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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Final Expense Insurance in Treasure Island, FL

Coverage from $5,000 to $50,000. Premiums never increase.

Final expense insurance for Treasure Island, 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 · 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 Final Expense 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 final expense 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.

Final Expense Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Final Expense 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 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 Treasure Island

More Insurance Options in Treasure Island, 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.

🏥

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.

👴

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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Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Final Expense Insurance in Treasure Island, FL

Treasure Island, FL — Your Local Producer

Licensed Final Expense Producers in Treasure Island

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Treasure Island 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 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

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 Treasure Island Resources