Directory
Life & Health Agents Property & Casualty Agents Insurance Agencies Verify a License For Producers
Life Insurance
Term Life Insurance ↳ Term Life Quote & Cost Whole Life Insurance ↳ Whole Life Quotes Term vs Whole Life ↳ Compare Term vs Whole Life Universal Life (IUL) Final Expense Insurance ↳ Final Expense Quotes
Supplemental Coverage
Critical Illness Hospital Indemnity Accident & Injury
Business & Specialty
Business Life Insurance Special Situations
Areas Served
New Jersey Pennsylvania Florida Maryland Virginia About Contact 🗺️ Map I'm an Agent — It's Free
June Marcia Williams — Licensed Business Life Insurance Agent in Panama City Beach, FL
June Marcia Williams
Your Insurance Agent in Panama City Beach, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Panama City Beach, FL...
National Producer No.
17209549
Verify ↗

Business Life Insurance in Panama City Beach, FL

June Williams — buy-sell agreements, SBA loan coverage, succession planning.

Business life insurance for Panama City Beach, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — key person, buy-sell, and executive coverage for businesses, 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 · Panama City Beach, FL

Panama City Beach, FL — Your Local Producer

Living in Bay County means appreciating the unique lifestyle we have here in Panama City Beach. As your neighbor, I'm committed to helping you protect it. My name is June Marcia Williams, and as a licensed Florida insurance producer, I help local families navigate their coverage options. I specialize in personal policies like Term and Whole Life, Final Expense, Critical Illness, and Hospital Indemnity plans. My goal is to provide clear, straightforward guidance so you can feel confident in the financial safety net you're building for your loved ones. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • Pier Park
  • Frank Brown Park
  • Russell-Fields Pier
NPN17209549FL LicenseW840529

Licensed Business Life Producers in Panama City Beach

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

AL
Aaron P Leopold
Life Including Variable Annuity & Health
NPN 2188445 Licensed 2009
AC
Alexandru Ciolan
Life Including Variable Annuity & Health
NPN 21120961 Licensed 2024
AH
Alexis Gregory Hatten
Life Including Variable Annuity & Health
NPN 19944487 Licensed 2021
AS
Alisa Michele Spivey
Life Including Variable Annuity & Health
NPN 9528316 Licensed 2007
AR
Allie Marie Ross
Life Including Variable Annuity & Health
NPN 20059914 Licensed 2021
AY
Alyssa York
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20997492 Licensed 2024
AN
Amanda Lee Nelson
Life Including Variable Annuity & Health
NPN 19813881 Licensed 2021
AD
Amerie Daniels
Life Including Variable Annuity & Health
NPN 21641805 Licensed 2025
AA
Andrea Julieth Avilesgarzon
Life Including Variable Annuity & Health
NPN 21729015 Licensed 2025
AC
Andrea Lea Clancy
Life Including Variable Annuity & Health
NPN 2674566 Licensed 2016
AR
Andrew Bernhard Reuther
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 18930724 Licensed 2018
AS
Angela C Shever
Life Including Variable Annuity & Health
NPN 20847068 Licensed 2023
AP
Anthony Petitti
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 554654 Licensed 2000
AP
Anthony Petitti
Life Including Variable Annuity & Health
NPN 5800544 Licensed 2020
AC
Ashley Callaway
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 19990753 Licensed 2026
AM
Ashley Nicole Miller
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 15748343 Licensed 2025
AV
Ashley Vanveenendaal
Life Including Variable Annuity & Health
NPN 20437986 Licensed 2024
AB
Austin Jenea Blanton
Life Including Variable Annuity & Health
NPN 21689215 Licensed 2025
BG
Barbara K Grubb
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 939382 Licensed 2024
BR
Bradley Evan Rader
Life Including Variable Annuity & Health
NPN 17089438 Licensed 2013
BG
Brandi Nicole Goodson
Life Including Variable Annuity & Health
NPN 20552554 Licensed 2022
BL
Brandon Walter Lacey
Life Including Variable Annuity & Health
NPN 21707389 Licensed 2025
BJ
Brian Casey Jones
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20036232 Licensed 2021
BT
Brian Keith Taylor
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 603178 Licensed 1996
View all 245 licensed business life producers in Panama City Beach →

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

Business Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Business Life Insurance across the Panama City Beach regional market. Rates are localized using regional health baselines.

