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Home›Florida›St Johns County›Fruit Cove

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

Securing Families Across St Johns County with 9 Tailored Product Lines

Why Fruit Cove Residents Rely on June for Complete Peace of Mind

Your local licensed agent in Fruit Cove, St Johns County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, FL #W840529) writes life insurance for Fruit Cove, St Johns 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 · Fruit Cove, FL

Fruit Cove, FL — Your Local Producer

Hello, Fruit Cove neighbors! Living here in St. Johns County, with its beautiful river views and strong community spirit, is something special. It's a place where we all want to protect what matters most—our families and our futures. As a local licensed insurance producer, I'm here to help you navigate your options for life, final expense, and health-related insurance. My goal is to provide clear, straightforward guidance so you can find the right coverage for your unique needs. Let's chat about securing your peace of mind. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • Julington Creek Plantation Park
  • Fruit Cove Middle School
  • Intersection of State Road 13 and Race Track Road
NPN17209549FL LicenseW840529

Fruit Cove is home to approximately 35,300 residents in St Johns County, with a median age of 41.5 and a median household income of $135,000. About 85% of homes are owner-occupied; the median home value is $407,000. 52% of adults hold a bachelor's degree or higher; households with children make up 44%; veterans comprise 10% of residents. Average household size is 3.1. These demographic markers shape which life insurance products fit Fruit Cove households.

How Fruit Cove compares to St Johns County

ST JOHNS COUNTY · 279K RESIDENTS FRUIT COVE · 35K RESIDENTS
St Johns County vs Fruit Cove — population comparison St Johns County: 278,722 residents. Fruit Cove: 35,333 residents, 12.7% of St Johns County population.
278,722 ST JOHNS COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
35,333 FRUIT COVE RESIDENTS ↳ 12.7% of St Johns County residents
Underwriting Guidelines

Can I get life insurance with high blood pressure in Fruit Cove, FL?

Yes. St Johns County's health profile — 279,000 residents, 8.9% uninsured, 29.6% adults with high blood pressure, 34.8% with high cholesterol — shapes how A-rated carriers tier rate classes for Fruit Cove applicants. Standard or Preferred is achievable when high blood pressure is well-controlled; substandard tables apply when control is recent or partial.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Fruit Cove (CITY) High cholesterol: 34.8%. High blood pressure: 29.6%. Obesity: 28%. Diagnosed diabetes: 8.5%. Current cigarette smoking: 9.2%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · FRUIT COVE High cholesterol 34.8% High blood pressure 29.6% Obesity 28.0% Diagnosed diabetes 8.5% Current cigarette smoking 9.2% 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

St Johns County Gov Portal .GOV
Population ~35,333
Lack of health insurance (18–64) 7.6%

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

FIPS code 1224925
Google Maps
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Fruit Cove
Fruit Cove, FL 32259, USA
Available in Fruit Cove

Life Insurance Products in Fruit Cove, FL

9 insurance products available in Fruit Cove

🛡️ 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 St Johns County and Nearby Florida Counties

Life Insurance by City Near Fruit Cove, FL

2,852 licensed producers on public record in St Johns County.

🌟 Cities Served near Fruit Cove

22 Cities · 3 Counties
Duval County8
Atlantic BeachBaldwinBlack HammockCecil Field NasJacksonvilleJacksonville BeachJacksonville Naval Air StationNeptune Beach
St Johns CountyHome10
Butler BeachElktonFlagler EstatesHastingsNocateePonte Vedra BeachSaint AugustineSt. Augustine BeachSt. Augustine ShoresWorld Golf Village
Bradford County4
BrookerHamptonLawteyStarke
Official Resources

Know your rights in Fruit Cove.

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

Fruit Cove Life Insurance Questions

💰

How much does life insurance cost in Fruit Cove?

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.

Fruit Cove
📋

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 Fruit Cove?

Yes. June serves all of Fruit Cove and every municipality in St Johns 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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