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Home›Florida›Volusia County›Daytona Beach Shores›Special Situations Insurance

June Marcia Williams — Licensed Special Situations Insurance Agent in Daytona Beach Shores, FL
June Marcia Williams
Your Insurance Agent in Daytona Beach Shores, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Daytona Beach Shores, FL...
National Producer No.
17209549
Verify ↗

Special Situations Insurance in Daytona Beach Shores, FL

Table-rated, guaranteed issue, and simplified issue options.

Special-situation life insurance for Daytona Beach Shores, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — coverage paths for diabetes, heart conditions, and prior diagnoses, 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 · Daytona Beach Shores, FL

Daytona Beach Shores, FL — Your Local Producer

Hello, Daytona Beach Shores! Life along our beautiful stretch of Volusia County coastline is truly special, and I believe in protecting the families who call this place home. As a local licensed insurance producer, I'm June Marcia Williams, and I'm dedicated to helping my neighbors understand their options for personal insurance. From Term and Whole Life to Final Expense and supplemental health plans like Critical Illness or Hospital Indemnity, I provide clear, one-on-one guidance. My focus is on your unique situation, helping you secure peace of mind. (NPN: 17209549, Florida License No: W840529)

  • Daytona Beach Shores City Hall
  • McElroy Park
  • Sunglow Pier
NPN17209549FL LicenseW840529

Licensed Special Situations Producers in Daytona Beach Shores

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

AS
Anand Manilal Shah
Life Including Variable Annuity & Health
NPN 21007668 Licensed 2023
CH
Connie Cunningham Hayes
Life Including Variable Annuity & Health
NPN 19502527 Licensed 2020
DM
Daniel Joseph Morris
Life Including Variable Annuity & Health
NPN 19028636 Licensed 2019
DP
David Richard Plimpton
Life Including Variable Annuity & Health
NPN 20601141 Licensed 2023
DM
Douglas George Meyerhoff
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 3625268 Licensed 2005
DS
Douglas M Smith
Life Including Variable Annuity & Health
NPN 21372229 Licensed 2024
DB
Douglas Mark Beller
Life Including Variable Annuity & Health
NPN 6373116 Licensed 2002
GS
Ginger Anne Sanders
Life Including Variable Annuity & Health
NPN 10366488 Licensed 2008
GJ
Gregory D Jensen
Life Including Variable Annuity & Health
NPN 19223877 Licensed 2019
GS
Gwendolyn Slater
Life Including Variable Annuity & Health
NPN 1032282 Licensed 1999
HK
Hannah N Kesler
Life Including Variable Annuity & Health
NPN 18557844 Licensed 2018
HA
Hilary Allen
Life Including Variable Annuity & Health
NPN 18842822 Licensed 2018
HD
Hong Dai
Life Including Variable Annuity & Health
NPN 713658 Licensed 2025
JT
James Jerome Tully
Life Including Variable Annuity & Health
NPN 545552 Licensed 2011
JS
Jerry Dean Stanforth
Life Including Variable Annuity & Health
NPN 510813 Licensed 2026
JP
John Martin Pastre
Life Including Variable Annuity & Health
NPN 17756585 Licensed 2015
KB
Kare Mattias Backstrom
Life Including Variable Annuity & Health
NPN 1473669 Licensed 2015
KR
Kelly Ann Rinehimer
Life Including Variable Annuity & Health
NPN 19437183 Licensed 2024
LF
Linda A Ferguson
Life Including Variable Annuity & Health
NPN 3635784 Licensed 2000
MB
Mandy Beth Brown
Life Including Variable Annuity & Health
NPN 20497361 Licensed 2022
ML
Matthew Christopher La-Fiura
Life Including Variable Annuity & Health
NPN 20978378 Licensed 2023
MR
Matthew S Reynolds
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 9726451 Licensed 2007
RD
Rachael Ann Dyson
Life Including Variable Annuity & Health
NPN 17747232 Licensed 2015
RL
Rizalina Leuterio
Life Including Variable Annuity & Health
NPN 21142939 Licensed 2024
View all 27 licensed special situations producers in Daytona Beach Shores →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Special Situations Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Special Situations Insurance across the Daytona Beach Shores regional market. Rates are localized using regional health baselines.

Official Daytona Beach Shores Resources

County Volusia County
Population ~5,087
Lack of insurance (18–64) 11.5%
FIPS code 1216550

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 Daytona Beach Shores rates. Start your quote request below.

FL OIR .GOV Volusia County Gov Portal .GOV
Google Maps
4.2 10 reviews
City of Daytona Beach Shores City Hall photo 1City of Daytona Beach Shores City Hall photo 2City of Daytona Beach Shores City Hall photo 3City of Daytona Beach Shores City Hall photo 4
Photos by WMB 4Him , Herve Andrieu , David Lockwood , TheCHIEF BIGFAITH via Google Maps
View on Google Maps
City of Daytona Beach Shores City Hall
Open now · Mon 8:00 AM – 4:30 PM
(386) 763-5353
dbshores.org
2990 S Atlantic Ave, Daytona Beach Shores, FL 32118, USA
Recent Reviews
Joe Clements ★★★★★
"I have been a builder in Florida for forty years. I was also a planning zoning commissioner in Florida. Daytona Beach Shores is without a doubt the most customer friendly Building Planning and Zoning …"
Todd MacDonald ★★★★★
"The Daytona Beach Shores Building Department was awesome to work with. The staff from start to finish on a new home build were amazing. Cheryl in permitting & Matt the inspector were always helpful an…"
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 Special Situations Guide →

Select your coverage below to see your price in seconds.

