June Marcia Williams

Your Insurance Agent in Rockledge, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Rockledge, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Rockledge, FL

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

Business life insurance for Rockledge, 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 · Rockledge, FL

Rockledge, FL — Your Local Producer

For my neighbors in Rockledge, navigating life's uncertainties is just as important as enjoying our beautiful Brevard County surroundings. I'm June Marcia Williams, your local licensed insurance producer, dedicated to helping individuals and families in our community understand their personal insurance options. From term and whole life insurance to final expense and supplemental health plans like critical illness or accident coverage, I provide clear, straightforward guidance. My goal is to help you make informed decisions for your future with confidence. As a licensed producer (NPN: 17209549, Florida License No: W840529), I'm committed to serving Rockledge residents.

Rockledge City Hall
Rockledge High School
McLarty Park

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Rockledge

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

Aaron Penton

Life Including Variable Annuity & Health

NPN 20781954 Licensed 2023

Adam Thomas Vorsino

Life Including Variable Annuity & Health

NPN 20591052 Licensed 2023

Ahmande Grimes

Life Including Variable Annuity & Health

NPN 17439310 Licensed 2023

Alan Eugene Wester

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

NPN 21738 Licensed 1998

Alex Waycaster

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

NPN 21135947 Licensed 2024

Alexander Salvatore

Life Including Variable Annuity & Health

NPN 21329804 Licensed 2024

Alexander Serret

Life Including Variable Annuity & Health

NPN 3620917 Licensed 2019

Alexandra Simmons

Life Including Variable Annuity & Health

NPN 19625485 Licensed 2020

Alison Hammond

Life Including Variable Annuity & Health

NPN 18724574 Licensed 2018

Alonso Ayllon

Life Including Variable Annuity & Health

NPN 20996717 Licensed 2023

Amanda G Lott

Life Including Variable Annuity & Health

NPN 20459930 Licensed 2022

Amanda Kifayeh

Life Including Variable Annuity & Health

NPN 19430491 Licensed 2020

Amanda T Crawford

Life Including Variable Annuity & Health

NPN 18385207 Licensed 2017

Andrea Saborio Falcon

Life Including Variable Annuity & Health

NPN 20242567 Licensed 2022

Andrew Brown

Life Including Variable Annuity & Health

NPN 20983160 Licensed 2023

Andrew Foster

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

NPN 16678470 Licensed 2012

Andrew Richardson

Life Including Variable Annuity & Health

NPN 16976601 Licensed 2020

Andru Nickson

Life Including Variable Annuity & Health

NPN 21770985 Licensed 2025

Angela F Thomas

Life Including Variable Annuity & Health

NPN 14467716 Licensed 2011

Angela R Mercurio

Life Including Variable Annuity & Health

NPN 3664516 Licensed 2000

Annabeth Parsons

Life Including Variable Annuity & Health

NPN 20497351 Licensed 2022

Anthony Armando Perez

Life Including Variable Annuity & Health

NPN 20982778 Licensed 2023

Anthony D Hurt

Life Including Variable Annuity & Health

NPN 3695482 Licensed 2000

Antonio Abalcab Ramirez

Life Including Variable Annuity & Health

NPN 22054104 Licensed 2025

View all 385 licensed business life producers in Rockledge →

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

Official Rockledge Resources

County Brevard County

Population ~27,808

Lack of insurance (18–64) 10.2%

FIPS code 1261500

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 Rockledge rates. Start your quote request below.

FL OIR .GOV Brevard County Gov Portal .GOV

4.2 18 reviews

Photos by Cosmic Capture , Karl Dickey , Belky Laureano , J Boyer via Google Maps

View on Google Maps

Rockledge City Hall

Open now · Mon 8:00 AM – 5:00 PM

(321) 221-7540

cityofrockledge.org

1600 Huntington Ln, Rockledge, FL 32955, USA

Recent Reviews

J Boyer ★★★★★

"The building permit department at City Hall was very efficient and helpful. Michelle went out of her way to answer my questions regarding my HVAC Inspection appointment. I really appreciate her kind…"

westley colson ★★☆☆☆

"The lady at the front counter made me feel pretty unwelcome.. I greeted her with a smile and a "good morning!" She literally said hello, looked at my paperwork and told me to "comeback with the requir…"

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

⚡ Call me ASAP — I want to speak with an agent as soon as possible

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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 Rockledge

More Insurance Options in Rockledge, 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 Rockledge, FL

Rockledge, FL — Your Local Producer

Licensed Business Life Producers in Rockledge

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Rockledge 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 Rockledge, 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 Rockledge Resources