June Marcia Williams

Your Insurance Agent in Elkton, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Elkton, FL...

National Producer No.

17209549

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Affordable Life Insurance in St Johns County | Secure Your Family's Future

Custom Coverage from a Licensed FL Agent You Can Trust

9 Straightforward Product Lines Tailored for Every St Johns County Family

Protect your family in St Johns County. 16 municipalities. 9 product lines. One licensed agent.

Licensed Florida agent June Marcia Williams (#W840529, NPN 17209549) writes life insurance for St Johns County, Florida residents — fully-underwritten and simplified-issue 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

County Hub · St Johns, FL

Across St Johns County

As a licensed insurance producer, I am proud to serve the families and businesses of St Johns County. From the historic heart of our county seat, St. Augustine, to the growing communities along the I-95 and US-1 commuter corridors, I understand the unique financial landscape of our region. I specialize in protecting assets for homeowners throughout our beautiful Atlantic coastal communities and helping professionals in our expanding medical and service industries secure their futures. My goal is to provide personalized life and health insurance solutions to fit your specific situation, ensuring your loved ones are protected. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Richard O. Watson Judicial Center
Flagler Hospital
Anastasia State Park

NPN17209549FL LicenseW840529

How St Johns County compares to Florida

FLORIDA · 21.6M RESIDENTS ST JOHNS COUNTY · 279K RESIDENTS

21,634,529 FLORIDA POPULATION ↳ 1 cell ≈ 100,000 residents

278,722 ST JOHNS COUNTY RESIDENTS ↳ 1.3% of Florida residents

Underwriting Guidelines

What are the primary life insurance underwriting factors in St Johns County, FL?

Life insurance carriers price St Johns County's ~320,000 residents — 8.9% lacking health insurance — against the local health profile: High blood pressure (34.6%), High cholesterol (31.4%), Obesity (29.2%) adult prevalence per current CDC PLACES data.

Local Health Data

📊 Top Health Considerations (CDC)

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 County Resources

NACo County Profile .ORG
Population ~320,000
Lack of health insurance (18–64) 8.9%

Healthcare-access indicator. Higher rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).
FIPS code 12109

View on Google Maps

St Johns Board-Commissioners

Open now · Mon 8:00 AM – 5:00 PM

(904) 209-0300

500 San Sebastian View, St. Augustine, FL 32084, USA

Products Available

Nine product lines available in St Johns County.

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.

Explore Term Life Options 💎 Life Insurance

Whole Life

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

Explore Whole Life Options 📈 Life Insurance

Universal Life

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

Explore Universal Life Options 🏥 Supplemental Health

Critical Illness

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

Explore Critical Illness Options 🏨 Supplemental Health

Hospital Indemnity

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

Explore Hospital Indemnity Options ⚡ Supplemental Health

Accident & Injury

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

Explore Accident Coverage Options 🏢 Business

Business Life

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

Explore Business Life Options 🔑 Specialized

Special Situations

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

Explore Special Situations Options 🕊️ Life Insurance

Final Expense

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

Explore Final Expense Options

Browse St Johns County

Find coverage in your area.

Coverage is local across all 16 St Johns County cities — select your community below for product-specific underwriting and a direct line to your licensed agent.

📍 Cities in St Johns County

16Cities

Elkton Hastings Ponte Vedra Beach Saint Augustine Butler Beach Flagler Estates Fruit Cove Nocatee Palm Valley St. Augustine St. Augustine Beach St. Augustine Shores St. Augustine South Sawgrass Vilano Beach World Golf Village

🔍 Popular Searches

City × product — what St Johns County residents search for

🛡️ Life Insurance

Elkton Term Life Insurance Term→Hastings Term Life Insurance Term→Ponte Vedra Beach Term Life Insurance Term→Elkton Whole Life Insurance Whole→

🏥 Supplemental Health

Elkton Critical Illness Insurance Critical→Hastings Hospital Indemnity Plans Hospital→Ponte Vedra Beach Accident & Injury Coverage Accident→

🏢 Business & Notary

Elkton Key Person Insurance Business→

Regional Risk Matrix

Localized policy options by product line.

