June Marcia Williams

Your Insurance Agent in Belleair, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Belleair, FL...

National Producer No.

17209549

Verify ↗

Whole Life Insurance in Belleair, FL

Permanent protection that builds wealth over time.

Whole life insurance for Belleair, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — permanent coverage with guaranteed cash value and dividend potential, 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, FL

Belleair, FL — Your Local Producer

Living in a place with the distinct charm of Belleair means having a lot worth protecting. As a local insurance professional serving Pinellas County, I'm dedicated to helping my neighbors secure their financial futures. My name is June Marcia Williams, and I provide personalized guidance on a range of personal insurance options, including Term Life, Whole Life, Final Expense, and various supplemental health plans. My goal is to help you understand your choices so you can feel confident in the strategy you build for your family. I am a licensed insurance producer, NPN: 17209549, with Florida License No: W840529.

Belleair Town Hall
Hunter Park
Belleair Country Club

NPN17209549FL LicenseW840529

Licensed Whole Life Producers in Belleair

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

Allen Metts

Life Including Variable Annuity & Health

NPN 20288594 Licensed 2022

Ayers Layman

Life Including Variable Annuity & Health

NPN 22204128 Licensed 2026

Barbara Favreau Sartiano

Life Including Variable Annuity & Health

NPN 17048635 Licensed 2013

Bradford Sean Dillion

Life Including Variable Annuity & Health

NPN 1099219 Licensed 2024

Brand Lawton Shank

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

NPN 462268 Licensed 1976

Brittany Kistler

Life Including Variable Annuity & Health

NPN 20488210 Licensed 2022

Bryce Matthew Iannello

Life Including Variable Annuity & Health

NPN 19645901 Licensed 2020

Caden R Coletti

Life Including Variable Annuity & Health

NPN 22185415 Licensed 2026

Claire Loehwing

Life Including Variable Annuity & Health

NPN 10371881 Licensed 2012

Conor Fitzgerald Mercurio

Life Including Variable Annuity & Health

NPN 20418785 Licensed 2022

Cristina Susana Diaz

Life Including Variable Annuity & Health

NPN 21048637 Licensed 2024

David Weyland Howell

Life Including Variable Annuity & Health

NPN 571322 Licensed 2004

Davidson Scott Williams

Life Including Variable Annuity & Health

NPN 22188624 Licensed 2026

Ernest T Giambra

Life Including Variable Annuity & Health

NPN 247132 Licensed 2015

Frank Paul Lavalla

Life Including Variable Annuity & Health

NPN 459440 Licensed 1992

Gabrielle Holcombe Chaplin

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

NPN 17844006 Licensed 2019

Jack Wesley Sonnenberg

Life Including Variable Annuity & Health

NPN 574989 Licensed 1972

James Rayburn Harper

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

NPN 367280 Licensed 1975

Joanna Leigh Lynch

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

NPN 247865 Licensed 2003

Joseph C Douglas

Life Including Variable Annuity & Health

NPN 20888466 Licensed 2023

Karen Ann Mason

Life Including Variable Annuity & Health

NPN 3624643 Licensed 2014

Kenneth Anthony Dayton

Life Including Variable Annuity & Health

NPN 443171 Licensed 1992

Kenneth I. Roberts

Life Including Variable Annuity & Health

NPN 11598901 Licensed 2008

Kent C Lynch

Life Including Variable Annuity & Health

NPN 242595 Licensed 1999

View all 44 licensed whole life producers in Belleair →

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

Whole Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Whole Life Insurance across the Belleair regional market. Rates are localized using regional health baselines.

Official Belleair Resources

County Pinellas County

Population ~4,295

Lack of insurance (18–64) 14.8%

FIPS code 1205075

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 rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

Photos by Captain Caveman , Joesep Prout , Joe Lopano , Martha Wade via Google Maps

View on Google Maps

Belleair

Belleair, FL 33756, USA

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 Whole Life Guide →

Select your coverage below to see your price in seconds.

See If You Pre-Qualify in 60 Seconds

Lifelong protection & guaranteed rates — no obligation — expert guidance tailored to you

How much lifetime coverage do you need?

$50K

$100K

$250K

$500K

$1M

$2M

What's most important to you?

Family Protection

Cash Value Growth

Estate Planning

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

Your illustrative monthly premium Select your coverage and add your date of birth and gender above for your premium range.

Whole life premiums vary far less by health class than term — a tight range is the real shape of this market. The low end of this range reflects a preferred-plus applicant (best health, non-tobacco) and the high end a standard class; a person's exact class — and therefore their premium — is set by the carrier after full underwriting, which usually includes a medical exam, and someone in a substandard or impaired-risk class can pay more than the high end. Unlike term, this premium is level for life and the coverage is permanent: it does not expire or re-price as you age. Whole life also builds cash value over time, but how much depends on the carrier's guarantees and, for participating policies, its dividend scale — so no cash-value figure is shown here, and a cash-value illustration is a licensed-producer conversation. This is an educational premium illustration, not a policy, quote, or offer; the exact premium and any cash value are set by the carrier.

