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June Marcia Williams — Licensed Insurance Agent in Harold, FL
June Marcia Williams
Your Insurance Agent in Harold, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Harold, FL...
National Producer No.
17209549
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Expert Life Insurance Agent in Harold, FL | 12+ Years Experience

Top-Rated Financial Protection for Harold Residents

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

Your local licensed agent in Harold, Santa Rosa County. 9 product lines. 12 years of experience. One call away.

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

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
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🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Harold, FL

Harold, FL — Your Local Producer

Hello, Harold neighbors! In a community like ours here in Santa Rosa County, we value peace of mind and looking out for one another. My name is June Marcia Williams, and as your local licensed insurance producer, I'm dedicated to helping you find that security. I offer a range of personal insurance options, from Term and Whole Life to Final Expense and Critical Illness plans, all designed to protect what matters most—your family's future. As a licensed professional (NPN: 17209549, FL License No: W840529), I'm here to provide clear, straightforward guidance for your specific needs.

  • U.S. Highway 90
  • Blackwater River State Forest
  • Willard Norris Road (County Road 197A)
NPN17209549FL LicenseW840529

Harold is home to approximately 863 residents in Santa Rosa County, with a median age of 32.6. About 84% of homes are owner-occupied; the median home value is $158,000. 9% of adults hold a bachelor's degree or higher; households with children make up 43%; veterans comprise 11% of residents. Average household size is 3.5. These demographic markers shape which life insurance products fit Harold households.

How Harold compares to Santa Rosa County

SANTA ROSA COUNTY · 189K RESIDENTS HAROLD · 863 RESIDENTS
Santa Rosa County vs Harold — population comparison Santa Rosa County: 188,994 residents. Harold: 863 residents, 0.5% of Santa Rosa County population.
188,994 SANTA ROSA COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
863 HAROLD RESIDENTS ↳ 0.5% of Santa Rosa County residents
Underwriting Guidelines

How does arthritis impact life insurance underwriting in Harold, FL?

Coverage is widely available. Harold sits within Santa Rosa County (population ~203,000, 10.8% uninsured), where 26.6% of adults have arthritis alongside 16.1% with current cigarette smoking per current CDC PLACES data. Independent agents match applicants to carriers whose underwriting guidelines treat each clinical profile most favorably.

Our underwriting team matches Harold families directly with the carriers who look most favorably on these specific health markers, eliminating the guesswork. View insurance in nearby Navarre Beach →

📊 Top Health Considerations (CDC)

Top Health Considerations for Harold (CITY) High cholesterol: 36.7%. High blood pressure: 36.9%. Obesity: 34.2%. Diagnosed diabetes: 11.5%. Current cigarette smoking: 16.1%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · HAROLD High cholesterol 36.7% High blood pressure 36.9% Obesity 34.2% Diagnosed diabetes 11.5% Current cigarette smoking 16.1% 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

Santa Rosa County Gov Portal .GOV
Population ~863
Lack of health insurance (18–64) 14.3%

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

FIPS code 1229000
Google Maps
View on Google Maps
Harrold City Hall
(605) 875-3300
102 1st St, Harrold, SD 57536, USA
Available in Harold

Your coverage options.

Life insurance, supplemental health, and business protection — all from one licensed agent.

🛡️ Life Insurance

Term Life

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

Lock My Term Rate 💎 Life Insurance

Whole Life

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

Build My Legacy Plan 📈 Life Insurance

Universal Life

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

Grow My Wealth Tax-Free 🏥 Supplemental Health

Critical Illness

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

Secure Illness Cash 🏨 Supplemental Health

Hospital Indemnity

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

Get Hospital Cash Coverage ⚡ Supplemental Health

Accident & Injury

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

Lock In Accident Protection 🏢 Business

Business Life

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

Protect My Business 🔑 Specialized

Special Situations

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

Find My Coverage Solution 🕊️ Life Insurance

Final Expense

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

Secure Final Expense Coverage
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Coverage Across Santa Rosa County and Neighboring Florida Counties

Cities served near Harold.

June Marcia Williams writes life insurance and supplemental health policies across Santa Rosa County and adjacent Florida counties — all within the same Florida regulatory framework.

🌟 Cities Served near Harold

19 Cities · 3 Counties
Holmes County4
BonifayEstoNomaWestville
Santa Rosa CountyHome10
AllentownBerrydaleHolleyMount CarmelMunsonNavarre BeachRoevilleSpringhillTiger PointWoodlawn Beach
Washington County5
CaryvilleChipleyEbroVernonWausau
Official Resources

Know your rights in Harold.

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

Harold insurance — answered.

💰

How much does life insurance cost in Harold?

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.

Harold
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage — all from one licensed agent.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for diabetes, high blood pressure, heart disease, and cancer history. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Harold?

Yes. June serves all of Harold and every municipality in Santa Rosa 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.

Verified
Nearby Cities

Coverage continues next door.

← Previous Gulf Breeze Santa Rosa County, FL 10 products available
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