June Marcia Williams

Your Insurance Agent in Celebration, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Celebration, FL...

National Producer No.

17209549

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Special Situations Insurance in Celebration, FL

June Williams — specialist in DUI, diabetes, cancer history, foreign nationals.

Special-situation life insurance for Celebration, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — coverage paths for diabetes, heart conditions, and prior diagnoses, 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 · Celebration, FL

Celebration, FL — Your Local Producer

Hello, Celebration! As a fellow resident of the greater Osceola County area, I admire the unique, picture-perfect community you've built, with its distinct architecture and strong neighborhood bonds. It’s a place where planning for a beautiful future is part of the local character. As your local licensed insurance producer, I'm here to help you protect that future. I offer personalized guidance on a range of options, including Term Life, Whole Life, and Final Expense policies, to help secure your family's financial well-being. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Celebration Town Center
Lakeside Park
Celebration Golf Club

NPN17209549FL LicenseW840529

Licensed Special Situations Producers in Celebration

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

Aiden Allin Searcy

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

NPN 19921744 Licensed 2021

Alicia Lee Aylesworth

Life Including Variable Annuity & Health

NPN 20575767 Licensed 2023

Angela Nicole Achon

Life Including Variable Annuity & Health

NPN 18036949 Licensed 2016

Antonio Saulo Coffani Nunes

Life Including Variable Annuity & Health

NPN 21298344 Licensed 2024

Bianca Ciccone

Life Including Variable Annuity & Health

NPN 22204602 Licensed 2026

Brian Schmidt Carlson

Life Including Variable Annuity & Health

NPN 21184801 Licensed 2024

Carlos Miguel Pacheco Delgado

Life Including Variable Annuity & Health

NPN 20549363 Licensed 2022

Carmen Alicia Quintero

Life Including Variable Annuity & Health

NPN 18577377 Licensed 2017

Christopher Charles Melissinos

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

NPN 16514520 Licensed 2012

Claudia Allen

Life Including Variable Annuity & Health

NPN 22123506 Licensed 2026

Clayton Morley Griswold

Life Including Variable Annuity & Health

NPN 21049486 Licensed 2024

Cristian Valbuena

Life Including Variable Annuity & Health

NPN 19288108 Licensed 2019

Cuilian Li

Life Including Variable Annuity & Health

NPN 18913764 Licensed 2018

Daniel Crabb

Life Including Variable Annuity & Health

NPN 19288069 Licensed 2019

Daniel Orestes Marrero

Life Including Variable Annuity & Health

NPN 17900635 Licensed 2016

David Wood Murchison

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

NPN 9448930 Licensed 2007

Duane Alan Slater

Life Including Variable Annuity & Health

NPN 21607692 Licensed 2025

Edgar Arvelo

Life Including Variable Annuity & Health

NPN 613498 Licensed 1994

Else M Kapusta

Life Including Variable Annuity & Health

NPN 19199091 Licensed 2019

Erica Ashlynd Reid

Life Including Variable Annuity & Health

NPN 21407556 Licensed 2024

Erica Lynn Duran

Life Including Variable Annuity & Health

NPN 8315563 Licensed 2021

Ethan Cook

Life Including Variable Annuity & Health

NPN 21687360 Licensed 2025

Frederick William Scholz

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

NPN 16826679 Licensed 2021

Garrett Duane Volkmer

Life Including Variable Annuity & Health

NPN 19929521 Licensed 2021

View all 81 licensed special situations producers in Celebration →

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

Special Situations Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Special Situations Insurance across the Celebration regional market. Rates are localized using regional health baselines.

Official Celebration Resources

County Osceola County

Population ~12,030

Lack of insurance (18–64) 12.6%

FIPS code 1211285

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 Celebration rates. Start your quote request below.

FL OIR .GOV Osceola County Gov Portal .GOV

4.5 115 reviews

Photos by David Herszenson , Sergio Marini , Angelo Barros Ferreira , Troy Gamble via Google Maps

View on Google Maps

Celebration Town Hall

(407) 566-1200

celebration.fl.us

851 Celebration Ave, Kissimmee, FL 34747, USA

Recent Reviews

Michelle Pascua ★★★★★

"The classes offered by Lifelong are held at the Town Hall and have been fun and interesting. The small amount of times I’ve had to speak to the staff of the Town Hall have been pleasant, there wasn’t …"

J Lenaway ★★★☆☆

"The facility itself is very nice, but lately, maintenance has been an issue. The air conditioning has not worked while our group has been there for several months, even after repeated requests to the …"

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 Special Situations Guide →

Select your coverage below to see your price in seconds.

Tell Us About Your Situation

Judgment-free coverage for unique health or lifestyle needs — no obligation — let June find your best match

What best describes your situation?

❌ Previously Declined

🏥 Pre-Existing Condition

👴 Senior (65+)

⚠️ High-Risk Occupation

🌍 Foreign National / Visa

🚬 Tobacco / Cannabis Use

🚗 DUI / Driving History

❓ Other / Not Sure

✅

We can help with your situation!

June specializes in hard-to-place cases — pre-existing conditions, prior declines, high-risk occupations, and more. Enter your contact info so she can review your situation personally.

Your Name

Phone Number

Email Address

Brief description of your situation (optional)

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

Confidential · Never shared · June responds within 30 min

✅

Review Request Sent!

