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Home›Florida›Pinellas County›Belleair Bluffs›Critical Illness Insurance

June Marcia Williams — Licensed Critical Illness Insurance Agent in Belleair Bluffs, FL
June Marcia Williams
Your Insurance Agent in Belleair Bluffs, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Belleair Bluffs, FL...
National Producer No.
17209549
Verify ↗

Critical Illness Insurance in Belleair Bluffs, FL

Fill the gap between health insurance and real-life costs.

Critical illness insurance for Belleair Bluffs, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — lump-sum benefits paid on diagnosis of cancer, heart attack, or stroke, 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 · Belleair Bluffs, FL

Belleair Bluffs, FL — Your Local Producer

Hello, Belleair Bluffs! As a fellow Floridian, I appreciate the unique charm and coastal lifestyle we enjoy here in Pinellas County. My name is June Marcia Williams, and I'm a licensed insurance producer dedicated to serving our community. Navigating insurance options can feel complex, but my goal is to provide clear, personalized guidance. Whether you're considering Term Life, Final Expense, or other personal policies to protect your family's future, I'm here to help you understand your choices. As your neighbor, I'm committed to offering straightforward support for your specific needs. (NPN: 17209549, Florida License No: W840529)

  • Belleair Bluffs City Hall
  • West Bay Drive
  • Belleair Causeway
NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Belleair Bluffs

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

AY
Alannah Yeager
Life Including Variable Annuity & Health
NPN 22235793 Licensed 2026
AB
Allison Holcombe Bajenski
Life Including Variable Annuity & Health
NPN 18820115 Licensed 2018
BH
Benjamin Thomas Hubbell
Life Including Variable Annuity & Health
NPN 21651283 Licensed 2025
BB
Brian Keith Barton
Life Including Variable Annuity & Health
NPN 8196664 Licensed 2004
BS
Bryan Alan Schmick
Life Including Variable Annuity & Health
NPN 16416853 Licensed 2011
CC
Chase Chaplin
Life Including Variable Annuity & Health
NPN 18150894 Licensed 2025
CH
Christopher John Van Horn
Life Including Variable Annuity & Health
NPN 21151043 Licensed 2024
CS
Courtney Taylor Saathoff
Life & Health (2-15) and General Lines / P&C (2-20)
NPN Licensed 2026
DW
Daniel O Wolf
Life Including Variable Annuity & Health
NPN 666943 Licensed 2000
DK
David J Kruis
Life Including Variable Annuity & Health
NPN 7634373 Licensed 2003
GS
Gerry Stewart Shipley
Life Including Variable Annuity & Health
NPN 625280 Licensed 2021
JF
Jackee Kay Festi
Life Including Variable Annuity & Health
NPN 17718554 Licensed 2015
JO
Jaimie Alyse Oertle
Life Including Variable Annuity & Health
NPN 20240057 Licensed 2022
JB
Joseph Amos Barkley
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 585533 Licensed 2006
LP
Laura Mae Pell
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 19323164 Licensed 2019
LR
Leah Gabriella Rapuano
Life Including Variable Annuity & Health
NPN 21676563 Licensed 2025
MD
Mary Ann Drisco
Life Including Variable Annuity & Health
NPN 13108392 Licensed 2020
MB
Michael Stanley Borota
Life Including Variable Annuity & Health
NPN 8527536 Licensed 2005
NR
Nicholas C Rauseo
Life Including Variable Annuity & Health
NPN 5768500 Licensed 2014
RP
Randy Alan Pattison
Life Including Variable Annuity & Health
NPN 10809575 Licensed 2010
RS
Richard Matthew Spottke
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20399947 Licensed 2022
SM
Scott George May
Life Including Variable Annuity & Health
NPN 500950 Licensed 1993
SS
Susan S Shipley
Life Including Variable Annuity & Health
NPN 3137904 Licensed 2021
WM
Willem D Marx
Life Including Variable Annuity & Health
NPN 8077529 Licensed 2009
View all 25 licensed critical illness producers in Belleair Bluffs →

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

Critical Illness Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Critical Illness Insurance across the Belleair Bluffs regional market. Rates are localized using regional health baselines.

Official Belleair Bluffs Resources

County Pinellas County
Population ~2,476
Lack of insurance (18–64) 13.9%
FIPS code 1205125

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 Belleair Bluffs rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV
Google Maps
4.6 13 reviews
Belleair Bluffs City Hall photo 1Belleair Bluffs City Hall photo 2Belleair Bluffs City Hall photo 3
Photos by Larry Bell , Elizabeth Smoley , The Hylers via Google Maps
View on Google Maps
Belleair Bluffs City Hall
Open now · Mon 8:30 AM – 4:30 PM
(727) 584-2151
belleairbluffs.org
2747 Sunset Blvd, Belleair Bluffs, FL 33770, USA
Recent Reviews
The Hylers ★★★★★
"The playground and picnic tables adjacent to City Hall make this a great place to visit with your kids or to sit and enjoy your lunch."
JK Flowers & Gift Baskets ★★★★★
"Friendly and helpful staff brand new play ground for children. With work out equipment coming soon. Plenty of benches and a bike rack."
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 Critical Illness Guide →

Select your coverage below to see your price in seconds.

