June Marcia Williams

Your Insurance Agent in St. Pete Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing St. Pete Beach, FL...

National Producer No.

17209549

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Final Expense Insurance in St. Pete Beach, FL

No medical exam. Ages 50-85. Guaranteed acceptance available.

Final expense insurance for St. Pete Beach, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — simplified-issue funeral and burial coverage from age 50 to 85, 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 · St. Pete Beach, FL

St. Pete Beach, FL — Your Local Producer

Hello, St. Pete Beach! Living in our beautiful corner of Pinellas County, with its stunning sunsets and coastal charm, is a unique privilege. It's a lifestyle worth protecting for the future. I'm June Marcia Williams, your local licensed insurance producer, and I'm dedicated to helping my neighbors navigate their personal insurance options. From Term Life and Final Expense to Critical Illness and Accident policies, I can help you understand the coverage that fits your life here by the Gulf. Let's work together to secure peace of mind for you and your loved ones. (NPN: 17209549, Florida License No: W840529)

The Don CeSar
Pass-a-Grille Beach
St. Pete Beach City Hall

NPN17209549FL LicenseW840529

Licensed Final Expense Producers in St. Pete Beach

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

Albert W Zimmerman

Life Including Variable Annuity & Health

NPN 3604907 Licensed 2023

Andrew Ide

Life Including Variable Annuity & Health

NPN 20717450 Licensed 2023

Braeden Eubanks

Life Including Variable Annuity & Health

NPN 21149837 Licensed 2025

Cher Raulerson

Life Including Variable Annuity & Health

NPN 10986729 Licensed 2008

Ciara Danielle Lee

Life Including Variable Annuity & Health

NPN 19944194 Licensed 2021

Clayton Douglas Valentine

Life Including Variable Annuity & Health

NPN 16753501 Licensed 2020

Corey James

Life Including Variable Annuity & Health

NPN 6076788 Licensed 2008

Daniel M Fittro

Life Including Variable Annuity & Health

NPN 4647610 Licensed 2001

Debie Monte

Life Including Variable Annuity & Health

NPN 9448815 Licensed 2014

Dzevad Dobraca

Life Including Variable Annuity & Health

NPN 19304337 Licensed 2019

Edward James Lee

Life Including Variable Annuity & Health

NPN 19857809 Licensed 2021

Felicia Ann Hackbarth

Life Including Variable Annuity & Health

NPN 20546170 Licensed 2022

Gunnar Drake Bowling

Life Including Variable Annuity & Health

NPN 20592668 Licensed 2023

Jacob Aspen Wright

Life Including Variable Annuity & Health

NPN 3684441 Licensed 2015

Jake Travis Gabay

Life Including Variable Annuity & Health

NPN 20857887 Licensed 2023

Janelle Gabay

Life Including Variable Annuity & Health

NPN 21092231 Licensed 2024

Jason Travis Gabay

Life Including Variable Annuity & Health

NPN 20985833 Licensed 2023

Jennifer Ann Chastain

Life Including Variable Annuity & Health

NPN 21247011 Licensed 2024

Jillian Tanda

Life Including Variable Annuity & Health

NPN 21404985 Licensed 2024

Jody Eliza Powell

Life Including Variable Annuity & Health

NPN 6621725 Licensed 2001

John Edward Farren

Life Including Variable Annuity & Health

NPN 611677 Licensed 2016

John Edward Kavaliauskas

Life Including Variable Annuity & Health

NPN 20974897 Licensed 2023

Jordan M Yanow

Life Including Variable Annuity & Health

NPN 18215645 Licensed 2016

Joseph Matthew Lehman

Life Including Variable Annuity & Health

NPN 454582 Licensed 1995

View all 45 licensed final expense producers in St. Pete Beach →

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

Final Expense Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Final Expense Insurance across the St. Pete Beach regional market. Rates are localized using regional health baselines.

Official St. Pete Beach Resources

County Pinellas County

Population ~8,905

Lack of insurance (18–64) 6.6%

FIPS code 1262885

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 St. Pete Beach rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

3.7 18 reviews

Photos by St. Pete Beach City Hall , ABahá'í PointGroup , Lisa B via Google Maps

View on Google Maps

St. Pete Beach City Hall

Open now · Mon 8:00 AM – 4:30 PM

(727) 367-2735

stpetebeach.org

155 Corey Ave, St Pete Beach, FL 33706, USA

Recent Reviews

Lisa B ★★★★★

"What a beautiful beach! Loved the Dunes tent and chair service! Just a wonderful relaxing day on the beach!😍😎☀️🏖🏄🏼‍♀️🐠🦀🦞"

Jennifer ★☆☆☆☆

"I received a $90 parking ticket on a Sunday in Pass-A-Grille after being parked for only one hour. There were tons of sign saying you needed some kind of permit on the main drag, but where I parked, t…"

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 Final Expense Guide →

Select your coverage below to see your price in seconds.

See If You Qualify — No Exam Required

Remove the financial burden from loved ones — no obligation — guaranteed acceptance options available

How much burial coverage do you need?

$5K

$10K

$15K

$20K

$25K

$35K

What matters most to you?

