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June Marcia Williams — Licensed Universal Life Insurance Agent in Lauderdale-by-the-Sea, FL
June Marcia Williams
Your Insurance Agent in Lauderdale-by-the-Sea, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Lauderdale-by-the-Sea, FL...
National Producer No.
17209549
Verify ↗

Universal Life Insurance in Lauderdale-by-the-Sea, FL

Tax-free policy loans, long-term care rider, estate planning.

Universal life insurance for Lauderdale-by-the-Sea, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — flexible permanent coverage with cash accumulation, 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 · Lauderdale-by-the-Sea, FL

Lauderdale-by-the-Sea, FL — Your Local Producer

As a fellow South Floridian, I deeply appreciate the unique coastal charm and small-town feel of Lauderdale-by-the-Sea. It’s a special corner of Broward County, and helping my neighbors here protect what matters most is my priority. I’m June Marcia Williams, a licensed insurance producer, and I offer personalized guidance on a range of options, from Term and Whole Life to Final Expense and Critical Illness plans. My focus is on helping you understand your choices so you can secure your family’s financial future with confidence. (NPN: 17209549, Florida License No: W840529)

  • Anglin's Fishing Pier
  • Lauderdale-By-The-Sea Town Hall
  • El Prado Park
NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Lauderdale-by-the-Sea

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

AM
Alfred F Marsicano
Life Including Variable Annuity & Health
NPN 379371 Licensed 2018
AC
Alyssa Coleman
Life Including Variable Annuity & Health
NPN 22128768 Licensed 2026
AA
Anabella Carolina Aguilar
Life Including Variable Annuity & Health
NPN 11405761 Licensed 2008
AR
Andrew Ripley
Life Including Variable Annuity & Health
NPN 17492208 Licensed 2015
AL
Ariana Lemos
Life Including Variable Annuity & Health
NPN 22109258 Licensed 2026
BI
Brad M Iroff
Life Including Variable Annuity & Health
NPN 3387959 Licensed 2018
BR
Brooke Nicole Remy
Life Including Variable Annuity & Health
NPN 20717445 Licensed 2023
CY
Caitlin Shay Young
Life Including Variable Annuity & Health
NPN 21172766 Licensed 2024
CG
Carl Giarraffa
Life Including Variable Annuity & Health
NPN 22270245 Licensed 2026
CG
Chadia Nemr Ghanem
Life Including Variable Annuity & Health
NPN 19367696 Licensed 2019
CS
Chase Alexander Schottke
Life Including Variable Annuity & Health
NPN 20761479 Licensed 2023
CC
Cheryl Y Comer
Life Including Variable Annuity & Health
NPN 3693341 Licensed 2000
CW
Courtney Wittenberns
Life Including Variable Annuity & Health
NPN 18682573 Licensed 2018
CF
Crystal Fernandes
Life Including Variable Annuity & Health
NPN 22106879 Licensed 2026
CF
Cynthia Faublas
Life Including Variable Annuity & Health
NPN 20467550 Licensed 2022
DT
Deborah Lynn Taylor
Life Including Variable Annuity & Health
NPN 20567797 Licensed 2022
DH
Douglas Dale Hopper
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 16800013 Licensed 2012
EM
Emily Moran
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 18472021 Licensed 2020
ED
Erla Dema
Life Including Variable Annuity & Health
NPN 21709938 Licensed 2025
FG
Fredrick Warren Grubb
Life Including Variable Annuity & Health
NPN 8805974 Licensed 2017
GS
Genevieve Bonnie Smart
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 4779051 Licensed 2009
JS
Jamie Ann Stroud
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 18345186 Licensed 2017
JW
Jason Womack
Life Including Variable Annuity & Health
NPN 21090858 Licensed 2024
JS
Jeffrey Steven Seltzer
Life Including Variable Annuity & Health
NPN 502319 Licensed 1994
View all 47 licensed universal life producers in Lauderdale-by-the-Sea →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Universal Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Universal Life Insurance across the Lauderdale-by-the-Sea regional market. Rates are localized using regional health baselines.

Official Lauderdale-by-the-Sea Resources

County Broward County
Population ~6,202
Lack of insurance (18–64) 9.6%
FIPS code 1239475

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 Lauderdale-by-the-Sea rates. Start your quote request below.

Google Maps
4.4 40 reviews
Lauderdale-By-The-Sea Town Hall photo 1Lauderdale-By-The-Sea Town Hall photo 2Lauderdale-By-The-Sea Town Hall photo 3Lauderdale-By-The-Sea Town Hall photo 4
Lauderdale-By-The-Sea Town Hall
Open now · Mon 8:30 AM – 4:30 PM
4501 N Ocean Dr, Lauderdale-By-The-Sea, FL 33308, USA
Recent Reviews
RJ and Family ★★★★★
"Cute little City Hall filled with competent people. One of my favorite cities to visit as I live close and it is beautiful here. Definitely needs an exterior cleaning. I’m sure that’s a seasonal need."
karli Simone ★☆☆☆☆
"This review is 2 MONTHS-overdue and I told myself if it still irked me this much to just leave my review so I will do just that. I parked on the beach, paid, and was behind another car and got a tic…"
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.

