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Home›Florida›Polk County›Winter Haven›Critical Illness Insurance

June Marcia Williams — Licensed Critical Illness Insurance Agent in Winter Haven, FL
June Marcia Williams
Your Insurance Agent in Winter Haven, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Winter Haven, FL...
National Producer No.
17209549
Verify ↗

Critical Illness Insurance in Winter Haven, FL

June Williams — supplemental health specialist. Option A & B plans.

Critical illness insurance for Winter Haven, 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 · Winter Haven, FL

Winter Haven, FL — Your Local Producer

Hello, Winter Haven! As a resident of Polk County, I know our community is defined by the beautiful Chain of Lakes and a strong sense of looking out for one another. That same spirit of care is what drives my work as a licensed insurance producer. I'm June Marcia Williams, and I'm here to help you navigate your options for life insurance, final expense planning, and other personal policies to secure your family's future. It's about finding the right fit for your unique life here in our beautiful city. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • Legoland Florida Resort
  • Theatre Winter Haven
  • Winter Haven City Hall
NPN17209549FL LicenseW840529

Licensed Critical Illness Producers in Winter Haven

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

AE
Abdiel Escalett
Life Including Variable Annuity & Health
NPN 16590157 Licensed 2012
AA
Abel Alfonso-Wong
Life Including Variable Annuity & Health
NPN 21071706 Licensed 2024
AA
Abraham Tirado Ayala
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20300950 Licensed 2022
AM
Adam Mayfield
Life Including Variable Annuity & Health
NPN 16352719 Licensed 2015
AM
Adara Morgan Mccollum
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20171193 Licensed 2021
AC
Adelita A Cisnero
Life Including Variable Annuity & Health
NPN 17712620 Licensed 2015
AH
Adina Holtzberg
Life Including Variable Annuity & Health
NPN 21367857 Licensed 2024
AH
Adrian Hernandez
Life Including Variable Annuity & Health
NPN 21155245 Licensed 2024
AE
Afania Saint Eloi
Life Including Variable Annuity & Health
NPN 21061231 Licensed 2024
AB
Aileen Marie Blatnik
Life Including Variable Annuity & Health
NPN 18932310 Licensed 2018
AP
Aimee Louise Pevy
Life Including Variable Annuity & Health
NPN 469068 Licensed 1996
AI
Aireal Marie Irizarry
Life Including Variable Annuity & Health
NPN 21589533 Licensed 2025
AW
Aisha Nelson Wright
Life Including Variable Annuity & Health
NPN 18869418 Licensed 2018
AJ
Alan Dale Jenkins
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 8497485 Licensed 2005
AB
Alana Bradford
Life Including Variable Annuity & Health
NPN 21362827 Licensed 2024
AS
Alanis G Maldonado Santana
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20810196 Licensed 2023
AB
Alannah Danielle Benitez
Life Including Variable Annuity & Health
NPN 20107763 Licensed 2021
AL
Alba I Legrand
Life Including Variable Annuity & Health
NPN 20215022 Licensed 2022
AK
Aleshia Kennedy
Life Including Variable Annuity & Health
NPN 19634586 Licensed 2020
AL
Alex Craig Long
Life Including Variable Annuity & Health
NPN 20080309 Licensed 2021
AM
Alexander Mejia
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 21436187 Licensed 2025
AS
Alexander Scilabro
Life Including Variable Annuity & Health
NPN 20733719 Licensed 2023
AO
Alexandra L Ocon
Life Including Variable Annuity & Health
NPN 19223927 Licensed 2019
AA
Alexis Crystal Chantel Alexis
Life Including Variable Annuity & Health
NPN 19085417 Licensed 2019
View all 934 licensed critical illness producers in Winter Haven →

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 Winter Haven regional market. Rates are localized using regional health baselines.

Official Winter Haven Resources

County Polk County
Population ~50,778
Lack of insurance (18–64) 20.1%
FIPS code 1278275

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 Winter Haven rates. Start your quote request below.

FL OIR .GOV Polk County Gov Portal .GOV
Google Maps
2.5 19 reviews
City of Winter Haven- City Hall photo 1City of Winter Haven- City Hall photo 2
Photos by NATAŠA , Aaron Shaw via Google Maps
View on Google Maps
City of Winter Haven- City Hall
Open now · Mon 8:00 AM – 5:00 PM
(863) 291-5600
mywinterhaven.com
451 3rd St NW, Winter Haven, FL 33881, USA
Recent Reviews
Google User ★☆☆☆☆
"Chad Davis needs to actually work for the peiple and not developers. He also needs to not use voter records to spam call people."
Ana Duarte ★☆☆☆☆
"The city employees are not helpful to investors. City code is on top of every person trying to do business by giving fines, but their development department is so slow to approve new businesses and co…"
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

✅

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.

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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
📖 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.

💲

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.

🎗️

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.

💎

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.

⚕️

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.

⚖️

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 Winter Haven

More Insurance Options in Winter Haven, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense
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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.

🔄

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.

❤️

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.

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Lithia Wealth Strategy

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Pebble Creek Financial Security

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Read the Full Critical Illness Consumer Guide →

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

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