June Marcia Williams

Your Insurance Agent in Fort Meade, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fort Meade, FL...

National Producer No.

17209549

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Final Expense Insurance in Fort Meade, FL

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

Final expense insurance for Fort Meade, 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 · Fort Meade, FL

Fort Meade, FL — Your Local Producer

Hello, Fort Meade! I appreciate the unique, historic character and strong community spirit we share here in Polk County. My name is June Marcia Williams, and as a local licensed insurance producer, I am dedicated to helping my neighbors navigate their financial planning. I'm here to offer clear, one-on-one guidance for your personal insurance needs, whether you're considering Term Life, Final Expense, Critical Illness, or other supplemental plans. My focus is on understanding your unique situation to help you find a path toward greater peace of mind for you and your family. (NPN: 17209549, Florida License No: W840529)

Fort Meade Middle-Senior High School
Patterson Park
Fort Meade City Hall

NPN17209549FL LicenseW840529

Licensed Final Expense Producers in Fort Meade

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

Alexander Kerns

Life Including Variable Annuity & Health

NPN 20830746 Licensed 2023

Azucena Macedo

Life Including Variable Annuity & Health

NPN 19664648 Licensed 2020

Brian Gallafraigh

Life Including Variable Annuity & Health

NPN 7519226 Licensed 2024

Claudia Aime Shanley

Life Including Variable Annuity & Health

NPN Licensed 2026

David Bruce Powers

Life Including Variable Annuity & Health

NPN 15438134 Licensed 2009

Diego Bautista-Luviano

Life Including Variable Annuity & Health

NPN 21178984 Licensed 2024

Glavine Tyrus Andruw Harpe

Life Including Variable Annuity & Health

NPN 19685940 Licensed 2020

Hannah Michelle Revell

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

NPN 20995983 Licensed 2023

Jenna Lynn Waters

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

NPN 19911458 Licensed 2023

John G Owens

Life Including Variable Annuity & Health

NPN 22055237 Licensed 2025

Karen Renee Owens

Life Including Variable Annuity & Health

NPN 463454 Licensed 2024

Korneill I Howard

Life Including Variable Annuity & Health

NPN 21272844 Licensed 2024

Lachlan Fain Akins

Life Including Variable Annuity & Health

NPN 20519031 Licensed 2022

Lataundria Tanisha Hunt

Life Including Variable Annuity & Health

NPN 15935565 Licensed 2010

Marisela Teresa Martinez

Life Including Variable Annuity & Health

NPN 22274996 Licensed 2026

Mia Nicole Crawford

Life Including Variable Annuity & Health

NPN 21296763 Licensed 2024

Mynson Lee Anderson

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

NPN 19783304 Licensed 2021

Nickkie Sharee Gist

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

NPN 2100347 Licensed 2003

Robert Wickham

Life Including Variable Annuity & Health

NPN 22238827 Licensed 2026

Rosa Colchado

Life Including Variable Annuity & Health

NPN 3140740 Licensed 2015

Sebastian D Hernandez Jorge

Life Including Variable Annuity & Health

NPN 22255468 Licensed 2026

Steve Anthony Dulkoski

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

NPN 1029491 Licensed 1997

Tyler Michael Shanley

Life Including Variable Annuity & Health

NPN 21727616 Licensed 2025

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 Fort Meade regional market. Rates are localized using regional health baselines.

Official Fort Meade Resources

County Polk County

Population ~5,133

Lack of insurance (18–64) 23.0%

FIPS code 1224100

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 Fort Meade rates. Start your quote request below.

FL OIR .GOV Polk County Gov Portal .GOV

2.8 16 reviews

Photos by EtownStickly , Mic Nac , Rob Rosemarie , David Suggs via Google Maps

View on Google Maps

Fort Meade City Hall

Open now · Mon 8:00 AM – 1:00 PM, 2:00 – 5:00 PM

(863) 285-1100

cityoffortmeade.com

8 W Broadway St, Fort Meade, FL 33841, USA

Recent Reviews

Andrea child of the Most High ★☆☆☆☆

"Very disrespectful town. These absolutely ridiculous downtown parties that are so loud with their music. They don't care that there are people trying to sleep, they allow their concerts to be so loud …"

Lauren Jones ★★★★★

"Moved to Fort Meade in June of 2022 and I'm so impressed with this small town. The women at city hall have been fantastic everyime I've had to call/go to the office for utilities or code enforcement. …"

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 Fort Meade

More Insurance Options in Fort Meade, 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

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

Final Expense Insurance in Fort Meade, FL

Fort Meade, FL — Your Local Producer

Licensed Final Expense Producers in Fort Meade

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Fort Meade 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 Fort Meade, 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 Fort Meade Resources