June Marcia Williams

Your Insurance Agent in Chipley, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Chipley, FL...

National Producer No.

17209549

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Final Expense Insurance in Chipley, FL

No medical exam. Ages 50-85. Guaranteed acceptance available.

Final expense insurance for Chipley, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — simplified-issue funeral and burial coverage from age 50 to 85, 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 · Chipley, FL

Chipley, FL — Your Local Producer

For my neighbors in Chipley and across Washington County, I know our community is built on taking care of family and planning for the future. As a licensed insurance producer right here in Florida, my goal is to help you do just that. I'm June Marcia Williams (NPN: 17209549, Florida License No: W840529), and I'm here to help you navigate your options for personal insurance, whether it's Term Life, Whole Life, Final Expense, or policies for critical illness and accidents. I offer personalized guidance to find coverage that fits your unique situation.

Washington County Courthouse
Falling Waters State Park
Pals Park

NPN17209549FL LicenseW840529

Licensed Final Expense Producers in Chipley

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

Alec Richard Saunders

Life Including Variable Annuity & Health

NPN 17441363 Licensed 2014

Alexandra Nichole Spurlock

Life Including Variable Annuity & Health

NPN 20128733 Licensed 2021

Alicia Ammons

Life Including Variable Annuity & Health

NPN 11609088 Licensed 2022

Anita S Lee

Life Including Variable Annuity & Health

NPN 8928808 Licensed 2006

Ashley Alyssa Cumbie

Life Including Variable Annuity & Health

NPN 19688371 Licensed 2020

Aura Nicole Tate

Life Including Variable Annuity & Health

NPN 21355839 Licensed 2024

Barry Lynn Massey

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 555743 Licensed 2000

Beau Brandon Owen

Life Including Variable Annuity & Health

NPN 20470718 Licensed 2022

Bobby Wayne Jencks

Life Including Variable Annuity & Health

NPN 21716615 Licensed 2025

Brandi Renee' Rochester

Life Including Variable Annuity & Health

NPN 19262376 Licensed 2019

Briar Morris

Life Including Variable Annuity & Health

NPN 21535137 Licensed 2025

Brittany Johnson

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 15535577 Licensed 2014

Carmen Carmelo

Life Including Variable Annuity & Health

NPN 16263197 Licensed 2024

Cherl Lynn Mcleroy

Life Including Variable Annuity & Health

NPN 18378751 Licensed 2017

Chloe Dean Sanders

Life Including Variable Annuity & Health

NPN 20521830 Licensed 2022

Craig Adam Dellwo

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 8647213 Licensed 2006

Danielle Chambers Rowe

Life Including Variable Annuity & Health

NPN 18430181 Licensed 2017

Dante B Mckinnie

Life Including Variable Annuity & Health

NPN 21646701 Licensed 2025

Darian Leonberger

Life Including Variable Annuity & Health

NPN 20770875 Licensed 2023

Elwyn Juadon Smith

Life Including Variable Annuity & Health

NPN 8261379 Licensed 2021

Erica Michelle Buckbee

Life Including Variable Annuity & Health

NPN 19450813 Licensed 2020

Garland Stuart Gibson

Life Including Variable Annuity & Health

NPN 20970783 Licensed 2023

Harry E Barton

Life & Health (2-15) and General Lines / P&C (2-20)

NPN 491070 Licensed 1981

Inez K Nowell

Life Including Variable Annuity & Health

NPN 480320 Licensed 2007

View all 58 licensed final expense producers in Chipley →

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

Final Expense Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Final Expense Insurance across the Chipley regional market. Rates are localized using regional health baselines.

Official Chipley Resources

County Washington County

Population ~3,644

Lack of insurance (18–64) 15.6%

FIPS code 1211975

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 Chipley rates. Start your quote request below.

FL OIR .GOV Washington County Gov Portal .GOV

3.0 4 reviews

View on Google Maps

Chipley City Hall

Open now · Mon 8:00 AM – 4:00 PM

(850) 638-6350

cityofchipley.com

1442 W Jackson Ave, Chipley, FL 32428, USA

Recent Reviews

Tabitha Maneiro ★☆☆☆☆

"Was charged a reconnection fee of $31 on my water bill when my water was never turned off. They say they have a work order that says they cut it off and turned it back on the next day. I explained to …"

Koala Bean ★★★★★

"Patty was so kind and helpful to my husband and I while we were in need on the right steps to take with our family business. Thanks again to Patty and the helpful staff this morning. We appreciate it."

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 Final Expense Guide →

Select your coverage below to see your price in seconds.

See If You Qualify — No Exam Required

Remove the financial burden from loved ones — no obligation — guaranteed acceptance options available

How much burial coverage do you need?

$5K

$10K

$15K

$20K

$25K

$35K

What matters most to you?

Funeral Costs

Medical Bills

Both

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Yes

Have you been diagnosed with or treated for cancer, heart disease, stroke, COPD, or organ failure?

Yes

Have you been hospitalized in the past 2 years (other than for routine procedures)?

Yes

Do you currently use a wheelchair, oxygen, or receive home health care?

Yes

Have you been diagnosed with diabetes requiring insulin?

