June Marcia Williams

Your Insurance Agent in Cape Canaveral, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Cape Canaveral, FL...

National Producer No.

17209549

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Business Life Insurance in Cape Canaveral, FL

Coverage based on revenue, key person income, and loan balance.

Business life insurance for Cape Canaveral, 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 · Cape Canaveral, FL

Cape Canaveral, FL — Your Local Producer

For my neighbors in Cape Canaveral, planning for the future is part of our local DNA. My name is June Marcia Williams, and I'm a licensed insurance producer dedicated to helping families right here in Brevard County protect what matters most. Whether you're looking into Term Life, Final Expense, or supplemental plans for critical illness or accidents, I can help you understand your options without the pressure. My goal is to provide clear, personalized guidance so you can make confident decisions for your loved ones. As your local resource (NPN: 17209549, FL License No: W840529), I'm committed to serving our community.

Cape Canaveral City Hall
Manatee Sanctuary Park
Jetty Park

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Cape Canaveral

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

Alex Deaner

Life Including Variable Annuity & Health

NPN 21415355 Licensed 2026

Anthony Thomas Preziosi

Life Including Variable Annuity & Health

NPN 16743741 Licensed 2012

Barbara Abreu

Life Including Variable Annuity & Health

NPN 20985768 Licensed 2023

Blake Porter

Life Including Variable Annuity & Health

NPN 21296860 Licensed 2024

Brett Nicholas Hausman

Life Including Variable Annuity & Health

NPN 20841950 Licensed 2023

Brian David Vesco

Life Including Variable Annuity & Health

NPN 9078177 Licensed 2007

Cindy Sue Kollmorgan

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

NPN 10978198 Licensed 2018

Deanna Smith Clark

Life Including Variable Annuity & Health

NPN 16867110 Licensed 2013

Deborah Ann Kernor

Life Including Variable Annuity & Health

NPN 20239941 Licensed 2022

Debria Trejo

Life Including Variable Annuity & Health

NPN 19648999 Licensed 2020

Douglas Chester Carson

Life Including Variable Annuity & Health

NPN 9075658 Licensed 2025

Elizabeth A Mccoy

Life Including Variable Annuity & Health

NPN 19647342 Licensed 2020

Ellice Dana Koci

Life Including Variable Annuity & Health

NPN 8611759 Licensed 2023

F W Churchley

Life Including Variable Annuity & Health

NPN 538917 Licensed 2026

George Patrick Farley

Life Including Variable Annuity & Health

NPN 15174650 Licensed 2009

James Patrick Wagner

Life Including Variable Annuity & Health

NPN 18873825 Licensed 2018

Jeffry Francime

Life Including Variable Annuity & Health

NPN 20480423 Licensed 2022

Jennifer Marie Lovell

Life Including Variable Annuity & Health

NPN 15668398 Licensed 2022

Jenny Andreina Vega Cantillo

Life Including Variable Annuity & Health

NPN 21504671 Licensed 2025

Joanne E Murphy

Life Including Variable Annuity & Health

NPN 17106324 Licensed 2019

John N Cummins

Life Including Variable Annuity & Health

NPN 20596843 Licensed 2023

Katie Jenkins

Life Including Variable Annuity & Health

NPN 8741275 Licensed 2019

Kelly Eugene Harrington

Life Including Variable Annuity & Health

NPN 442695 Licensed 2002

Laurie Kenny

Life Including Variable Annuity & Health

NPN 20640790 Licensed 2023

View all 38 licensed business life producers in Cape Canaveral →

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 Cape Canaveral regional market. Rates are localized using regional health baselines.

Official Cape Canaveral Resources

County Brevard County

Population ~9,980

Lack of insurance (18–64) 9.0%

FIPS code 1210250

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 Cape Canaveral rates. Start your quote request below.

FL OIR .GOV Brevard County Gov Portal .GOV

4.7 15 reviews

City of Cape Canaveral City Hall photo 1

City of Cape Canaveral City Hall photo 2

City of Cape Canaveral City Hall photo 3

City of Cape Canaveral City Hall photo 4

Photos by ZADA X , KeepTheCapeWeird , Sarah , Agent of Chaos via Google Maps

View on Google Maps

City of Cape Canaveral City Hall

Open now · Mon 8:30 AM – 5:00 PM

(321) 868-1220

cityofcapecanaveral.org

100 Polk Ave, Cape Canaveral, FL 32920, USA

Recent Reviews

Kate Tyler ★☆☆☆☆

"Cape Canaveral only has 2 playgrounds and 1 splash pad and they've all been broken or closed to some degree for the past year. I called 6 months ago to speed up repairs and nothing changed. We pay $5k…"

KeepTheCapeWeird ★★★★★

"Local government in action! Lots of residents complained about the money used to build this city hall, but it has brought the City of Cape Canaveral into the 21st century (whether they want to be or n…"

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 Business Life Guide →

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

What do you need to protect?

👤 Key Person

🤝 Buy-Sell Agreement

🏦 Business Loan

Age of the person being insured

Under 30

30-39

40-49

50-59

Annual revenue or key person income

$50K-$100K

$100K-$200K

$200K-$500K

$500K-$1M

$1M-$2M

$2M+

Number of partners/owners

Solo

✅

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 Name

Phone Number

Business Name

Email Address

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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

Compare Plans

Business Life Options

Most Common

Key Person

Protect against losing a vital employee

5-10× key person's income
Covers revenue loss during replacement
Recruitment & training costs
Business debt obligations
Term or permanent options

Get Quote

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

📖 Business Life Knowledge

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.

Life Insurance in Cape Canaveral

More Insurance Options in Cape Canaveral, FL

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

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.

Nearby Business Life Coverage

Read the Full Business Life Consumer Guide →

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

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Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Business Life Insurance in Cape Canaveral, FL

Cape Canaveral, FL — Your Local Producer

Licensed Business Life Producers in Cape Canaveral

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Cape Canaveral Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Get a Business Protection Assessment

Consultation Request Sent!

Business Life Options

Key Person

Buy-Sell Agreement

Business Loan

Everything You Need to Know About Business Life Insurance

What Is Key Person Insurance?

Buy-Sell Agreements Explained

Business Loan Protection

How Much Coverage Do You Need?

Tax Implications

Business Insurance Requirements

More Insurance Options in Cape Canaveral, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Business Life Insurance FAQ

How much key person coverage do I need?

Do all partners need equal coverage?

Does my SBA loan require life insurance?

Term or permanent for business insurance?

Are business life insurance premiums tax-deductible?

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Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Cape Canaveral Resources