Review active risk variables, carrier compliance parameters, and regional premium classifications specific to your county.

🛡️ Term Life

16 Cities

Affordable Elkton Term Life Elkton income protection. Affordable term life for families in St Johns County. Top-Rated Hastings Term Life Level premiums for Hastings families. 10, 20, or 30-year terms available. Compare Ponte Vedra Beach Term Life Compare Ponte Vedra Beach term life rates from top carriers. Living benefits included. Best Saint Augustine Term Life Saint Augustine family coverage. Income replacement from a verified FL agent. Local Butler Beach Term Life Affordable term life in Butler Beach, St Johns County. Expert guidance from a 12-year agent. Affordable Flagler Estates Term Life Flagler Estates income protection. Affordable term life for families in St Johns County. Top-Rated Fruit Cove Term Life Level premiums for Fruit Cove families. 10, 20, or 30-year terms available. Compare Nocatee Term Life Compare Nocatee term life rates from top carriers. Living benefits included. Best Palm Valley Term Life Palm Valley family coverage. Income replacement from a verified FL agent. Local St. Augustine Term Life Affordable term life in St. Augustine, St Johns County. Expert guidance from a 12-year agent. Affordable St. Augustine Beach Term Life St. Augustine Beach income protection. Affordable term life for families in St Johns County. Top-Rated St. Augustine Shores Term Life Level premiums for St. Augustine Shores families. 10, 20, or 30-year terms available. Compare St. Augustine South Term Life Compare St. Augustine South term life rates from top carriers. Living benefits included. Best Sawgrass Term Life Sawgrass family coverage. Income replacement from a verified FL agent. Local Vilano Beach Term Life Affordable term life in Vilano Beach, St Johns County. Expert guidance from a 12-year agent. Affordable World Golf Village Term Life World Golf Village income protection. Affordable term life for families in St Johns County.

💎 Whole Life

16 Cities

Affordable Elkton Whole Life Elkton permanent coverage. Cash value accumulation plus lifetime protection. Top-Rated Hastings Whole Life Build wealth in Hastings with whole life. Tax-deferred cash value growth. Compare Ponte Vedra Beach Whole Life Ponte Vedra Beach legacy protection. Permanent coverage with guaranteed cash value. Best Saint Augustine Whole Life Whole life insurance for Saint Augustine families. Coverage that never expires. Local Butler Beach Whole Life Butler Beach estate planning. Whole life from a verified FL agent. Affordable Flagler Estates Whole Life Flagler Estates permanent coverage. Cash value accumulation plus lifetime protection. Top-Rated Fruit Cove Whole Life Build wealth in Fruit Cove with whole life. Tax-deferred cash value growth. Compare Nocatee Whole Life Nocatee legacy protection. Permanent coverage with guaranteed cash value. Best Palm Valley Whole Life Whole life insurance for Palm Valley families. Coverage that never expires. Local St. Augustine Whole Life St. Augustine estate planning. Whole life from a verified FL agent. Affordable St. Augustine Beach Whole Life St. Augustine Beach permanent coverage. Cash value accumulation plus lifetime protection. Top-Rated St. Augustine Shores Whole Life Build wealth in St. Augustine Shores with whole life. Tax-deferred cash value growth. Compare St. Augustine South Whole Life St. Augustine South legacy protection. Permanent coverage with guaranteed cash value. Best Sawgrass Whole Life Whole life insurance for Sawgrass families. Coverage that never expires. Local Vilano Beach Whole Life Vilano Beach estate planning. Whole life from a verified FL agent. Affordable World Golf Village Whole Life World Golf Village permanent coverage. Cash value accumulation plus lifetime protection.

