June Marcia Williams

Your Insurance Agent in Fort Lauderdale, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fort Lauderdale, FL...

National Producer No.

17209549

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Business Life Insurance in Fort Lauderdale, FL

Key person replacement, partner buyout funding, loan collateral.

Business life insurance for Fort Lauderdale, 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 · Fort Lauderdale, FL

Fort Lauderdale, FL — Your Local Producer

As a resident of Broward County, I understand the unique and vibrant lifestyle we enjoy here in Fort Lauderdale, from our beautiful waterways to our bustling communities. My name is June Marcia Williams, and as a licensed insurance producer, I am dedicated to helping my neighbors secure their financial futures. I offer personalized guidance on a range of products, including life insurance, final expense, and other supplemental policies designed to protect your family. My commitment is to help you navigate your options with clarity and confidence. (NPN: 17209549, Florida License No: W840529)

Las Olas Boulevard
Hugh Taylor Birch State Park
Broward Center for the Performing Arts

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Fort Lauderdale

4553 on public record · Florida DFS · Fla. Stat. §119.01

Aaliyha Sheppard

Life Including Variable Annuity & Health

NPN 22252536 Licensed 2026

Aaron Charles Litman

Life Including Variable Annuity & Health

NPN 20978424 Licensed 2023

Aaron Dane Norris

Life Including Variable Annuity & Health

NPN 19341949 Licensed 2019

Aaron Kempen

Life Including Variable Annuity & Health

NPN 16339462 Licensed 2020

Aaron Riley Shaffer

Life Including Variable Annuity & Health

NPN 21276977 Licensed 2024

Aaron T Paul

Life Including Variable Annuity & Health

NPN 17359974 Licensed 2015

Abbey Ajayi

Life Including Variable Annuity & Health

NPN 2833708 Licensed 1999

Abbigail Elizabeth Lindahl

Life Including Variable Annuity & Health

NPN 21144222 Licensed 2024

Abdelmoughit Noury

Life Including Variable Annuity & Health

NPN 21206486 Licensed 2024

Abel Roberto Scilingo

Life Including Variable Annuity & Health

NPN 20706810 Licensed 2023

Abigail Alisia Smith

Life Including Variable Annuity & Health

NPN 20774477 Licensed 2023

Abigail Baragwanath

Life Including Variable Annuity & Health

NPN 20265538 Licensed 2022

Abigail Briana Graham

Life Including Variable Annuity & Health

NPN 18537668 Licensed 2025

Abigail Richner

Life Including Variable Annuity & Health

NPN 20485163 Licensed 2022

Abiny Jade Aguilar

Life Including Variable Annuity & Health

NPN 20841805 Licensed 2023

Abner Logan

Life Including Variable Annuity & Health

NPN 21519433 Licensed 2025

Abraham Delgado

Life Including Variable Annuity & Health

NPN 21313023 Licensed 2024

Adalberto Jose Rodriguez

Life Including Variable Annuity & Health

NPN 17359948 Licensed 2014

Adam Bassell

Life Including Variable Annuity & Health

NPN 17515791 Licensed 2024

Adam Cohen

Life Including Variable Annuity & Health

NPN 20335330 Licensed 2022

Adam Dale Brown

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

NPN 7088353 Licensed 2019

Adam Daniel Uhlan

Life Including Variable Annuity & Health

NPN 421601 Licensed 1990

Adam Francis Shapiro

Life Including Variable Annuity & Health

NPN 2063370 Licensed 2000

Adam Jehial Kohn

Life Including Variable Annuity & Health

NPN 2665936 Licensed 2024

View all 4553 licensed business life producers in Fort Lauderdale →

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 Fort Lauderdale regional market. Rates are localized using regional health baselines.

Official Fort Lauderdale Resources

County Broward County

Population ~182,673

Lack of insurance (18–64) 18.7%

FIPS code 1224000

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 Fort Lauderdale rates. Start your quote request below.

FL OIR .GOV Broward County Gov Portal .GOV

3.5 56 reviews

Photos by Jeff Locke , Herve Andrieu , LaVa Lady , Harrison C. Davies via Google Maps

View on Google Maps

Fort Lauderdale City Hall

(954) 828-5000

fortlauderdale.gov .GOV

100 N Andrews Ave, Fort Lauderdale, FL 33301, USA

Recent Reviews

David Jackson jr ★☆☆☆☆

"Where do I start, I called this morning in regards to acquiring a beach parking pass. The lady who answered was extremely rude and disrespectful, had no urge to help me. Although I have been a residen…"

Noelle Jimenez ★☆☆☆☆

"Horrible customer service in the parking department! Just got off the phone and a awful miserable women who was annoyed I was bothering her at work with her job! I’m new to Florida and wanted to know…"

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 Fort Lauderdale

More Insurance Options in Fort Lauderdale, 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 Fort Lauderdale, FL

Fort Lauderdale, FL — Your Local Producer

Licensed Business Life Producers in Fort Lauderdale

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Fort Lauderdale 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 Fort Lauderdale, 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 Fort Lauderdale Resources