule a Call 💬 Get Your Quote

Term Life Insurance in Mary Esther, FL

Mary Esther, FL — Your Local Producer

Licensed Term Life Producers in Mary Esther

🛡️ Term Life Insurance Underwriting Scope

🏛️ Official Mary Esther Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Pre-Qualify in 60 Seconds

Quote Request Received!

Term Life Options

10-Year Term

20-Year Term

30-Year Term

Everything You Need to Know About Term Life Insurance

What Is Term Life Insurance?

How Much Does Term Life Cost?

Can I Convert to Permanent Later?

How Much Coverage Do I Need?

Do I Need a Medical Exam?

Florida Life Insurance Consumer Rights

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

Term Life Insurance FAQ

How much does term life cost in Mary Esther?

What term lengths are available?

Can I convert to whole life later?

Do I need a medical exam?

How much coverage do I need?

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Talk to a real person. Today.

Term Life Insurance Underwriting Scope

Official Mary Esther Resources