Official Panama City Beach Resources

County Bay County
Population Data Pending
Lack of insurance (18–64) 10.4%
FIPS code 1254725

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 Panama City Beach rates. Start your quote request below.

Google Maps
3.3 13 reviews
Panama City Beach, City Hall photo 1Panama City Beach, City Hall photo 2Panama City Beach, City Hall photo 3
Photos by John Sitler , Panama City Beach, City Hall , Suzy B via Google Maps
Panama City Beach, City Hall
Open now · Mon 7:30 AM – 4:00 PM
17007 Panama City Beach Pkwy, Panama City Beach, FL 32413, USA
Recent Reviews
Layne Apperson ★☆☆☆☆
"3rd time we have come here and the pool and facility is closed because of staffing issues. We plan a family outing and it ends with our child crying. These facilities are some of the greatest in the c…"
Virginia Chastain ★★★★☆
"PCB is our favorite place to vacation in Florida. So many things to do .I just don't understand how California Cycles/Outlaw Rentals is allowed in PCB. They are crooks. Please do your research before …"
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.

Select your coverage below to see your price in seconds.

Get a Business Protection Assessment

Protect your company's financial future — no obligation — customized corporate coverage

Your business assessment is ready!

Based on your revenue and structure, June will calculate the exact coverage amount for key person protection, buy-sell funding, or loan collateral. Enter your contact info to receive your recommendation.

Your info is secure · Never shared · June responds within 30 min

Consultation Request Sent!

June will 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

Business Life Options

Buy-Sell Agreement

Fund partner/owner transitions
  • % ownership × company value
  • Cross-purchase or entity plan
  • Prevents forced liquidation
  • Ensures fair market buyout
  • All partners covered equally
Get Quote

Business Loan

Collateral assignment for lenders
  • Coverage = outstanding principal
  • Lender named as collateral assignee
  • SBA loan requirement satisfied
  • Decreasing or level term
  • Protects personal guarantors
Get Quote

Everything You Need to Know About Business Life Insurance

💼

What Is Key Person Insurance?

Key person insurance protects your business against the financial impact of losing a critical employee — a founder, top salesperson, or essential manager. Coverage is typically 5-10× the key person's annual income plus bonuses. The business owns the policy, pays the premiums, and receives the death benefit to cover lost revenue, recruitment, and transition costs.

🤝

Buy-Sell Agreements Explained

A buy-sell agreement is a legally binding contract that determines what happens to a partner's ownership share when they die. Life insurance funds the buyout — surviving partners receive cash to purchase the deceased's share at fair market value. Without it, heirs could become unwanted business partners or force a liquidation. Cross-purchase (partners own each other's policies) or entity purchase (business owns all policies) structures available.

🏦

Business Loan Protection

Many lenders — especially SBA loans — require life insurance on the guarantor or key principal. Coverage equals the outstanding loan balance, with the lender named as collateral assignee. If the borrower dies, the policy pays off the loan. This protects both the business and the personal assets of any guarantors. Decreasing term aligns coverage with the declining loan balance.

📊

How Much Coverage Do You Need?

Key Person: 5-10× income based on age (higher multiplier for younger, harder-to-replace talent). Buy-Sell: Ownership percentage × company valuation. Business Loan: Outstanding principal balance. For businesses with multiple needs, June structures layered coverage — term for short-term obligations, permanent for long-term succession planning.

🏢

Tax Implications

Key person premiums are not tax-deductible, but the death benefit is generally received tax-free by the business (subject to alternative minimum tax rules). Buy-sell premiums are also not deductible, but provide tax-efficient ownership transfer. Consult a tax advisor for your specific situation — June coordinates with your CPA to structure coverage correctly.

⚖️

Business Insurance Requirements

Florida doesn't mandate business life insurance, but SBA lenders require collateral assignment on loans above certain thresholds. Under federal IRC § 101(j), employers must obtain written notice and consent from insured employees before issuing employer-owned life insurance; IRS Form 8925 is filed annually. All policies include Florida's 14-day free-look period (Fla. Stat. § 627.4554). June ensures all documentation meets regulatory requirements.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated life insurance carriers.