Yes

First Name

Last Name

Phone

Zip Code

⚡ Call me ASAP — I want to speak with an agent as soon as possible

Your info is secure and never shared. June will contact you within minutes with personalized quotes. Pre-qualification is an estimate — final rates determined by carrier underwriting.

✅

Quote Request Received!

June will contact you within minutes with personalized quotes 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

Your illustrative monthly estimate Example: $10,000 coverage — select your amount above for your range.

Compare Plans

Final Expense Options

Best Value

Preferred Plan

Full benefit from day one

100% death benefit immediately
Ages 50-85, up to $35K
No medical exam
Accidental Death rider available
Terminal illness rider included

Get Quote

Standard Plan

Full benefit from day one

100% death benefit immediately
Ages 50-85, up to $20K
No medical exam
Some health conditions OK
Level premiums for life

Get Quote

Guaranteed Issue Plan

Graded benefit — guaranteed

Years 1-2: premiums + 10% interest
Year 3+: full death benefit
Ages 50-80, up to $15K
No medical exam
Accidental death = full benefit yr 1

Get Quote

📖 Final Expense Knowledge

Everything You Need to Know About Final Expense Insurance

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What Is Final Expense Insurance?

Final expense is a small whole life policy designed to cover end-of-life costs — funeral, burial, cremation, outstanding medical bills, and legal fees. Coverage typically ranges from $5,000 to $50,000. Unlike traditional whole life, final expense is simplified issue — no medical exam, no blood work, just health questions.

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How Much Does a Funeral Cost in Florida?

According to the Choice Mutual 2026 / NFDA 2023, the median cost of a traditional funeral with burial in Florida is $8,023. The national median is $8,300. Cremation is less ($3,000–$6,000) but still a significant expense. Final expense insurance covers these costs so your family doesn't have to.

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Guaranteed Issue vs. Simplified Issue

Simplified issue (preferred/standard plans): answer health questions, no exam, immediate full benefit if approved. Guaranteed issue (guaranteed acceptance plans): no health questions at all — everyone qualifies — but has a 2-3 year graded benefit waiting period. Accidental death pays full benefit from day one on both.

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Irrevocable Burial Trusts & Medicaid

In Florida, an irrevocable burial trust funded by a final expense policy is exempt from Medicaid asset calculations. Florida exempts irrevocable prepaid funeral contracts with no dollar cap (Fla. Admin. Code R. 65A-1.712, SSI-Related Medicaid Resource Eligibility Criteria). See Florida guidance. June helps structure these correctly.

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Who Should Get Final Expense?

Final expense is designed for seniors ages 50-85 who want to ensure their funeral and end-of-life costs are covered without burdening family. It's also for anyone who has been declined for traditional coverage due to health conditions — guaranteed issue means no one is turned away. Fixed premiums, coverage for life.

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Florida Consumer Protections

Florida law provides a 14-day free-look period on all life insurance policies — return for a full refund, no questions asked (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing benefits and costs. State insurance regulators prohibit misleading "burial insurance" advertising that overstates coverage or understates limitations.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA.

Life Insurance in Chipley

More Insurance Options in Chipley, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations

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

Verify an Agent's NPN License

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

Visit nipr.com →.COM

Frequently Asked Questions

Final Expense Insurance FAQ

💰

How much does final expense cost?

Premiums vary by age, health, and coverage amount. Plans range from $5K-$35K. Premiums are level and never increase.

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Is a medical exam required?

No. No medical exam, no blood work, no health interview. Eligibility determined at point of sale from application questions.

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What does it cover?

Funeral, burial or cremation, casket, memorial, outstanding medical bills, and end-of-life expenses. Florida median funeral with burial: $8,023 (Choice Mutual 2026 / NFDA 2023).

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What's the graded benefit?

Basic plan: years 1-2 pay premiums + 10% interest if death occurs. Year 3+ pays full face amount. Accidental death = full benefit day one.

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Can I get coverage at age 80?

Yes. Ages 50-85 are eligible. Preferred up to $15K, Standard up to $10K at ages 81-85. Level premiums guaranteed.

Nearby Final Expense Coverage

Read the Full Final Expense Consumer Guide →

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

Talk to a real person. Today.

No automated phone trees. No chatbots. Schedule a time that works for you and a licensed agent with 12 years of experience calls you directly.

Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Final Expense Insurance in Chipley, FL

Chipley, FL — Your Local Producer

Licensed Final Expense Producers in Chipley

🕊️ Final Expense Insurance Underwriting Scope

🏛️ Official Chipley Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Qualify — No Exam Required

Quote Request Received!

Final Expense Options

Preferred Plan

Standard Plan

Guaranteed Issue Plan

Everything You Need to Know About Final Expense Insurance

What Is Final Expense Insurance?

How Much Does a Funeral Cost in Florida?

Guaranteed Issue vs. Simplified Issue

Irrevocable Burial Trusts & Medicaid

Who Should Get Final Expense?

Florida Consumer Protections

More Insurance Options in Chipley, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Final Expense Insurance FAQ

How much does final expense cost?

Is a medical exam required?

What does it cover?

What's the graded benefit?

Can I get coverage at age 80?

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Talk to a real person. Today.

Final Expense Insurance Underwriting Scope

Official Chipley Resources