June Marcia Williams

Your Insurance Agent in Dania Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Dania Beach, FL...

National Producer No.

17209549

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Business Life Insurance in Dania Beach, FL

Key person replacement, partner buyout funding, loan collateral.

Business life insurance for Dania 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 · Dania Beach, FL

Dania Beach, FL — Your Local Producer

Hello, Dania Beach! As a fellow Floridian, I appreciate the unique charm of our Broward County communities, from the historic antique district to the beautiful coastline. Planning for the future is a vital part of enjoying the life we've built here. As a licensed insurance producer, I'm here to help you navigate your options for personal insurance, including Term Life, Final Expense, and other supplemental plans. My goal is to provide clear, straightforward information so you can make confident decisions for your family's financial security. Let's talk about protecting what matters most. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Dania Beach City Hall
The Casino @ Dania Beach
Frank C. Adler Park

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Dania Beach

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

Aaron Villavicencio

Life Including Variable Annuity & Health

NPN 17047422 Licensed 2013

Abby Lynne Stein

Life Including Variable Annuity & Health

NPN 22224415 Licensed 2026

Aitziber Onaindia

Life Including Variable Annuity & Health

NPN 21224147 Licensed 2024

Alain Eduardo Avila

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

NPN 7394938 Licensed 2002

Alberto Obonaga

Life Including Variable Annuity & Health

NPN 20627489 Licensed 2023

Alcides M Gutierrez

Life Including Variable Annuity & Health

NPN 9076549 Licensed 2023

Alec Jasen Kruki

Life Including Variable Annuity & Health

NPN 19734040 Licensed 2020

Aleksandr Tishchenko

Life Including Variable Annuity & Health

NPN 21057413 Licensed 2024

Alex Edward Fernandez

Life Including Variable Annuity & Health

NPN 21184654 Licensed 2024

Alexander Arango

Life Including Variable Annuity & Health

NPN 16102305 Licensed 2010

Alexander F Oquendo

Life Including Variable Annuity & Health

NPN 20228233 Licensed 2022

Alexander J Wilson

Life Including Variable Annuity & Health

NPN 20703584 Licensed 2023

Alexandra Elena Filote

Life Including Variable Annuity & Health

NPN 19275050 Licensed 2019

Alice Parrinello

Life Including Variable Annuity & Health

NPN 21398212 Licensed 2024

Alida Maria Cortes

Life Including Variable Annuity & Health

NPN 21765135 Licensed 2025

Alina Kalabukhova

Life Including Variable Annuity & Health

NPN 21592286 Licensed 2025

Aline Correa De Andrade

Life Including Variable Annuity & Health

NPN 21053358 Licensed 2024

Allison Renee Scott

Life Including Variable Annuity & Health

NPN 18678847 Licensed 2018

Alyx Magloire

Life Including Variable Annuity & Health

NPN 22164037 Licensed 2026

Amy Ecolono

Life Including Variable Annuity & Health

NPN 21183788 Licensed 2024

Amy Kruki

Life Including Variable Annuity & Health

NPN 21755303 Licensed 2025

Anijah Rashelle House

Life Including Variable Annuity & Health

NPN 22124945 Licensed 2026

Anthony Escobar

Life Including Variable Annuity & Health

NPN 22076384 Licensed 2025

Anthony Wayne Looper

Life Including Variable Annuity & Health

NPN 21343963 Licensed 2024

View all 273 licensed business life producers in Dania 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 Dania Beach regional market. Rates are localized using regional health baselines.

Official Dania Beach Resources

County Broward County

Population ~31,700

Lack of insurance (18–64) 16.4%

FIPS code 1216335

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 Dania Beach rates. Start your quote request below.

FL OIR .GOV Broward County Gov Portal .GOV

3.4 16 reviews

Photos by City of Dania Beach , Kim Seng (Captain Kimo) , Colleen Colpani , Roy Parker via Google Maps

View on Google Maps

The City of Dania Beach

Open now · Mon 8:30 AM – 5:00 PM

(954) 924-6800

daniabeachfl.gov .GOV

100 W Dania Beach Blvd, Dania Beach, FL 33004, USA

Recent Reviews

Colleen Colpani ★★★★★

"Amazing experience with the City of Dania Beach! The new office is beautiful, clean, and efficient — you can really feel the fresh energy the city is bringing. The staff was professional, friendly, an…"

Britney Hyde ★☆☆☆☆

"Kim in the utility billing department is very rude and unprofessional. She has a slick comment for everything and absolutely no customer service. Was not helpful and made the situation even harder to …"

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 Dania Beach

More Insurance Options in Dania 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

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Licensed in 5 states NPN verified No obligation

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Business Life Insurance in Dania Beach, FL

Dania Beach, FL — Your Local Producer

Licensed Business Life Producers in Dania Beach

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Dania 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 Dania 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?

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Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Dania Beach Resources