June Marcia Williams

Your Insurance Agent in Satellite Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Satellite Beach, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Satellite Beach, FL

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

Business life insurance for Satellite 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 · Satellite Beach, FL

Satellite Beach, FL — Your Local Producer

Hello, Satellite Beach! As a fellow Floridian, I understand the unique joys of our coastal life here in Brevard County. From watching the sunrise over the Atlantic to enjoying our beautiful parks, life here is special and worth protecting. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping my neighbors find personal insurance coverage that fits their lives. Whether you're considering term life, final expense, or other personal policies, I can help you navigate your options with clarity. Let's work together to secure your family's future. (NPN: 17209549, FL License No: W840529)

Satellite Beach City Hall
Hightower Beach Park
Satellite High School

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Satellite Beach

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

Adam Floyd

Life Including Variable Annuity & Health

NPN 22241832 Licensed 2026

Adam Rudloff

Life Including Variable Annuity & Health

NPN 22137452 Licensed 2026

Alexander Marshall Hogle

Life Including Variable Annuity & Health

NPN 20721652 Licensed 2023

Alexandra Michelle Groh

Life Including Variable Annuity & Health

NPN 17614672 Licensed 2015

Allison Denise Mcdonough-Meyers

Life Including Variable Annuity & Health

NPN 19944698 Licensed 2021

Allison Naomi Chamberland

Life Including Variable Annuity & Health

NPN 22135449 Licensed 2026

Amanda Soderberg

Life Including Variable Annuity & Health

NPN 20728685 Licensed 2023

Amber Nicole Shirley

Life Including Variable Annuity & Health

NPN 21187036 Licensed 2024

Andrew M Jones

Life Including Variable Annuity & Health

NPN 15591960 Licensed 2025

Anthony David Milla

Life Including Variable Annuity & Health

NPN 21475071 Licensed 2025

Anthony Paul Garifo

Life Including Variable Annuity & Health

NPN 5118075 Licensed 2022

Bernardita Maria Bilgray

Life Including Variable Annuity & Health

NPN 7997459 Licensed 2022

Biba Watt

Life Including Variable Annuity & Health

NPN 10333798 Licensed 2008

Brandon Matthew Amberg

Life Including Variable Annuity & Health

NPN 22265688 Licensed 2026

Brent Jeremy Mills

Life Including Variable Annuity & Health

NPN 19678208 Licensed 2020

Brian Groh

Life Including Variable Annuity & Health

NPN 8650535 Licensed 2007

Brian Melton Pence

Life Including Variable Annuity & Health

NPN 22145160 Licensed 2026

Brianna Rose Emig

Life Including Variable Annuity & Health

NPN 20342243 Licensed 2022

Bruce Edward Williams

Life Including Variable Annuity & Health

NPN 16851458 Licensed 2012

Cal Jeffrey Nicotra

Life Including Variable Annuity & Health

NPN 20772711 Licensed 2023

Caleb Conrad Grigor

Life Including Variable Annuity & Health

NPN 20879739 Licensed 2023

Carlos Esquivel

Life Including Variable Annuity & Health

NPN 19895350 Licensed 2021

Cassandra S Walton

Life Including Variable Annuity & Health

NPN 7431729 Licensed 2015

Cathy Capers

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

NPN 8946779 Licensed 2023

View all 122 licensed business life producers in Satellite 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 Satellite Beach regional market. Rates are localized using regional health baselines.

Official Satellite Beach Resources

County Brevard County

Population ~11,176

Lack of insurance (18–64) 7.6%

FIPS code 1264400

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 Satellite Beach rates. Start your quote request below.

FL OIR .GOV Brevard County Gov Portal .GOV

4.3 6 reviews

Photos by Kellen Niles via Google Maps

View on Google Maps

City of Satellite Beach

Open now · Mon 8:00 AM – 4:30 PM

(321) 773-4407

satellitebeachfl.org

565 Cassia Blvd, Satellite Beach, FL 32937, USA

Recent Reviews

Lolly ★★★★★

"Always great to deal with for building permits. Everyone there always more than happy to help. 5 1/2 years, never a problem. Guessing the person that gave one star couldn’t follow the rules. I am here…"

Kellen Niles ★★★★★

"Great EV charging stations."

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

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

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 Satellite Beach

More Insurance Options in Satellite Beach, 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

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

📅 Schedule a Call 💬 Get Your Quote

Business Life Insurance in Satellite Beach, FL

Satellite Beach, FL — Your Local Producer

Licensed Business Life Producers in Satellite Beach

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Satellite Beach 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 Satellite Beach, 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?

Also Serving Brevard County

Grant Life Protection

Indian Harbor Be Life Protection

The Indian Harbour Beach Legacy Plan

Melbourne Coverage Guide

Merritt Island Wealth Strategy

North Merritt Island Life Protection

Palm Bay Coverage Guide

The Patrick AFB Legacy Plan

Rockledge Coverage Guide

Titusville Wealth Strategy

The Altamonte Spring Legacy Plan

Altamonte Springs Financial Security

The Casselberry Legacy Plan

Fern Park Wealth Strategy

The Heathrow Legacy Plan

The Lake Mary Legacy Plan

Longwood Financial Security

Oviedo Life Protection

Sanford Life Protection

Winter Springs Wealth Strategy

Apopka Life Protection

Meadow Woods Financial Security

Oakland Coverage Guide

Orlando Financial Security

South Apopka Coverage Guide

Southchase Financial Security

Windermere Coverage Guide

The Winter Garden Legacy Plan

Winter Park Coverage Guide

The Zellwood Legacy Plan

Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Satellite Beach Resources