Select your coverage below to see your price in seconds.

See If You Pre-Qualify in 60 Seconds

Flexible coverage for your changing needs — no obligation — custom strategies from top carriers

Your info is secure and never shared. June will contact you within minutes with personalized quotes. Pre-qualification is an estimate — final rates determined by carrier underwriting.

Quote Request Received!

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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

IUL Options

Simplified Issue IUL

No medical exam required
  • Simplified issue — fast approval
  • Issue ages 18–75
  • $25K–$300K face amounts
  • Living Benefits included
  • 20-year no-lapse guarantee
Get Quote

Protection-Focused IUL

Death benefit guarantee focus
  • Fully underwritten — best rates
  • Issue ages 0–85
  • No-lapse guarantee to age 90
  • Same 4 index strategies
  • Long-Term Care rider available
Get Quote

Everything You Need to Know About Universal Life Insurance

📈

How Does IUL Work?

IUL links your cash value growth to a market index like the S&P 500. You participate in market gains up to a cap rate (typically 9–12%), while a guaranteed floor (0–1%) protects against losses. Your money is never directly invested in the market — it's credited based on index performance. Flexible premiums let you adjust payments as your income changes.

🛡️

What Are Cap Rates and Floors?

The cap rate is the maximum interest credited in a given period — commonly 9–12%. The floor is the minimum — typically 0–1%. If the S&P gains 20%, you earn up to the cap. If it loses 15%, you earn the floor. Your cash value never decreases due to market loss. Important: carriers can adjust cap rates over time.

🏥

Can IUL Pay for Long-Term Care?

Yes. Many IUL policies offer a long-term care rider that accelerates the death benefit to cover nursing home, assisted living, or home health care costs. If you never need LTC, your beneficiaries receive the full death benefit. This hybrid approach eliminates the "use it or lose it" problem of standalone LTC policies.

💰

IUL for Retirement Planning

IUL can supplement retirement income through tax-free policy loans against accumulated cash value. With a properly funded IUL, you can access cash in retirement without triggering income tax. It works best alongside 401(k) and IRA contributions — not as a replacement. June helps structure the right funding level for your goals.

🔄

IUL vs. Whole Life vs. Term

Term: Cheapest, pure death benefit, no cash value. Whole Life: Fixed premiums, guaranteed growth, lower returns. IUL: Flexible premiums, market-linked growth with higher potential, downside protection. IUL is ideal for those wanting permanent coverage plus wealth accumulation with more growth potential than whole life.

⚖️

Florida Life Insurance Consumer Rights

Florida law gives you a 14-day free-look period — return the policy within that window for a full refund (Fla. Stat. § 627.4554). Carriers must provide policy illustrations showing guaranteed and non-guaranteed values — critical for IUL where projected returns vary. June walks you through both columns so you know exactly what's guaranteed.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA.

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.

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Indexed Universal Life (IUL) FAQ

📈

How does indexed universal life (IUL) work?

IUL links your cash value growth to a stock market index like the S&P 500. You earn up to a cap rate (9–12%) with a guaranteed floor (0–1%) protecting against losses. Your money is never directly in the market.

🛡️

What are cap rates and floors?

Cap rate = maximum interest earned per period (commonly 9–12%). Floor = minimum (typically 0–1%). If the index gains 20%, you earn up to the cap. If it drops 15%, you earn the floor — cash value never decreases from market loss.

🏥

Can IUL pay for long-term care?

Yes. Many IUL policies offer a long-term care rider that accelerates the death benefit for nursing home, assisted living, or home health care. If you never need LTC, beneficiaries receive the full death benefit.

💰

Is IUL good for retirement?

IUL can supplement retirement income through tax-free policy loans against cash value. Best as one component of a diversified plan alongside 401(k) and IRA. June helps structure the right funding level.

🔄

What's the difference between IUL and whole life?

Whole life has fixed premiums and guaranteed but lower growth. IUL has flexible premiums and market-linked growth with higher potential. Both provide permanent death benefit. IUL suits those wanting more growth potential with downside protection.

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Dedicated Universal Life coverage page for Marco Shores-Hammock Bay with local agent support.

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Universal Life protection tailored to Naples Manor families and businesses.

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Compare Universal Life rates from licensed carriers serving Pelican Marsh.

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Personalized Universal Life quotes for Winding Cypress residents — no obligation.

View Winding Cypress Coverage

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