June Marcia Williams

Your Insurance Agent in Merritt Island, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Merritt Island, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Merritt Island, FL

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

Business life insurance for Merritt Island, 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 · Merritt Island, FL

Merritt Island, FL — Your Local Producer

Hello, Merritt Island! As a fellow Floridian, I appreciate the unique character of our Brevard County communities, from the tranquil shores of the Indian River to the excitement of the Space Coast. Navigating your family's financial future can feel complex, but you don't have to do it alone. As a licensed insurance producer, I'm here to help my neighbors in Merritt Island understand their options for life, final expense, and supplemental health insurance. My goal is to provide clear, personalized guidance so you can find a plan that fits your life. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Merritt Island National Wildlife Refuge
Merritt Square Mall
Kiwanis Island Park

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Merritt Island

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

Alan Patrick Hooley

Life Including Variable Annuity & Health

NPN 13718743 Licensed 2009

Albert James Caprara

Life Including Variable Annuity & Health

NPN 1502024 Licensed 1997

Alec Eifel Mccavour

Life Including Variable Annuity & Health

NPN 21209062 Licensed 2024

Allison Deborah Stevenson

Life Including Variable Annuity & Health

NPN 8984526 Licensed 2014

Amanda Nichole Wotring

Life Including Variable Annuity & Health

NPN 21291563 Licensed 2024

Andres M Roosna

Life Including Variable Annuity & Health

NPN 5748931 Licensed 2016

Andrew Scott Eubanks

Life Including Variable Annuity & Health

NPN 20469208 Licensed 2022

Angel Alexander Morales

Life Including Variable Annuity & Health

NPN 19281086 Licensed 2019

Angela Tasha Dalaq

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

NPN 16967305 Licensed 2014

Ann Catherine Finlay

Life Including Variable Annuity & Health

NPN 3121979 Licensed 1999

Anna Maria Doerr

Life Including Variable Annuity & Health

NPN 512064 Licensed 2024

Anna Merrick

Life Including Variable Annuity & Health

NPN 22052459 Licensed 2025

Anthony L Cassiere

Life Including Variable Annuity & Health

NPN 10360324 Licensed 2008

Antonio Merola

Life Including Variable Annuity & Health

NPN 21324250 Licensed 2024

Aras M Guney

Life Including Variable Annuity & Health

NPN 21271430 Licensed 2024

Ashley Nicole Hively

Life Including Variable Annuity & Health

NPN 19780524 Licensed 2021

Barbara D Rzucidlo

Life Including Variable Annuity & Health

NPN 610366 Licensed 1994

Bea Augusta Akman

Life Including Variable Annuity & Health

NPN 18100212 Licensed 2016

Benjamin Travis Jordan

Life Including Variable Annuity & Health

NPN 20743337 Licensed 2023

Benjamin Waldrop

Life Including Variable Annuity & Health

NPN 22256624 Licensed 2026

Brandee Larue Williams

Life Including Variable Annuity & Health

NPN 20659328 Licensed 2023

Brandon Patrick Provan

Life Including Variable Annuity & Health

NPN 20442770 Licensed 2022

Brandon Walters

Life Including Variable Annuity & Health

NPN 20653120 Licensed 2023

Brian A Bell

Life Including Variable Annuity & Health

NPN 1525405 Licensed 2020

View all 246 licensed business life producers in Merritt Island →

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 Merritt Island regional market. Rates are localized using regional health baselines.

Official Merritt Island Resources

County Brevard County

Population ~34,300

Lack of insurance (18–64) 8.4%

FIPS code 1244275

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 Merritt Island rates. Start your quote request below.

FL OIR .GOV Brevard County Gov Portal .GOV

4.6 80 reviews

Photos by Shannon Underhill , Amanda Peachy , Shannon Underhill via Google Maps

View on Google Maps

Merritt Island Service Complex

2575 N Courtenay Pkwy, Merritt Island, FL 32953, USA

Recent Reviews

Anjie ★★★★☆

"Very small. When you enter you aren't sure that anyone even works there but for clerk of courts go left! There's 3 ladies on staff there that are helpful and informative. I didn't know you could do an…"

Zephyr B ★★★★★

"Must have an appointment, I got right in and they took such good care of me. Very happy with the service here"

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.

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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 Merritt Island

More Insurance Options in Merritt Island, 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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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

Business Life Insurance in Merritt Island, FL

Merritt Island, FL — Your Local Producer

Licensed Business Life Producers in Merritt Island

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Merritt Island 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 Merritt Island, 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 Merritt Island Resources