June Marcia Williams

Your Insurance Agent in Clearwater, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Clearwater, FL...

National Producer No.

17209549

Verify ↗

Term Life Insurance in Clearwater, FL

June Williams — NPN 17209549. No-exam options up to $500K.

Term life insurance for Clearwater, 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 · Clearwater, FL

Clearwater, FL — Your Local Producer

Hello, Clearwater! As a fellow Floridian, I know how much we value the unique coastal lifestyle here in Pinellas County, from our stunning beaches to our vibrant community spirit. It's a special place to build a life and protect what matters most. As a licensed insurance producer, my goal is to help my Clearwater neighbors find peace of mind. I offer personal guidance on a range of insurance options, including Term Life, Final Expense, and Critical Illness plans, tailored to your specific needs. Let's work together to secure your family's future. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Coachman Park
Pier 60
Clearwater Main Library

NPN17209549FL LicenseW840529

Licensed Term Life Producers in Clearwater

2980 on public record · Florida DFS · Fla. Stat. §119.01

Aaron C Kizer

Life Including Variable Annuity & Health

NPN 19311284 Licensed 2019

Aaron Johnston

Life Including Variable Annuity & Health

NPN 21001178 Licensed 2023

Aaron L Modugno

Life Including Variable Annuity & Health

NPN 19199055 Licensed 2019

Aaron Michael Vanhorenbeck

Life Including Variable Annuity & Health

NPN 19017274 Licensed 2019

Aaron Willett

Life Including Variable Annuity & Health

NPN 18376531 Licensed 2026

Abbey Bouchard Center

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

NPN 18577308 Licensed 2017

Abbigail Leah Pedalino

Life Including Variable Annuity & Health

NPN 21325960 Licensed 2024

Abbigale Lockward

Life Including Variable Annuity & Health

NPN 8967509 Licensed 2007

Abigail Gonzalez

Life Including Variable Annuity & Health

NPN 19685782 Licensed 2020

Abraham Todd Winstin

Life Including Variable Annuity & Health

NPN 20430099 Licensed 2022

Adam James Bouchard

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

NPN 8299658 Licensed 2005

Adam James Spath

Life Including Variable Annuity & Health

NPN 18051975 Licensed 2016

Adam Parks

Life Including Variable Annuity & Health

NPN 2176952 Licensed 2016

Adam Skonicki

Life Including Variable Annuity & Health

NPN 17455233 Licensed 2014

Adam Trevor Warfield

Life Including Variable Annuity & Health

NPN 20479030 Licensed 2022

Adanakai Wheeler

Life Including Variable Annuity & Health

NPN 20393920 Licensed 2022

Adelia Clarice Bennett

Life Including Variable Annuity & Health

NPN 19405209 Licensed 2020

Adham Makki

Life Including Variable Annuity & Health

NPN 22241871 Licensed 2026

Admira Mrakovic

Life Including Variable Annuity & Health

NPN 17965755 Licensed 2016

Adream Jones

Life Including Variable Annuity & Health

NPN 20610564 Licensed 2023

Adrian Hoegg

Life Including Variable Annuity & Health

NPN 19601480 Licensed 2020

Adrian Minxolli

Life Including Variable Annuity & Health

NPN 20547917 Licensed 2022

Adrian Pitrade Head

Life Including Variable Annuity & Health

NPN 20754952 Licensed 2023

Adriana Cecilia Reyes Cardenas

Life Including Variable Annuity & Health

NPN 21283553 Licensed 2024

View all 2980 licensed term life producers in Clearwater →

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 Clearwater regional market. Rates are localized using regional health baselines.

Official Clearwater Resources

County Pinellas County

Population ~116,984

Lack of insurance (18–64) 17.3%

FIPS code 1212875

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 Clearwater rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

2.2 32 reviews

City of Clearwater Municipal Services Building photo 1

City of Clearwater Municipal Services Building photo 2

City of Clearwater Municipal Services Building photo 3

Photos by Maria Alley , Bartolomeo Gorgoglione , Bartolomeo Gorgoglione via Google Maps

View on Google Maps

City of Clearwater Municipal Services Building

Open now · Mon 8:00 AM – 5:00 PM

(727) 562-4600

myclearwater.com

100 S Myrtle Ave, Clearwater, FL 33756, USA

Recent Reviews

maria nenos-politis ★☆☆☆☆

"The online services ridiculous. Calling the department and trying to get anything done cost you money. The phone system is a long and involved process which carries needing to give a social security n…"

Claire Mae Elizabeth Grange ★★★★☆

"They annually provide each household a couple free young trees to choose from their wonderful selection and freshly plant. I appreciate people can build a lush yard over time. I wish people would be m…"

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 Clearwater

More Insurance Options in Clearwater, 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 Clearwater?

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

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

Term Life Insurance in Clearwater, FL

Clearwater, FL — Your Local Producer

Licensed Term Life Producers in Clearwater

🛡️ Term Life Insurance Underwriting Scope

🏛️ Official Clearwater 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 Clearwater, 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 Clearwater?

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 Clearwater Resources