June Marcia Williams

Your Insurance Agent in Treasure Island, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Treasure Island, FL...

National Producer No.

17209549

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Critical Illness Insurance in Treasure Island, FL

Benefits from $10,000 to $100,000. No network restrictions.

Critical illness insurance for Treasure Island, 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 · Treasure Island, FL

Treasure Island, FL — Your Local Producer

Living in beautiful Treasure Island means enjoying the best of Pinellas County's coastal charm, from sunny beach days to stunning sunsets. As you build your life here, it's wise to ensure your family's financial future is secure. My name is June Marcia Williams, and as a licensed insurance producer, I help my neighbors in Treasure Island navigate their options for life insurance, final expense, and other personal policies. My goal is to provide clear, straightforward information so you can find a plan that fits your unique needs and budget. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Treasure Island City Hall
John's Pass Village & Boardwalk
Treasure Island Beach Trail

NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Treasure Island

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

Alexander Seanger

Life Including Variable Annuity & Health

NPN 20676636 Licensed 2023

Amy Streicher

Life Including Variable Annuity & Health

NPN 7025477 Licensed 2022

Andrew Gilbert Vasey

Life Including Variable Annuity & Health

NPN 22101959 Licensed 2026

Anthony Joseph Spadorcia

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

NPN 1639459 Licensed 2010

Brian Scott Bacon

Life Including Variable Annuity & Health

NPN 7361421 Licensed 2004

Brianca Roberts

Life Including Variable Annuity & Health

NPN 20247309 Licensed 2022

Charles Fuller

Life Including Variable Annuity & Health

NPN 7046069 Licensed 2015

David Martin Franklin

Life Including Variable Annuity & Health

NPN 8441257 Licensed 2005

Diane Marie Donnelly

Life Including Variable Annuity & Health

NPN 583669 Licensed 1999

Douglas Bruce Shellabarger

Life Including Variable Annuity & Health

NPN 699145 Licensed 1997

Eleanor Renee Fogle

Life Including Variable Annuity & Health

NPN 21253359 Licensed 2024

Eric John Ferenbach

Life Including Variable Annuity & Health

NPN 21216530 Licensed 2024

Fouad Shahin

Life Including Variable Annuity & Health

NPN 18398685 Licensed 2024

Gene Gennadij Stern

Life Including Variable Annuity & Health

NPN 519742 Licensed 1978

Geoffrey S Hahn

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

NPN 18551330 Licensed 2017

Jennifer Lockett

Life Including Variable Annuity & Health

NPN 18222253 Licensed 2016

Joel Murga

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

NPN 450559 Licensed 1993

Joshua Houchens

Life Including Variable Annuity & Health

NPN 17406305 Licensed 2019

Kaitlin Moore

Life Including Variable Annuity & Health

NPN 17783314 Licensed 2015

Karen A. Reese

Life Including Variable Annuity & Health

NPN 10181258 Licensed 2010

Keith Reid Armbrecht

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

NPN 634015 Licensed 2003

Kelly Ann Brennick

Life Including Variable Annuity & Health

NPN 8977377 Licensed 2025

Kenneth Charles Gersbach

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

NPN 8876259 Licensed 2006

Kevin Michael Lazar

Life Including Variable Annuity & Health

NPN 21550065 Licensed 2025

View all 48 licensed critical illness producers in Treasure Island →

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 Treasure Island regional market. Rates are localized using regional health baselines.

Official Treasure Island Resources

County Pinellas County

Population ~6,590

Lack of insurance (18–64) 6.6%

FIPS code 1272325

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 Treasure Island rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

3.9 58 reviews

Photos by City Of Treasure Island , G S via Google Maps

View on Google Maps

City Of Treasure Island

Open now · Mon 8:00 AM – 4:30 PM

mytreasureisland.org

10451 Gulf Blvd, Treasure Island, FL 33706, USA

Recent Reviews

G S ★☆☆☆☆

"They have no tolerance for dogs on the beach. Dogs are part of families. Beaches that are tolerant to dogs are thriving nationwide because people appreciate it and understand what they are responsible…"

Rebecca Scott ★★★★★

"I love this island. It's the best island of all Islands Clearwater's too busy and Commercial, St Pete Beach is too young and hustle bustle, but Treasure Island, it's the perfect balance of both it's g…"

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

What do you want protection against?

🎗️ Cancer Only

❤️ Heart & Stroke

🛡️ Cancer + Heart & Stroke

Choose your benefit structure

Option A
Lump-sum cash on diagnosis

Option B
Lump sum + hospital + wellness

Select your lump-sum benefit amount

$10K

$20K

$30K

$40K

$50K

$60K

$70K

$100K

Who needs coverage?

Just Me

Me + Spouse

Family

✅

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 Name

Phone Number

Email Address

Age

⚡ Call me ASAP — I want to speak with an agent as soon as possible

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

✅

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

Important — what this coverage does not pay

This is limited benefit supplemental coverage. It is not major medical insurance, not comprehensive health coverage, and not a substitute for either. It does not meet minimum essential coverage requirements.

Benefits are paid only when the policy’s specific conditions are met. This policy contains exclusions, limitations, and reductions of benefits, and terms under which the policy may be continued in force or discontinued. Some benefits do not begin until a waiting period has passed. Losses caused by a health condition you had before your coverage start date may not be covered. Coverage of this type is guaranteed renewable; premium rates may change, but only for an entire class of policies, never for you individually.

For costs and complete details of the coverage, including the full list of exclusions and limitations, review the policy documents or contact us before applying.

📖 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.

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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.

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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.

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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.

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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.

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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 Treasure Island

More Insurance Options in Treasure Island, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏨 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

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.

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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.

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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.

Nearby Critical Illness Coverage

Read the Full Critical Illness 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

Critical Illness Insurance in Treasure Island, FL

Treasure Island, FL — Your Local Producer

Licensed Critical Illness Producers in Treasure Island

🏥 Critical Illness Insurance Underwriting Scope

🏛️ Official Treasure Island Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Check Your Coverage Options

Consultation Request Sent!

Critical Illness Options

Cancer Only

Cancer + Heart & Stroke

Heart & Stroke Only

Everything You Need to Know About Critical Illness Insurance

What Is Critical Illness Insurance?

How the Lump Sum Works

What Conditions Are Covered?

Option A vs. Option B

Health Insurance Gap Coverage

Florida Consumer Protections

More Insurance Options in Treasure Island, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Critical Illness Insurance FAQ

How much does critical illness insurance cost?

Is a medical exam required?

Can I claim more than once?

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

Does this replace health insurance?

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Talk to a real person. Today.

Critical Illness Insurance Underwriting Scope

Official Treasure Island Resources