Funeral Costs

Medical Bills

Both

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Yes

Have you been diagnosed with or treated for cancer, heart disease, stroke, COPD, or organ failure?

Yes

Have you been hospitalized in the past 2 years (other than for routine procedures)?

Yes

Do you currently use a wheelchair, oxygen, or receive home health care?

Yes

Have you been diagnosed with diabetes requiring insulin?

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 estimate Example: $10,000 coverage — select your amount above for your range.

Compare Plans

Final Expense Options

Best Value

Preferred Plan

Full benefit from day one

100% death benefit immediately
Ages 50-85, up to $35K
No medical exam
Accidental Death rider available
Terminal illness rider included

Get Quote

Standard Plan

Full benefit from day one

100% death benefit immediately
Ages 50-85, up to $20K
No medical exam
Some health conditions OK
Level premiums for life

Get Quote

Guaranteed Issue Plan

Graded benefit — guaranteed

Years 1-2: premiums + 10% interest
Year 3+: full death benefit
Ages 50-80, up to $15K
No medical exam
Accidental death = full benefit yr 1

Get Quote

📖 Final Expense Knowledge

Everything You Need to Know About Final Expense Insurance

🕊️

What Is Final Expense Insurance?

Final expense is a small whole life policy designed to cover end-of-life costs — funeral, burial, cremation, outstanding medical bills, and legal fees. Coverage typically ranges from $5,000 to $50,000. Unlike traditional whole life, final expense is simplified issue — no medical exam, no blood work, just health questions.

💲

How Much Does a Funeral Cost in Florida?

According to the Choice Mutual 2026 / NFDA 2023, the median cost of a traditional funeral with burial in Florida is $8,023. The national median is $8,300. Cremation is less ($3,000–$6,000) but still a significant expense. Final expense insurance covers these costs so your family doesn't have to.

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Guaranteed Issue vs. Simplified Issue

Simplified issue (preferred/standard plans): answer health questions, no exam, immediate full benefit if approved. Guaranteed issue (guaranteed acceptance plans): no health questions at all — everyone qualifies — but has a 2-3 year graded benefit waiting period. Accidental death pays full benefit from day one on both.

🏦

Irrevocable Burial Trusts & Medicaid

In Florida, an irrevocable burial trust funded by a final expense policy is exempt from Medicaid asset calculations. Florida exempts irrevocable prepaid funeral contracts with no dollar cap (Fla. Admin. Code R. 65A-1.712, SSI-Related Medicaid Resource Eligibility Criteria). See Florida guidance. June helps structure these correctly.

👴

Who Should Get Final Expense?

Final expense is designed for seniors ages 50-85 who want to ensure their funeral and end-of-life costs are covered without burdening family. It's also for anyone who has been declined for traditional coverage due to health conditions — guaranteed issue means no one is turned away. Fixed premiums, coverage for life.

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Florida Consumer Protections

Florida law provides a 14-day free-look period on all life insurance policies — return for a full refund, no questions asked (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing benefits and costs. State insurance regulators prohibit misleading "burial insurance" advertising that overstates coverage or understates limitations.

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

Life Insurance in St. Pete Beach

More Insurance Options in St. Pete Beach, FL

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

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

Final Expense Insurance FAQ

💰

How much does final expense cost?

Premiums vary by age, health, and coverage amount. Plans range from $5K-$35K. Premiums are level and never increase.

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Is a medical exam required?

No. No medical exam, no blood work, no health interview. Eligibility determined at point of sale from application questions.

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What does it cover?

Funeral, burial or cremation, casket, memorial, outstanding medical bills, and end-of-life expenses. Florida median funeral with burial: $8,023 (Choice Mutual 2026 / NFDA 2023).

📋

What's the graded benefit?

Basic plan: years 1-2 pay premiums + 10% interest if death occurs. Year 3+ pays full face amount. Accidental death = full benefit day one.

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Can I get coverage at age 80?

Yes. Ages 50-85 are eligible. Preferred up to $15K, Standard up to $10K at ages 81-85. Level premiums guaranteed.

Nearby Final Expense Coverage

Read the Full Final Expense Consumer Guide →

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

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Final Expense Insurance in St. Pete Beach, FL

St. Pete Beach, FL — Your Local Producer

Licensed Final Expense Producers in St. Pete Beach

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official St. Pete Beach Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Qualify — No Exam Required

Quote Request Received!

Final Expense Options

Preferred Plan

Standard Plan

Guaranteed Issue Plan

Everything You Need to Know About Final Expense Insurance

What Is Final Expense Insurance?

How Much Does a Funeral Cost in Florida?

Guaranteed Issue vs. Simplified Issue

Irrevocable Burial Trusts & Medicaid

Who Should Get Final Expense?

Florida Consumer Protections

More Insurance Options in St. Pete Beach, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Final Expense Insurance FAQ

How much does final expense cost?

Is a medical exam required?

What does it cover?

What's the graded benefit?

Can I get coverage at age 80?

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Talk to a real person. Today.

Final Expense Insurance Underwriting Scope

Official St. Pete Beach Resources