📈 Universal Life

16 Cities

Affordable Elkton Universal Life Elkton flexible life insurance. Index-linked growth with adjustable premiums. Top-Rated Hastings Universal Life IUL options in Hastings. Cash value tied to market indexes without market risk. Compare Ponte Vedra Beach Universal Life Ponte Vedra Beach universal life. Flexible coverage adapting to your financial goals. Best Saint Augustine Universal Life Adjustable premiums and death benefit in Saint Augustine from a verified agent. Local Butler Beach Universal Life Butler Beach IUL coverage. Tax-free retirement income strategy for professionals. Affordable Flagler Estates Universal Life Flagler Estates flexible life insurance. Index-linked growth with adjustable premiums. Top-Rated Fruit Cove Universal Life IUL options in Fruit Cove. Cash value tied to market indexes without market risk. Compare Nocatee Universal Life Nocatee universal life. Flexible coverage adapting to your financial goals. Best Palm Valley Universal Life Adjustable premiums and death benefit in Palm Valley from a verified agent. Local St. Augustine Universal Life St. Augustine IUL coverage. Tax-free retirement income strategy for professionals. Affordable St. Augustine Beach Universal Life St. Augustine Beach flexible life insurance. Index-linked growth with adjustable premiums. Top-Rated St. Augustine Shores Universal Life IUL options in St. Augustine Shores. Cash value tied to market indexes without market risk. Compare St. Augustine South Universal Life St. Augustine South universal life. Flexible coverage adapting to your financial goals. Best Sawgrass Universal Life Adjustable premiums and death benefit in Sawgrass from a verified agent. Local Vilano Beach Universal Life Vilano Beach IUL coverage. Tax-free retirement income strategy for professionals. Affordable World Golf Village Universal Life World Golf Village flexible life insurance. Index-linked growth with adjustable premiums.

🏥 Critical Illness

16 Cities

Affordable Elkton Critical Illness Elkton critical illness protection. Lump-sum cash on diagnosis. Top-Rated Hastings Critical Illness Cancer, stroke, heart attack — cash benefits for Hastings families. Compare Ponte Vedra Beach Critical Illness Ponte Vedra Beach supplemental coverage. Critical illness pays regardless of health plan. Best Saint Augustine Critical Illness Lump-sum critical illness in Saint Augustine from a verified FL agent. Local Butler Beach Critical Illness Butler Beach critical illness plans. Financial safety net when it matters most. Affordable Flagler Estates Critical Illness Flagler Estates critical illness protection. Lump-sum cash on diagnosis. Top-Rated Fruit Cove Critical Illness Cancer, stroke, heart attack — cash benefits for Fruit Cove families. Compare Nocatee Critical Illness Nocatee supplemental coverage. Critical illness pays regardless of health plan. Best Palm Valley Critical Illness Lump-sum critical illness in Palm Valley from a verified FL agent. Local St. Augustine Critical Illness St. Augustine critical illness plans. Financial safety net when it matters most. Affordable St. Augustine Beach Critical Illness St. Augustine Beach critical illness protection. Lump-sum cash on diagnosis. Top-Rated St. Augustine Shores Critical Illness Cancer, stroke, heart attack — cash benefits for St. Augustine Shores families. Compare St. Augustine South Critical Illness St. Augustine South supplemental coverage. Critical illness pays regardless of health plan. Best Sawgrass Critical Illness Lump-sum critical illness in Sawgrass from a verified FL agent. Local Vilano Beach Critical Illness Vilano Beach critical illness plans. Financial safety net when it matters most. Affordable World Golf Village Critical Illness World Golf Village critical illness protection. Lump-sum cash on diagnosis.

