June Marcia Williams

Your Insurance Agent in New Port Richey, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing New Port Richey, FL...

National Producer No.

17209549

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Special Situations Insurance in New Port Richey, FL

Guaranteed issue, graded benefit, and ITIN-eligible coverage.

Special-situation life insurance for New Port Richey, 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 · New Port Richey, FL

New Port Richey, FL — Your Local Producer

For my neighbors in New Port Richey, I understand that our unique Pasco County lifestyle deserves equally unique financial protection. Whether you're enjoying a day on the water or spending time with family, having the right life insurance plan brings invaluable peace of mind. I'm June Marcia Williams, and I specialize in helping individuals and families find coverage that fits their specific needs, from Term and Whole Life to Final Expense and Critical Illness plans. My focus is on providing clear, straightforward guidance so you can make informed decisions for your loved ones. As your local licensed producer (NPN: 17209549, Florida License No: W840529), I'm committed to serving our community.

Sims Park
Richey Suncoast Theatre
New Port Richey Public Library

NPN17209549FL LicenseW840529

Licensed Special Situations Producers in New Port Richey

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

Aaron Gabriel Sweeney

Life Including Variable Annuity & Health

NPN 22213986 Licensed 2026

Abanob Gerges

Life Including Variable Annuity & Health

NPN 20377109 Licensed 2022

Abdiel Samuel Quiles

Life Including Variable Annuity & Health

NPN 21597639 Licensed 2025

Ada Louise Jacobs

Life Including Variable Annuity & Health

NPN 20631147 Licensed 2023

Adalberto Torres Reyes

Life Including Variable Annuity & Health

NPN 20164680 Licensed 2021

Adam Johnson

Life Including Variable Annuity & Health

NPN 20034171 Licensed 2021

Aidan James Wood

Life Including Variable Annuity & Health

NPN 21694264 Licensed 2025

Alan Judson Hershberger

Life Including Variable Annuity & Health

NPN 542449 Licensed 1987

Alathium Finchum

Life Including Variable Annuity & Health

NPN 20679247 Licensed 2023

Aleah Parker

Life Including Variable Annuity & Health

NPN 20831918 Licensed 2023

Aleksandr Kuzmin

Life Including Variable Annuity & Health

NPN 17000465 Licensed 2024

Alex Gabriel Papadopoulos

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

NPN 20652602 Licensed 2023

Alexander Ficarro

Life Including Variable Annuity & Health

NPN 19224896 Licensed 2019

Alexander Frank Rascionato

Life Including Variable Annuity & Health

NPN 8919336 Licensed 2006

Alexander John Hrica

Life Including Variable Annuity & Health

NPN 20692654 Licensed 2023

Alexander Michael Oremland

Life Including Variable Annuity & Health

NPN 20034546 Licensed 2021

Alexander Richard Modglin

Life Including Variable Annuity & Health

NPN 8201093 Licensed 2004

Alexandra Oroz

Life Including Variable Annuity & Health

NPN 21263312 Licensed 2024

Alexandra Wandelt

Life Including Variable Annuity & Health

NPN 21645027 Licensed 2025

Alexandria Susann Kelly

Life Including Variable Annuity & Health

NPN 17061535 Licensed 2013

Alexis Sierra Keener

Life Including Variable Annuity & Health

NPN 21066915 Licensed 2024

Alfonso Restuccia

Life Including Variable Annuity & Health

NPN 21374668 Licensed 2024

Alfred D'Amore

Life Including Variable Annuity & Health

NPN 22145192 Licensed 2026

Allan Martin Cruickshank

Life Including Variable Annuity & Health

NPN 1018676 Licensed 2003

View all 900 licensed special situations producers in New Port Richey →

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 New Port Richey regional market. Rates are localized using regional health baselines.

Official New Port Richey Resources

County Pasco County

Population ~16,742

Lack of insurance (18–64) 15.4%

FIPS code 1248500

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 New Port Richey rates. Start your quote request below.

FL OIR .GOV Pasco County Gov Portal .GOV

2.6 45 reviews

Photos by Steve Hodges , EtownStickly , Benjamin Ferguson , Anthony Kneifer via Google Maps

View on Google Maps

City of New Port Richey

Open now · Mon 8:00 AM – 5:00 PM

(727) 853-1016

cityofnewportrichey.org

5919 Main St, New Port Richey, FL 34652, USA

Recent Reviews

Jane Mazzone ★★★★★

"Tammy in Building department is always very helpful; knowledgeable and easy to deal with. Michael (an inspector) is also knowledgeable and offered us great feedback. Always upbeat and thorough.. Work…"

S ★☆☆☆☆

"Worst city to deal with on any level. The water is so hard and so gross to drink. If you don't have filters on your sink or shower head it literally eats through the ceramic tiles and toilet bowl afte…"

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.

🚬

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 New Port Richey

More Insurance Options in New Port Richey, 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 New Port Richey, FL

New Port Richey, FL — Your Local Producer

Licensed Special Situations Producers in New Port Richey

🔑 Special Situations Insurance Underwriting Scope

🏛️ Official New Port Richey 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 New Port Richey, 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 New Port Richey Resources