June Marcia Williams

Your Insurance Agent in Indialantic, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Indialantic, FL...

National Producer No.

17209549

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Business Life Insurance in Indialantic, FL

Key person, buy-sell, and business loan protection.

Business life insurance for Indialantic, 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 · Indialantic, FL

Indialantic, FL — Your Local Producer

For my neighbors here in Indialantic, enjoying the unique coastal lifestyle of Brevard County is what it's all about. As a local resident, I understand that protecting your family's future is just as important as enjoying today's sunshine. That's why I'm dedicated to helping you navigate your personal insurance options with clarity and care. As June Marcia Williams, a licensed insurance producer, I can assist you with a range of needs, from Term and Whole Life to Final Expense and Accident policies. Let's work together to find a plan that fits your life. (NPN: 17209549, Florida License No: W840529)

Nance Park
Indialantic Town Hall
Melbourne Causeway

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Indialantic

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

Alejandro Rafael Cuevas Rodriguez

Life Including Variable Annuity & Health

NPN 21475214 Licensed 2025

Amber Lee Shear

Life Including Variable Annuity & Health

NPN 13615732 Licensed 2009

Andrea Hart

Life Including Variable Annuity & Health

NPN 21745365 Licensed 2025

Andrew James Everett

Life Including Variable Annuity & Health

NPN 21623294 Licensed 2025

Ann Marie D'Amato

Life Including Variable Annuity & Health

NPN 1950507 Licensed 1998

Ayoka Huntar

Life Including Variable Annuity & Health

NPN 21233652 Licensed 2024

Brenda E. Macarthur

Life Including Variable Annuity & Health

NPN 20648556 Licensed 2023

Brian Thomas Spatola

Life Including Variable Annuity & Health

NPN 8716856 Licensed 2006

Brianna Marie Stearn

Life Including Variable Annuity & Health

NPN 8318278 Licensed 2005

Brody Lane Hetzel

Life Including Variable Annuity & Health

NPN 22086697 Licensed 2025

Brooke Ryan Ziade

Life Including Variable Annuity & Health

NPN 21756496 Licensed 2025

Bud Nicol

Life Including Variable Annuity & Health

NPN 509423 Licensed 1993

C Nicole Jones Reddish

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

NPN 8200773 Licensed 2007

Chad Corwin Shoultz

Life Including Variable Annuity & Health

NPN 1959087 Licensed 1998

Chadrak Fertil

Life Including Variable Annuity & Health

NPN 3936990 Licensed 2000

Charles Naeder

Life Including Variable Annuity & Health

NPN 22147987 Licensed 2026

Charles Winfield Allen

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

NPN 469426 Licensed 2011

Chase Louis Westenhofer

Life Including Variable Annuity & Health

NPN 21268079 Licensed 2024

Chelsea K Reuter

Life Including Variable Annuity & Health

NPN 20619078 Licensed 2023

Cheryl A Mckee

Life Including Variable Annuity & Health

NPN 21479528 Licensed 2025

Christian Anthony Allen

Life Including Variable Annuity & Health

NPN 21063952 Licensed 2024

Cindy Dang

Life Including Variable Annuity & Health

NPN 20982542 Licensed 2023

Connor James Williams

Life Including Variable Annuity & Health

NPN 21240995 Licensed 2024

Cortney Nicole Mcclellan

Life Including Variable Annuity & Health

NPN 17364589 Licensed 2017

View all 89 licensed business life producers in Indialantic →

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 Indialantic regional market. Rates are localized using regional health baselines.

Official Indialantic Resources

County Brevard County

Population ~3,016

Lack of insurance (18–64) 7.5%

FIPS code 1233375

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 Indialantic rates. Start your quote request below.

FL OIR .GOV Brevard County Gov Portal .GOV

2.5 11 reviews

Photos by Herve Andrieu , Heinz Kirkpatrick , InquiryTeaching via Google Maps

View on Google Maps

Indialantic Town Hall

Open now · Mon 8:00 AM – 5:00 PM

(321) 723-2242

indialantic.com

216 5th Ave, Indialantic, FL 32903, USA

Recent Reviews

Crystal Smith ★☆☆☆☆

"I've never been to a town with a beach where they do not have free public beach parking... We apparently parked in a "beach pass" only parking area and received a ticket literally a few minutes after …"

InquiryTeaching ★☆☆☆☆

"The beach is okay but the government has their parking set up here to be a fantastic money trap. There's no mention of the fine schedule. But if you're a minute over and the little person driving arou…"

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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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 Indialantic

More Insurance Options in Indialantic, 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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Business Life Insurance in Indialantic, FL

Indialantic, FL — Your Local Producer

Licensed Business Life Producers in Indialantic

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Indialantic 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 Indialantic, 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 Indialantic Resources