🏨 Hospital Indemnity

16 Cities

⚡ Accident & Injury

16 Cities

Affordable Elkton Accident & Injury Elkton accident coverage. 24/7 protection for active families. Top-Rated Hastings Accident & Injury Accident & injury plans in Hastings. ER, fractures, dislocations covered. Compare Ponte Vedra Beach Accident & Injury Ponte Vedra Beach accidental injury insurance. Cash benefits from day one. Best Saint Augustine Accident & Injury Protect your Saint Augustine family. Accident coverage from $10/mo. Local Butler Beach Accident & Injury Butler Beach accident insurance from a verified FL agent. Affordable Flagler Estates Accident & Injury Flagler Estates accident coverage. 24/7 protection for active families. Top-Rated Fruit Cove Accident & Injury Accident & injury plans in Fruit Cove. ER, fractures, dislocations covered. Compare Nocatee Accident & Injury Nocatee accidental injury insurance. Cash benefits from day one. Best Palm Valley Accident & Injury Protect your Palm Valley family. Accident coverage from $10/mo. Local St. Augustine Accident & Injury St. Augustine accident insurance from a verified FL agent. Affordable St. Augustine Beach Accident & Injury St. Augustine Beach accident coverage. 24/7 protection for active families. Top-Rated St. Augustine Shores Accident & Injury Accident & injury plans in St. Augustine Shores. ER, fractures, dislocations covered. Compare St. Augustine South Accident & Injury St. Augustine South accidental injury insurance. Cash benefits from day one. Best Sawgrass Accident & Injury Protect your Sawgrass family. Accident coverage from $10/mo. Local Vilano Beach Accident & Injury Vilano Beach accident insurance from a verified FL agent. Affordable World Golf Village Accident & Injury World Golf Village accident coverage. 24/7 protection for active families.

🏢 Business Life

16 Cities

Affordable Elkton Business Life Elkton key person insurance. Protect your business continuity. Top-Rated Hastings Business Life Buy-sell agreement coverage in Hastings. SBA loan compliant. Compare Ponte Vedra Beach Business Life Ponte Vedra Beach business life insurance. Key employee retention coverage. Best Saint Augustine Business Life Business continuity protection in Saint Augustine from a 12-year agent. Local Butler Beach Business Life Butler Beach key person and partnership coverage. FL licensed. Affordable Flagler Estates Business Life Flagler Estates key person insurance. Protect your business continuity. Top-Rated Fruit Cove Business Life Buy-sell agreement coverage in Fruit Cove. SBA loan compliant. Compare Nocatee Business Life Nocatee business life insurance. Key employee retention coverage. Best Palm Valley Business Life Business continuity protection in Palm Valley from a 12-year agent. Local St. Augustine Business Life St. Augustine key person and partnership coverage. FL licensed. Affordable St. Augustine Beach Business Life St. Augustine Beach key person insurance. Protect your business continuity. Top-Rated St. Augustine Shores Business Life Buy-sell agreement coverage in St. Augustine Shores. SBA loan compliant. Compare St. Augustine South Business Life St. Augustine South business life insurance. Key employee retention coverage. Best Sawgrass Business Life Business continuity protection in Sawgrass from a 12-year agent. Local Vilano Beach Business Life Vilano Beach key person and partnership coverage. FL licensed. Affordable World Golf Village Business Life World Golf Village key person insurance. Protect your business continuity.

🔑 Special Situations

16 Cities

Affordable Elkton Special Situations Elkton pre-existing condition coverage. Marijuana, diabetes, DUI accepted. Top-Rated Hastings Special Situations High-risk life insurance in Hastings. Foreign nationals and visa holders. Compare Ponte Vedra Beach Special Situations Ponte Vedra Beach coverage for ages 60-85. No medical exam options available. Best Saint Augustine Special Situations Special situations insurance in Saint Augustine. Substandard risk specialists. Local Butler Beach Special Situations Butler Beach high-risk coverage from a verified FL agent. Affordable Flagler Estates Special Situations Flagler Estates pre-existing condition coverage. Marijuana, diabetes, DUI accepted. Top-Rated Fruit Cove Special Situations High-risk life insurance in Fruit Cove. Foreign nationals and visa holders. Compare Nocatee Special Situations Nocatee coverage for ages 60-85. No medical exam options available. Best Palm Valley Special Situations Special situations insurance in Palm Valley. Substandard risk specialists. Local St. Augustine Special Situations St. Augustine high-risk coverage from a verified FL agent. Affordable St. Augustine Beach Special Situations St. Augustine Beach pre-existing condition coverage. Marijuana, diabetes, DUI accepted. Top-Rated St. Augustine Shores Special Situations High-risk life insurance in St. Augustine Shores. Foreign nationals and visa holders. Compare St. Augustine South Special Situations St. Augustine South coverage for ages 60-85. No medical exam options available. Best Sawgrass Special Situations Special situations insurance in Sawgrass. Substandard risk specialists. Local Vilano Beach Special Situations Vilano Beach high-risk coverage from a verified FL agent. Affordable World Golf Village Special Situations World Golf Village pre-existing condition coverage. Marijuana, diabetes, DUI accepted.