June will review your situation and 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

Special Situations Options

Most Common

Health Challenges

Pre-existing conditions & declines

Diabetes, heart disease, cancer history
Table-rated underwriting (A-H)
Guaranteed issue (no health questions)
Graded benefit whole life
Multiple carriers = more options

Get Quote

Age & Lifestyle

Seniors, tobacco, DUI history

Issue ages up to 85 (final expense)
Tobacco/cannabis classes available
DUI: eligible after 5 years (most carriers)
Simplified issue — no exam
No-lapse guaranteed coverage

Get Quote

Non-Standard Risks

Foreign nationals, hazardous jobs

Green card + select visa holders
Hazardous occupations evaluated
Aviation exclusion riders
Foreign travel considerations
ITIN program eligible

Get Quote

📖 Special Situations Knowledge

Coverage Options for Pre-Existing Conditions & Special Cases

🚫

Why People Get Declined

Common reasons: diabetes, heart disease, cancer history, obesity, mental health conditions, DUI, hazardous occupation, or tobacco use. But a decline from one carrier doesn't mean no coverage. Different carriers have different underwriting guidelines — what's a decline at Company A might be standard at Company B. June shops across 7 carriers to find your best option.

📊

Table Ratings Explained

Table ratings (A through H) are premium surcharges for applicants who don't qualify for standard rates. Table A = 25% above standard, Table H = 200% above standard. Each table adds approximately 25%. This sounds expensive, but table-rated coverage is still real coverage — and it's infinitely better than no coverage. Many conditions that were Table D five years ago are now Standard.

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Guaranteed Issue: No Questions Asked

Guaranteed issue means exactly what it sounds like — you cannot be declined. No health questions, no medical exam, no blood work. The tradeoff: coverage amounts are lower ($5K-$50K typically) and there's usually a 2-3 year graded benefit period. After the waiting period, full death benefit applies. For people who've been declined everywhere else, this is the safety net.

🌍

Foreign Nationals & Visa Holders

Coverage available for Green Card holders and select visa types (E-1, E-2, H-1B, L-1, and their dependents). Requirements: valid immigration docs, 12+ months US residency, $20K+ annual income from US sources. Some carriers also accept ITIN candidates. Living benefit riders (chronic/critical illness) available to permanent residents. June navigates the immigration + insurance intersection.

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Tobacco, Cannabis & Substance Use

Tobacco users pay higher premiums but are absolutely insurable. Most carriers have separate tobacco rate classes. Cannabis: Several of our carrier partners treat occasional marijuana use as non-tobacco if no other tobacco products are used. Substance abuse history: Generally requires 3-5 years clean with no treatment. Each carrier evaluates differently — June knows which ones are most lenient.

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Florida Consumer Protections

Florida law prohibits unfair discrimination in life insurance underwriting — decisions must be based on actuarial data, not arbitrary factors. All policies include a 14-day free-look period (Fla. Stat. § 627.4554). Guaranteed issue policies cannot impose pre-existing condition exclusions beyond the graded benefit period stated in the policy. June advocates for your right to coverage under Florida insurance regulations.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. 7 carriers, 33 products.

Life Insurance in Celebration

More Insurance Options in Celebration, FL

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

Special Situations FAQ

🚫

I was declined — can I still get coverage?

Almost certainly yes. A decline from one carrier doesn't mean uninsurable. June works with 7 carriers with different guidelines. Guaranteed issue options exist where no one is turned away.

🏥

Can I get coverage with diabetes?

Yes. Well-controlled diabetes (Type 1 or 2) can often qualify for table-rated coverage. Some carriers are more favorable than others. June matches your specific health profile to the most lenient underwriter.

👴

Is there coverage for people over 80?

Yes. Final expense and guaranteed issue products are available up to age 85. No medical exam required. Coverage amounts typically $5,000-$35,000 with level premiums for life.

🚗

Can I get coverage with a DUI on my record?

Yes, typically after 5 years. Most carriers require no DUI or reckless driving in the past 5 years for standard rates. Some offer coverage sooner at table ratings. June knows which carriers are most flexible.

🌍

Can non-US citizens get life insurance?

Yes. Green card holders and select visa types (E, H-1B, L-1) are eligible. Requirements include valid docs, 12+ months US residency, and US-based income. ITIN candidates may also qualify.

Nearby Special Situations Coverage

Read the Full Special Situations Consumer Guide →

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

Talk to a real person. Today.

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

Special Situations Insurance in Celebration, FL

Celebration, FL — Your Local Producer

Licensed Special Situations Producers in Celebration

🔑 Special Situations Insurance Underwriting Scope

🏛️ Official Celebration Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Tell Us About Your Situation

Review Request Sent!

Special Situations Options

Health Challenges

Age & Lifestyle

Non-Standard Risks

Coverage Options for Pre-Existing Conditions & Special Cases

Why People Get Declined

Table Ratings Explained

Guaranteed Issue: No Questions Asked

Foreign Nationals & Visa Holders

Tobacco, Cannabis & Substance Use

Florida Consumer Protections

More Insurance Options in Celebration, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Special Situations FAQ

I was declined — can I still get coverage?

Can I get coverage with diabetes?

Is there coverage for people over 80?

Can I get coverage with a DUI on my record?

Can non-US citizens get life insurance?

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Talk to a real person. Today.

Special Situations Insurance Underwriting Scope

Official Celebration Resources