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

Business Life Insurance FAQ

💼

How much key person coverage do I need?

Typically 5-10x the key person's annual income plus bonuses. Factor in recruitment costs, training time, and potential revenue loss during transition. June provides a free needs analysis.

🤝

Do all partners need equal coverage?

Coverage should be proportional to ownership interest. If Partner A owns 60% and Partner B owns 40%, coverage amounts reflect their respective buyout values based on company valuation.

🏦

Does my SBA loan require life insurance?

Most SBA lenders require life insurance on key principals with collateral assignment. The coverage amount typically equals the outstanding loan balance. June helps structure compliant policies.

📊

Term or permanent for business insurance?

Term for time-bound needs (loans, short-term key person). Permanent for long-term succession planning and buy-sell agreements. Many businesses use a combination of both.

💰

Are business life insurance premiums tax-deductible?

Generally no — premiums for key person and buy-sell policies are not deductible. However, death benefits are typically received tax-free. Consult your CPA for your specific situation.

Also Serving Bay County

Callaway Coverage Guide

Compare Business Life rates from licensed carriers serving Callaway.

View Callaway Coverage

Fountain Wealth Strategy

Compare Business Life rates from licensed carriers serving Fountain.

View Fountain Coverage

Lynn Haven Life Protection

Personalized Business Life quotes for Lynn Haven residents — no obligation.

View Lynn Haven Coverage

Mexico Beach Financial Security

Business Life protection tailored to Mexico Beach families and businesses.

View Mexico Beach Coverage

Panama City Wealth Strategy

Compare Business Life rates from licensed carriers serving Panama City.

View Panama City Coverage

Parker Wealth Strategy

Business Life protection tailored to Parker families and businesses.

View Parker Coverage

The Southport Legacy Plan

Personalized Business Life quotes for Southport residents — no obligation.

View Southport Coverage

Springfield Financial Security

Dedicated Business Life coverage page for Springfield with local agent support.

View Springfield Coverage

Tyndall AFB Life Protection

Personalized Business Life quotes for Tyndall AFB residents — no obligation.

View Tyndall AFB Coverage

Youngstown Financial Security

Dedicated Business Life coverage page for Youngstown with local agent support.

View Youngstown Coverage

Bristol Wealth Strategy

Dedicated Business Life coverage page for Bristol with local agent support.

View Bristol Coverage

Hosford Life Protection

Dedicated Business Life coverage page for Hosford with local agent support.

View Hosford Coverage

Lake Mystic Wealth Strategy

Business Life protection tailored to Lake Mystic families and businesses.

View Lake Mystic Coverage

Sumatra Life Protection

Dedicated Business Life coverage page for Sumatra with local agent support.

View Sumatra Coverage

Telogia Coverage Guide

Business Life protection tailored to Telogia families and businesses.

View Telogia Coverage

The Argyle Legacy Plan

Compare Business Life rates from licensed carriers serving Argyle.

View Argyle Coverage

DeFuniak Spring Life Protection

Dedicated Business Life coverage page for DeFuniak Spring with local agent support.

View DeFuniak Spring Coverage

The DeFuniak Springs Legacy Plan

Personalized Business Life quotes for DeFuniak Springs residents — no obligation.

View DeFuniak Springs Coverage

The Freeport Legacy Plan

Dedicated Business Life coverage page for Freeport with local agent support.

View Freeport Coverage

Miramar Beach Coverage Guide

Dedicated Business Life coverage page for Miramar Beach with local agent support.

View Miramar Beach Coverage

Paxton Life Protection

Compare Business Life rates from licensed carriers serving Paxton.

View Paxton Coverage

The Ponce DeLeon Legacy Plan

Business Life protection tailored to Ponce DeLeon families and businesses.

View Ponce DeLeon Coverage

The Santa Rosa Beach Legacy Plan

Dedicated Business Life coverage page for Santa Rosa Beach with local agent support.

View Santa Rosa Beach Coverage

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
Ask Lia