🕊️ Final Expense

16 Cities

Affordable Elkton Final Expense Elkton burial insurance. No medical exam plans from $5K to $50K. Top-Rated Hastings Final Expense Final expense in Hastings. Protect your family from end-of-life costs. Compare Ponte Vedra Beach Final Expense Affordable Ponte Vedra Beach burial coverage. Premiums locked — never increase. Best Saint Augustine Final Expense Saint Augustine guaranteed issue plans. Same-day approval available. Local Butler Beach Final Expense Final expense for Butler Beach seniors. Coverage from a 12-year FL agent. Affordable Flagler Estates Final Expense Flagler Estates burial insurance. No medical exam plans from $5K to $50K. Top-Rated Fruit Cove Final Expense Final expense in Fruit Cove. Protect your family from end-of-life costs. Compare Nocatee Final Expense Affordable Nocatee burial coverage. Premiums locked — never increase. Best Palm Valley Final Expense Palm Valley guaranteed issue plans. Same-day approval available. Local St. Augustine Final Expense Final expense for St. Augustine seniors. Coverage from a 12-year FL agent. Affordable St. Augustine Beach Final Expense St. Augustine Beach burial insurance. No medical exam plans from $5K to $50K. Top-Rated St. Augustine Shores Final Expense Final expense in St. Augustine Shores. Protect your family from end-of-life costs. Compare St. Augustine South Final Expense Affordable St. Augustine South burial coverage. Premiums locked — never increase. Best Sawgrass Final Expense Sawgrass guaranteed issue plans. Same-day approval available. Local Vilano Beach Final Expense Final expense for Vilano Beach seniors. Coverage from a 12-year FL agent. Affordable World Golf Village Final Expense World Golf Village burial insurance. No medical exam plans from $5K to $50K.

Official Resources

Know your rights in St Johns County.

State and federal resources for insurance consumers. Verify, research, protect.

Florida Office of Insurance Regulation

File complaints, verify agent licenses, and understand your rights under Florida insurance law. FL OIR regulates all insurance in Florida.

Visit floir.gov →.GOV

Verify Agent License (NIPR)

Look up June's National Producer Number (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides from the National Association of Insurance Commissioners on choosing coverage and filing complaints.

Visit content.naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for when buying life insurance and your federal protections.

Visit www.iii.org →.GOV

Frequently Asked Questions

St Johns County insurance — answered.

Six questions covering all product lines. Every answer St Johns County-specific.

💰

How much does life insurance cost in St Johns County?

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.

St Johns County

🏙️

What cities does June serve in St Johns County?

All 16 municipalities in St Johns County, including Elkton, Hastings, Ponte Vedra Beach, Saint Augustine, Butler Beach, Flagler Estates. Each location has access to the full range of life insurance products — term life, whole life, IUL, final expense, and supplemental health — through a licensed independent agent.

16 Cities

🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for diabetes, high blood pressure, heart disease, and cancer history. Options include simplified-issue and guaranteed-issue policies. Rates vary by carrier.

Special Situations

📋

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

⚱️

What is the average FL funeral cost?

Approximately $9,443 in Florida. Final expense insurance covers burial, memorial, and medical bills — helping St Johns County families avoid this burden.

FL Data

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