June Marcia Williams

Your Insurance Agent in Glen St. Mary, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Glen St. Mary, FL...

National Producer No.

17209549

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Universal Life Insurance in Glen St. Mary, FL

Market-linked growth with guaranteed downside protection.

Universal life insurance for Glen St. Mary, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — flexible permanent coverage with cash accumulation, 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 · Glen St. Mary, FL

Glen St. Mary, FL — Your Local Producer

Hello, Glen St. Mary neighbors! In a close-knit community like ours here in Baker County, looking out for one another is just what we do. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping my fellow residents protect what matters most. Whether you're thinking about securing your family's future with Term or Whole Life insurance, planning for final expenses, or exploring options for critical illness or accident coverage, I'm here to help you navigate the choices with clear, straightforward information. (NPN: 17209549, Florida License No: W840529)

Glen St. Mary Town Hall
Baker County Middle School
U.S. Route 90

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Glen St. Mary

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

Abbigail Cain

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

NPN 21488586 Licensed 2025

Amanda Gayle Wilkerson

Life Including Variable Annuity & Health

NPN 17744693 Licensed 2015

Amy Strag

Life Including Variable Annuity & Health

NPN 18771756 Licensed 2018

Ashley Blake Cullen

Life Including Variable Annuity & Health

NPN 19563817 Licensed 2020

Austin Luffman

Life Including Variable Annuity & Health

NPN 20328878 Licensed 2022

Charly Marie Williams

Life Including Variable Annuity & Health

NPN 18095232 Licensed 2016

Deanna M Rewis-Mcduffie

Life Including Variable Annuity & Health

NPN 9031832 Licensed 2021

Frederick John James Noel

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

NPN 18467844 Licensed 2017

George Dennis Williams

Life Including Variable Annuity & Health

NPN 9582973 Licensed 2007

Heather Roberson

Life Including Variable Annuity & Health

NPN 19559477 Licensed 2020

James Lee Platt

Life Including Variable Annuity & Health

NPN 8673862 Licensed 2006

Jonathon Norman

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

NPN 20478924 Licensed 2022

Kathy Bennett

Life Including Variable Annuity & Health

NPN 18423809 Licensed 2017

Lori Bain

Life Including Variable Annuity & Health

NPN 18826661 Licensed 2018

Megan Michelle Bennett

Life Including Variable Annuity & Health

NPN 19571804 Licensed 2020

Meredith Lee Brewer

Life Including Variable Annuity & Health

NPN 7020936 Licensed 2023

Michael Zachary Washburn

Life Including Variable Annuity & Health

NPN 17656963 Licensed 2015

Michelle C Rice

Life Including Variable Annuity & Health

NPN 17369199 Licensed 2014

Miguel Lacorey Bean

Life Including Variable Annuity & Health

NPN 20276257 Licensed 2022

Misty Vel Roper

Life Including Variable Annuity & Health

NPN 19632141 Licensed 2020

Pamela Adams Williams

Life Including Variable Annuity & Health

NPN 9893787 Licensed 2007

Paul Scammacca

Life Including Variable Annuity & Health

NPN 17572446 Licensed 2015

Ronica Jermania Akins

Life Including Variable Annuity & Health

NPN 19155876 Licensed 2019

Tayler King

Life Including Variable Annuity & Health

NPN 18734599 Licensed 2018

View all 26 licensed universal life producers in Glen St. Mary →

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

Universal Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Universal Life Insurance across the Glen St. Mary regional market. Rates are localized using regional health baselines.

Official Glen St. Mary Resources

County Baker County

Population ~712

Lack of insurance (18–64) 13.1%

FIPS code 1226075

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 Glen St. Mary rates. Start your quote request below.

FL OIR .GOV Baker County Gov Portal .GOV

3.7 3 reviews

Photos by GROSS SEPTIC , Sara Neave via Google Maps

View on Google Maps

Town of Glen St Mary

Open now · Mon 8:30 AM – 12:30 PM

(904) 259-3777

glenstmary.govoffice.com .GOV

10046 S Glen Ave, Glen St Mary, FL 32040, USA

Recent Reviews

Reads Mercer ★☆☆☆☆

"I recently moved to the area. I was told all I needed was electric. A month and a half later I receive a notice on my door about water. I contacted the mayor per the notice. My water was shut off w…"

Miracle Auto ★★★★★

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 Universal Life Guide →

Select your coverage below to see your price in seconds.

See If You Pre-Qualify in 60 Seconds

Flexible coverage for your changing needs — no obligation — custom strategies from top carriers

How much coverage do you need?

$50K

$100K

$150K

$250K

$400K

$500K+

How long do you need coverage?

10 yr

15 yr

20 yr

25 yr

30 yr

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Never

Quit 5+ yrs

Quit 1-5 yrs

Current

Have you ever been treated for high blood pressure?

Yes

Have you ever been treated for high cholesterol?

Yes

Have you been diagnosed with or treated for diabetes?

Yes

Has a parent died before age 65 from heart disease or cancer?

