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Home›Florida›Polk County›Crystal Lake

June Marcia Williams — Licensed Insurance Agent in Crystal Lake, FL
June Marcia Williams
Your Insurance Agent in Crystal Lake, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Crystal Lake, FL...
National Producer No.
17209549
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Life Insurance in Crystal Lake, FL

Top-Rated Financial Protection for Crystal Lake Residents

Honest, Local Insurance Guidance for Your Family's Future in Polk County

Your local licensed agent in Crystal Lake, Polk County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Crystal Lake, Polk County, Florida residents — fully-underwritten, simplified-issue, and final-expense products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
🛡️ Get Your Quote 📅 Schedule a Call
🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Crystal Lake, FL

Crystal Lake, FL — Your Local Producer

For my neighbors in Crystal Lake, the unique character of Polk County is something we all appreciate. It's a place where community matters, and looking out for one another is second nature. That same sense of care is what drives my work. My name is June Marcia Williams, and as a licensed insurance producer, I help individuals and families navigate their personal insurance options. From term and whole life to final expense and critical illness plans, I'm here to help you find the right protection for your specific needs, right here in our community. (NPN: 17209549, Florida License No: W840529)

  • Crystal Lake Middle School
  • US-98 (Bartow Road)
  • S Combee Road
NPN17209549FL LicenseW840529

Crystal Lake is home to approximately 6,000 residents in Polk County, with a median age of 30.6 and a median household income of $45,200. About 45% of homes are owner-occupied; the median home value is $145,000. 13% of adults hold a bachelor's degree or higher; households with children make up 44%; veterans comprise 3% of residents. Average household size is 3.0. These demographic markers shape which life insurance products fit Crystal Lake households.

How Crystal Lake compares to Polk County

POLK COUNTY · 736K RESIDENTS CRYSTAL LAKE · 6K RESIDENTS
Polk County vs Crystal Lake — population comparison Polk County: 736,229 residents. Crystal Lake: 6,048 residents, 0.8% of Polk County population.
736,229 POLK COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
6,048 CRYSTAL LAKE RESIDENTS ↳ 0.8% of Polk County residents
Underwriting Guidelines

Does current cigarette smoking affect life insurance rates in Crystal Lake, FL?

Crystal Lake applicants with current cigarette smoking qualify routinely. The local risk pool — Polk County's ~736,000 residents, 19.2% without health coverage — shows 16.9% adult prevalence of current cigarette smoking and 40.7% with obesity. Top-rated carriers price these conditions transparently when application data is complete and recent.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Loughman →

📊 Top Health Considerations (CDC)

Top Health Considerations for Crystal Lake (CITY) High cholesterol: 37.5%. High blood pressure: 34.2%. Obesity: 40.7%. Diagnosed diabetes: 13%. Current cigarette smoking: 16.9%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CRYSTAL LAKE High cholesterol 37.5% High blood pressure 34.2% Obesity 40.7% Diagnosed diabetes 13.0% Current cigarette smoking 16.9% Data sourced directly from the CDC PLACES Dataset.

Tier projection blends county-level prevalence with carrier underwriting bands. Higher prevalence shifts more of each bar into Standard and Rated/Watch segments. Use as a county baseline, not an individual underwriting outcome.

Preferred Range
Standard
Rated / Watch

Official City Resources

Polk County Gov Portal .GOV
Population ~6,048
Lack of health insurance (18–64) 19.4%

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

FIPS code 1215725
Google Maps
Crystal Lake civic building photo 1Crystal Lake civic building photo 2Crystal Lake civic building photo 3
Photos by Dennis Yerger , Robert Kosin , Esther Paty Machuca via Google Maps
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Available in Crystal Lake

Life Insurance Products in Crystal Lake, FL

9 insurance products available in Crystal Lake

🛡️ Life Insurance

Term Life

Level-premium protection for 10, 20, or 30 years. Designed to cover mortgages, income replacement, and family obligations.

View Term Life 💎 Life Insurance

Whole Life

Permanent coverage with guaranteed cash value accumulation. Lifetime protection that doubles as a financial asset.

View Whole Life 📈 Life Insurance

Universal Life

Flexible premiums with index-linked growth potential. Adjustable coverage that adapts to your financial goals over time.

View Universal Life 🏥 Supplemental Health

Critical Illness

Lump-sum benefit upon diagnosis of a covered condition — cancer, heart attack, stroke, and more. Use it however you need.

View Critical Illness 🏨 Supplemental Health

Hospital Indemnity

Daily cash benefit for hospital stays, regardless of other insurance. Covers deductibles, lost wages, and out-of-pocket costs.

View Hospital Indemnity ⚡ Supplemental Health

Accident & Injury

Cash benefits for accidents — fractures, dislocations, burns, emergency transport. Pays on top of your existing health plan.

View Accident & Injury 🏢 Business

Business Life

Key person, buy-sell funding, and executive benefits. Protect your business from the financial impact of losing a critical contributor.

View Business Life 🔑 Specialized

Special Situations

Pre-existing conditions, no-exam options, marijuana users, high-risk applicants. Coverage solutions when standard plans say no.

View Special Situations 🕊️ Life Insurance

Final Expense

Covers funeral, burial, cremation, and end-of-life costs. No medical exam. Ages 50–85. Premiums never increase.

View Final Expense
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Life Insurance in Polk County and Nearby Florida Counties

Life Insurance by City Near Crystal Lake, FL

9,785 licensed producers on public record in Polk County.

🌟 Cities Served near Crystal Lake

25 Cities · 3 Counties
Orange County10
ApopkaMeadow WoodsOaklandOrlandoSouth ApopkaSouthchaseWindermereWinter GardenWinter ParkZellwood
Polk CountyHome10
AuburndaleBartowBradley JunctionCypress GardensEloiseHaines CityLake WalesLakelandLakeland HighlandsWillow Oak
Highlands County5
Avon ParkLake PlacidLoridaSebringVenus
Official Resources

Know your rights in Crystal Lake.

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law.

Visit floir.gov →.GOV

Verify Agent License (NIPR)

Look up June's NPN (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides on choosing life insurance, understanding policy types, and filing complaints.

Visit naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for and your federal protections.

Visit ftc.gov →.GOV
Frequently Asked Questions

Crystal Lake Life Insurance Questions

💰

How much does life insurance cost in Crystal Lake?

Rates vary based on age, health, coverage amount, and policy type. Term life is generally the most affordable. A licensed agent can compare carriers for your specific situation.

Crystal Lake
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for applicants with pre-existing health conditions. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Crystal Lake?

Yes. June serves all of Crystal Lake and every municipality in Polk County. Licensed in five states: NJ, PA, FL, MD, and VA.

Full Coverage
🏥

What is critical illness insurance?

Pays a lump-sum cash benefit upon diagnosis of cancer, heart attack, stroke, or organ failure. Supplements health insurance by covering deductibles, lost wages, and non-medical expenses.

Critical Illness
✅

How do I verify June's FL license?

Verify through FL OIR at floir.gov or NIPR at nipr.com. June Marcia Williams — NPN 17209549, FL License #W840529.

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