Compare Plans

Whole Life Options

Live Well Plus

Participating whole life

Coverage never expires
Fixed premium, paid up at 100
Guaranteed cash value
Eligible for dividends
Issue ages 18-60, up to $2M

Get Quote

Live Well Plus + PUA Rider

Supercharged cash value

Everything in base plan
Flexible extra payments
Up to $200K/yr additional
6% expense charge only
Tax-deferred growth

Get Quote

Live Well Plus + Term Rider

Maximum death benefit

Permanent base + term boost
10, 15, or 20-year rider
Rider convertible to permanent
Lower cost than all whole life
Guaranteed insurability option

Get Quote

📖 Whole Life Knowledge

Everything You Need to Know About Whole Life Insurance

💎

What Is Whole Life Insurance?

Whole life is permanent life insurance that covers you for your entire life — not a set term. Premiums are fixed at the time of purchase and never increase. Every policy builds guaranteed cash value that grows tax-deferred. It's both a death benefit and a living financial asset.

📈

How Cash Value Works

A portion of every premium payment goes into a cash value account that grows at a guaranteed rate set by the carrier. This cash value is yours — borrow against it, withdraw it, or use it to pay premiums later. With participating policies, you may also receive annual dividends that accelerate growth.

🔄

Whole Life vs. Term Life

Term life is temporary and cheaper. Whole life is permanent and builds wealth. Term is renting; whole life is owning. Many families use both: term for the high-coverage years (mortgage, kids), whole life for lifetime needs (estate, legacy, final expenses). June helps you find the right balance.

🏦

Policy Loans & Living Benefits

Once cash value accumulates, you can take policy loans at competitive rates — no credit check, no approval process. Use it for emergencies, opportunities, or supplemental retirement income. Some carriers also offer accelerated death benefit riders for terminal or chronic illness — access to benefits while alive.

👶

Whole Life for Children

A children's whole life policy locks in insurability for life at the lowest possible rate. Even if your child develops health issues later, they keep their coverage. The cash value grows over decades — a head start on financial security. Many parents use it as a first financial gift that compounds for 60+ years.

⚖️

Florida Consumer Protections

Florida requires carriers to provide policy illustrations showing guaranteed and non-guaranteed values before purchase. You get a 14-day free-look period to return any policy for a full refund (Fla. Stat. § 627.4554). Your agent must disclose all compensation. June operates with full transparency — your interests first.

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

Life Insurance in Belleair

More Insurance Options in Belleair, FL

🛡️ Term 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

Whole Life Insurance FAQ

💰

How much does whole life cost in Belleair?

Premiums depend on age, health, and coverage. A healthy 35-year-old can expect $140-$180/month for $250K. Premiums are fixed for life.

📈

What is the cash value benefit?

Your policy builds guaranteed cash value over time, growing tax-deferred. Borrow against it, use for emergencies, or supplement retirement.

⚖️

Whole life vs. term life?

Term expires after 10-30 years. Whole life covers you forever, builds cash value, and has fixed premiums. Costs more but never expires.

🏥

Can I get whole life with no exam?

Yes. Non-medical underwriting available up to $250K for ages 18-55. No exams, no blood work — decisions in under 10 minutes.

🏦

Can I borrow from my policy?

Yes. Once cash value accumulates, you can take policy loans at competitive rates. No credit check, no approval process — it's your money.

Nearby Whole Life Coverage

Read the Full Whole Life 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

Whole Life Insurance in Belleair, FL

Belleair, FL — Your Local Producer

Licensed Whole Life Producers in Belleair

💎 Whole Life Insurance Underwriting Scope

🏛️ Official Belleair Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Pre-Qualify in 60 Seconds

Quote Request Received!

Whole Life Options

Live Well Plus

Live Well Plus + PUA Rider

Live Well Plus + Term Rider

Everything You Need to Know About Whole Life Insurance

What Is Whole Life Insurance?

How Cash Value Works

Whole Life vs. Term Life

Policy Loans & Living Benefits

Whole Life for Children

Florida Consumer Protections

More Insurance Options in Belleair, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Whole Life Insurance FAQ

How much does whole life cost in Belleair?

What is the cash value benefit?

Whole life vs. term life?

Can I get whole life with no exam?

Can I borrow from my policy?

Also Serving Pinellas County

Belleair Bluffs Financial Security

Clearwater Financial Security

The Dunedin Legacy Plan

Largo Financial Security

Madeira Beach Life Protection

Pinellas Park Life Protection

Saint Petersburg Life Protection

St. Pete Beach Coverage Guide

St. Petersburg Life Protection

Treasure Island Life Protection

The Bayport Legacy Plan

Brookridge Financial Security

The Brooksville Legacy Plan

The Masaryktown Legacy Plan

The Nobleton Legacy Plan

North Brooksville Wealth Strategy

Ridge Manor West Coverage Guide

Spring Hill Coverage Guide

Timber Pines Coverage Guide

Weeki Wachee Financial Security

The Fruitville Legacy Plan

Meadows Village Financial Security

North Port Wealth Strategy

North Sarasota Coverage Guide

Sarasota Life Protection

Sarasota Springs Coverage Guide

South Sarasota Coverage Guide

The South Venice Legacy Plan

The Venice Legacy Plan

Warm Mineral Springs Wealth Strategy

Talk to a real person. Today.

Whole Life Insurance Underwriting Scope

Official Belleair Resources