Check Your Coverage Options

Focus on recovery, not medical bills — no obligation — tailored quotes from leading providers

✅

You may qualify for coverage!

Based on your selections, June can compare rates from multiple A-rated carriers. Enter your contact info below so she can reach out with your personalized options.

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

Critical Illness Options

Cancer Only

Diagnosis-triggered lump sum
  • 100% lump sum on cancer diagnosis
  • $300 skin cancer benefit
  • $75/yr annual care for 5 years
  • Option B: $200/day hospital
  • Option B: $50/yr wellness screening
Get Quote
Most Comprehensive

Cancer + Heart & Stroke

Combined critical illness protection
  • 100% lump sum: cancer, heart attack, stroke
  • 50% for bypass surgery
  • 25% for angioplasty, stent, TIA
  • Option B: $100/yr wellness screening
  • Subsequent diagnosis scale to 100%
Get Quote

Heart & Stroke Only

Cardiovascular protection
  • 100% lump sum: heart attack or stroke
  • 50% for coronary artery bypass
  • 25% for angioplasty, stent, TIA
  • End-stage renal failure covered
  • Option B: $50/yr wellness screening
Get Quote
📖 Critical Illness Knowledge

Everything You Need to Know About Critical Illness Insurance

🏥

What Is Critical Illness Insurance?

Critical illness insurance pays a one-time, tax-free lump sum if you're diagnosed with a covered condition — cancer, heart attack, stroke, or other specified illnesses. It's not health insurance. It's income replacement when you can't work. Use the cash for anything: treatment copays, mortgage payments, childcare, travel to specialists, or lost wages.

💲

How the Lump Sum Works

Choose a benefit amount from $10,000 to $100,000. If diagnosed with a covered condition, you receive the full lump sum (or a percentage for lesser conditions like TIA or skin cancer). The money is paid directly to you — not the hospital, not the insurance company. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, scaling to 100% after 61 months.

🎗️

What Conditions Are Covered?

Cancer: All invasive cancers (100% lump sum), carcinoma in-situ (25%), skin cancer ($300). Heart & Stroke: Heart attack (100%), stroke (100%), coronary artery bypass (50%), angioplasty/stent (25%), TIA (25%). Combined plans also cover end-stage renal failure. All conditions must be first-time diagnoses after the policy effective date.

💎

Option A vs. Option B

Option A: Lump sum only — simple, clean, one payment on diagnosis. Option B: Lump sum PLUS hospital confinement ($200/day for days 1-30, $400/day for 31+), wellness screening benefit ($50-$100/year for preventative care), and radiation/chemo benefits ($200/day). Option B costs more but provides ongoing support during treatment.

⚕️

Health Insurance Gap Coverage

Health insurance covers medical bills. But it doesn't cover your mortgage, car payment, groceries, or childcare while you're in treatment. The average cancer patient faces $12,000+ in out-of-pocket costs in the first year alone — and that's with insurance. Critical illness insurance fills the gap between what health insurance covers and what life actually costs during a health crisis.

⚖️

Florida Consumer Protections

Florida requires a 14-day free-look period on all supplemental health policies (Fla. Stat. § 627.4554). Critical illness policies typically have a 12-month pre-existing condition lookback — conditions diagnosed or treated in the 12 months before your effective date are excluded during the first policy year. After that, full coverage applies. All policies are guaranteed renewable for life.

🎓 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 Belleair Bluffs

More Insurance Options in Belleair Bluffs, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense
Insurance Resources

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FL Life Insurance Buyer's Guide

Free consumer guide from FL OIR explaining policy types, replacement rules, and your free-look period.

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Frequently Asked Questions

Critical Illness Insurance FAQ

💰

How much does critical illness insurance cost?

Premiums vary by age, coverage type, and benefit amount. Coverage is affordable for most families. June provides personalized quotes based on your specific situation — no obligation.

🏥

Is a medical exam required?

No medical exam. Eligibility is based on health questions at point of sale. Pre-existing conditions within the past 12 months may affect eligibility for specific coverage types.

🔄

Can I claim more than once?

Yes. Subsequent diagnoses pay on a graduated scale: 20% after 13 months, 40% after 25 months, scaling to 100% after 61 months since the previous diagnosis. The scale resets after each claim.

❤️

What if I have a family history of cancer or heart disease?

Family history alone does not disqualify you. Eligibility depends on your personal health history. Certain current conditions may affect which coverage type you qualify for. June helps navigate the options.

📋

Does this replace health insurance?

No. Critical illness insurance supplements health insurance. Health insurance covers medical bills. Critical illness insurance covers everything else — mortgage, bills, lost income, childcare. They work together.

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View Zephyrhills West Coverage
Read the Full Critical Illness Consumer Guide →

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

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