Tell Us About Your Situation

Judgment-free coverage for unique health or lifestyle needs — no obligation — let June find your best match

✅

We can help with your situation!

June specializes in hard-to-place cases — pre-existing conditions, prior declines, high-risk occupations, and more. Enter your contact info so she can review your situation personally.

Confidential · Never shared · June responds within 30 min
✅

Review Request Sent!

June will review your situation and 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

Special Situations Options

Most Common

Health Challenges

Pre-existing conditions & declines
  • Diabetes, heart disease, cancer history
  • Table-rated underwriting (A-H)
  • Guaranteed issue (no health questions)
  • Graded benefit whole life
  • Multiple carriers = more options
Get Quote

Age & Lifestyle

Seniors, tobacco, DUI history
  • Issue ages up to 85 (final expense)
  • Tobacco/cannabis classes available
  • DUI: eligible after 5 years (most carriers)
  • Simplified issue — no exam
  • No-lapse guaranteed coverage
Get Quote

Non-Standard Risks

Foreign nationals, hazardous jobs
  • Green card + select visa holders
  • Hazardous occupations evaluated
  • Aviation exclusion riders
  • Foreign travel considerations
  • ITIN program eligible
Get Quote
📖 Special Situations Knowledge

Coverage Options for Pre-Existing Conditions & Special Cases

🚫

Why People Get Declined

Common reasons: diabetes, heart disease, cancer history, obesity, mental health conditions, DUI, hazardous occupation, or tobacco use. But a decline from one carrier doesn't mean no coverage. Different carriers have different underwriting guidelines — what's a decline at Company A might be standard at Company B. June shops across 7 carriers to find your best option.

📊

Table Ratings Explained

Table ratings (A through H) are premium surcharges for applicants who don't qualify for standard rates. Table A = 25% above standard, Table H = 200% above standard. Each table adds approximately 25%. This sounds expensive, but table-rated coverage is still real coverage — and it's infinitely better than no coverage. Many conditions that were Table D five years ago are now Standard.

✅

Guaranteed Issue: No Questions Asked

Guaranteed issue means exactly what it sounds like — you cannot be declined. No health questions, no medical exam, no blood work. The tradeoff: coverage amounts are lower ($5K-$50K typically) and there's usually a 2-3 year graded benefit period. After the waiting period, full death benefit applies. For people who've been declined everywhere else, this is the safety net.

🌍

Foreign Nationals & Visa Holders

Coverage available for Green Card holders and select visa types (E-1, E-2, H-1B, L-1, and their dependents). Requirements: valid immigration docs, 12+ months US residency, $20K+ annual income from US sources. Some carriers also accept ITIN candidates. Living benefit riders (chronic/critical illness) available to permanent residents. June navigates the immigration + insurance intersection.

🚬

Tobacco, Cannabis & Substance Use

Tobacco users pay higher premiums but are absolutely insurable. Most carriers have separate tobacco rate classes. Cannabis: Several of our carrier partners treat occasional marijuana use as non-tobacco if no other tobacco products are used. Substance abuse history: Generally requires 3-5 years clean with no treatment. Each carrier evaluates differently — June knows which ones are most lenient.

⚖️

Florida Consumer Protections

Florida law prohibits unfair discrimination in life insurance underwriting — decisions must be based on actuarial data, not arbitrary factors. All policies include a 14-day free-look period (Fla. Stat. § 627.4554). Guaranteed issue policies cannot impose pre-existing condition exclusions beyond the graded benefit period stated in the policy. June advocates for your right to coverage under Florida insurance regulations.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. 7 carriers, 33 products.
Life Insurance in Daytona Beach Shores

More Insurance Options in Daytona Beach Shores, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🕊️ Final Expense
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

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Use NIPR's lookup tool to verify any agent's National Producer Number and active state licenses.

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Frequently Asked Questions

Special Situations FAQ

🚫

I was declined — can I still get coverage?

Almost certainly yes. A decline from one carrier doesn't mean uninsurable. June works with 7 carriers with different guidelines. Guaranteed issue options exist where no one is turned away.

🏥

Can I get coverage with diabetes?

Yes. Well-controlled diabetes (Type 1 or 2) can often qualify for table-rated coverage. Some carriers are more favorable than others. June matches your specific health profile to the most lenient underwriter.

👴

Is there coverage for people over 80?

Yes. Final expense and guaranteed issue products are available up to age 85. No medical exam required. Coverage amounts typically $5,000-$35,000 with level premiums for life.

🚗

Can I get coverage with a DUI on my record?

Yes, typically after 5 years. Most carriers require no DUI or reckless driving in the past 5 years for standard rates. Some offer coverage sooner at table ratings. June knows which carriers are most flexible.

🌍

Can non-US citizens get life insurance?

Yes. Green card holders and select visa types (E, H-1B, L-1) are eligible. Requirements include valid docs, 12+ months US residency, and US-based income. ITIN candidates may also qualify.

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The Eustis Legacy Plan

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Fruitland Park Wealth Strategy

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Groveland Wealth Strategy

Personalized Special Situations quotes for Groveland residents — no obligation.

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Leesburg Coverage Guide

Dedicated Special Situations coverage page for Leesburg with local agent support.

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Minneola Life Protection

Special Situations protection tailored to Minneola families and businesses.

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Montverde Life Protection

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Mount Dora Wealth Strategy

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Special Situations protection tailored to Umatilla families and businesses.

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Read the Full Special Situations Consumer Guide →

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

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