Yes

Any DUI/DWI in the past 5 years?

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

Compare Plans

IUL Options

Simplified Issue IUL

No medical exam required

Simplified issue — fast approval
Issue ages 18–75
$25K–$300K face amounts
Living Benefits included
20-year no-lapse guarantee

Get Quote

Cash Accumulation IUL

Cash accumulation focus

Fully underwritten — best rates
Issue ages 0–85
$100K+ face amounts
S&P 500 + 3 index strategies
Long-Term Care rider available

Get Quote

Protection-Focused IUL

Death benefit guarantee focus

Fully underwritten — best rates
Issue ages 0–85
No-lapse guarantee to age 90
Same 4 index strategies
Long-Term Care rider available

Get Quote

📖 Universal Life / IUL Knowledge

Everything You Need to Know About Universal Life Insurance

📈

How Does IUL Work?

IUL links your cash value growth to a market index like the S&P 500. You participate in market gains up to a cap rate (typically 9–12%), while a guaranteed floor (0–1%) protects against losses. Your money is never directly invested in the market — it's credited based on index performance. Flexible premiums let you adjust payments as your income changes.

🛡️

What Are Cap Rates and Floors?

The cap rate is the maximum interest credited in a given period — commonly 9–12%. The floor is the minimum — typically 0–1%. If the S&P gains 20%, you earn up to the cap. If it loses 15%, you earn the floor. Your cash value never decreases due to market loss. Important: carriers can adjust cap rates over time.

🏥

Can IUL Pay for Long-Term Care?

Yes. Many IUL policies offer a long-term care rider that accelerates the death benefit to cover nursing home, assisted living, or home health care costs. If you never need LTC, your beneficiaries receive the full death benefit. This hybrid approach eliminates the "use it or lose it" problem of standalone LTC policies.

💰

IUL for Retirement Planning

IUL can supplement retirement income through tax-free policy loans against accumulated cash value. With a properly funded IUL, you can access cash in retirement without triggering income tax. It works best alongside 401(k) and IRA contributions — not as a replacement. June helps structure the right funding level for your goals.

🔄

IUL vs. Whole Life vs. Term

Term: Cheapest, pure death benefit, no cash value. Whole Life: Fixed premiums, guaranteed growth, lower returns. IUL: Flexible premiums, market-linked growth with higher potential, downside protection. IUL is ideal for those wanting permanent coverage plus wealth accumulation with more growth potential than whole life.

⚖️

Florida Life Insurance Consumer Rights

Florida law gives you a 14-day free-look period — return the policy within that window for a full refund (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing guaranteed and non-guaranteed values — critical for IUL where projected returns vary. June walks you through both columns so you know exactly what's guaranteed.

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

Life Insurance in Glen St. Mary

More Insurance Options in Glen St. Mary, FL

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

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

Indexed Universal Life (IUL) FAQ

📈

How does indexed universal life (IUL) work?

IUL links your cash value growth to a stock market index like the S&P 500. You earn up to a cap rate (9–12%) with a guaranteed floor (0–1%) protecting against losses. Your money is never directly in the market.

🛡️

What are cap rates and floors?

Cap rate = maximum interest earned per period (commonly 9–12%). Floor = minimum (typically 0–1%). If the index gains 20%, you earn up to the cap. If it drops 15%, you earn the floor — cash value never decreases from market loss.

🏥

Can IUL pay for long-term care?

Yes. Many IUL policies offer a long-term care rider that accelerates the death benefit for nursing home, assisted living, or home health care. If you never need LTC, beneficiaries receive the full death benefit.

💰

Is IUL good for retirement?

IUL can supplement retirement income through tax-free policy loans against cash value. Best as one component of a diversified plan alongside 401(k) and IRA. June helps structure the right funding level.

🔄

What's the difference between IUL and whole life?

Whole life has fixed premiums and guaranteed but lower growth. IUL has flexible premiums and market-linked growth with higher potential. Both provide permanent death benefit. IUL suits those wanting more growth potential with downside protection.

Nearby Universal Life Coverage

Read the Full Universal Life 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

Universal Life Insurance in Glen St. Mary, FL

Glen St. Mary, FL — Your Local Producer

Licensed Universal Life Producers in Glen St. Mary

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Glen St. Mary Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Pre-Qualify in 60 Seconds

Quote Request Received!

IUL Options

Simplified Issue IUL

Cash Accumulation IUL

Protection-Focused IUL

Everything You Need to Know About Universal Life Insurance

How Does IUL Work?

What Are Cap Rates and Floors?

Can IUL Pay for Long-Term Care?

IUL for Retirement Planning

IUL vs. Whole Life vs. Term

Florida Life Insurance Consumer Rights

More Insurance Options in Glen St. Mary, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Indexed Universal Life (IUL) FAQ

How does indexed universal life (IUL) work?

What are cap rates and floors?

Can IUL pay for long-term care?

Is IUL good for retirement?

What's the difference between IUL and whole life?

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Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Glen St. Mary Resources