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Home›Florida›Broward County›Margate›Universal Life Insurance

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

Universal Life Insurance in Margate, FL

Flexible premiums, S&P 500-linked returns, 0% floor.

Universal life insurance for Margate, 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 · Margate, FL

Margate, FL — Your Local Producer

Hello, Margate! As a fellow Floridian, I appreciate the unique community spirit we have here in Broward County. Whether you're enjoying a day at Calypso Cove or just appreciating our city's beautiful canals, it's a wonderful place to call home. As a licensed insurance producer, my goal is to help my Margate neighbors find peace of mind. I offer a range of personal insurance options, including Term Life, Whole Life, Final Expense, and more, to help you protect what matters most. I'm here to help you navigate your choices and find a plan that fits your life. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • Calypso Cove Aquatic Facility
  • Margate City Hall
  • Oriole Golf Club
NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Margate

1028 on public record · Florida DFS · Fla. Stat. §119.01

AC
Aaron Colon
Life Including Variable Annuity & Health
NPN 20854582 Licensed 2023
AS
Abraham E Suarez
Life Including Variable Annuity & Health
NPN 17354353 Licensed 2014
AR
Abrahan Gabriel De La Rosa
Life Including Variable Annuity & Health
NPN 17321315 Licensed 2014
AD
Adam Desimone
Life Including Variable Annuity & Health
NPN 19208311 Licensed 2019
AE
Adam Ethridge
Life Including Variable Annuity & Health
NPN 17710444 Licensed 2023
AF
Adam Fisch
Life Including Variable Annuity & Health
NPN 22207621 Licensed 2026
AD
Adelson Dejour
Life Including Variable Annuity & Health
NPN 21637163 Licensed 2025
AP
Adia Karlicia Victoria Philip
Life Including Variable Annuity & Health
NPN 22186483 Licensed 2026
AP
Adrian Permaul
Life Including Variable Annuity & Health
NPN 18803287 Licensed 2018
AW
Adrianne Dickinson Wright
Life Including Variable Annuity & Health
NPN 16708839 Licensed 2012
AL
Agatha Kelly Ferreira Lourenco
Life Including Variable Annuity & Health
NPN 20819586 Licensed 2023
AB
Agustin Lita Lolita Bowdry
Life Including Variable Annuity & Health
NPN 16638647 Licensed 2024
AA
Aisha Michelle Arizmendi
Life Including Variable Annuity & Health
NPN 20838298 Licensed 2023
AC
Akilah Cabey
Life Including Variable Annuity & Health
NPN 20979622 Licensed 2023
AJ
Albert Jeantinor
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 8575080 Licensed 2017
AP
Alden Prince
Life Including Variable Annuity & Health
NPN 4191443 Licensed 2001
AF
Aldith R Farquharson
Life Including Variable Annuity & Health
NPN 1681650 Licensed 2001
AW
Aldouphus Germone Williams
Life Including Variable Annuity & Health
NPN 20506903 Licensed 2022
AC
Aleexus Crowder
Life Including Variable Annuity & Health
NPN 20130426 Licensed 2021
AD
Alejandra Damiani
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 16742929 Licensed 2012
AM
Alex Adan Torres Morales
Life Including Variable Annuity & Health
NPN 21618984 Licensed 2025
AC
Alexander Cook
Life Including Variable Annuity & Health
NPN 18414851 Licensed 2017
AM
Alexander Jacob Masarek
Life Including Variable Annuity & Health
NPN 18331655 Licensed 2017
AB
Alexander Leopaul Bailey
Life Including Variable Annuity & Health
NPN 19284286 Licensed 2019
View all 1028 licensed universal life producers in Margate →

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

Official Margate Resources

County Broward County
Population ~58,396
Lack of insurance (18–64) 16.0%
FIPS code 1243125

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 Margate rates. Start your quote request below.

FL OIR .GOV Broward County Gov Portal .GOV
Google Maps
3.8 26 reviews
City of Margate photo 1City of Margate photo 2City of Margate photo 3
Photos by Stephanie , Dave Salmon , City of Margate via Google Maps
View on Google Maps
City of Margate
Open now · Mon 8:00 AM – 6:00 PM
(954) 972-6454
margatefl.com
5790 Margate Blvd, Margate, FL 33063, USA
Recent Reviews
Fwayjoe ★★★★★
"Amazing city, clean parks, nice people, and low crime rates. Been living here for 11 years, only problem could be how busy it could get in traffic around state road 7 and Atlantic. Can’t wait for the …"
Stephanie ★★★★★
"Beautiful city. The city employees take good care of the park’s and roads. It’s a family and pet friendly atmosphere. Margate Police is in the neighborhood, no violence. Nice neighbors and they mind t…"
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 Universal Life Guide →

Select your coverage below to see your price in seconds.

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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.
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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
Compare Plans

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
Most Popular

Cash Accumulation IUL

Cash accumulation focus
  • Fully underwritten — best rates
  • Issue ages 0–85
  • $100K+ face amounts
  • S&P 500 + 3 index strategies
  • Long-Term Care rider available
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
📖 Universal Life / IUL Knowledge

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.
Life Insurance in Margate

More Insurance Options in Margate, FL

🛡️ Term Life 💎 Whole Life 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 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

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Use NIPR's lookup tool to verify any agent's National Producer Number and active state licenses.

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Frequently Asked Questions

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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View Islamorada, Village of Islands Coverage

Key Colony Beach Coverage Guide

Personalized Universal Life quotes for Key Colony Beach residents — no obligation.

View Key Colony Beach Coverage

Key West Financial Security

Universal Life protection tailored to Key West families and businesses.

View Key West Coverage

Layton Financial Security

Universal Life protection tailored to Layton families and businesses.

View Layton Coverage

Marathon Coverage Guide

Personalized Universal Life quotes for Marathon residents — no obligation.

View Marathon Coverage

Stock Island Financial Security

Compare Universal Life rates from licensed carriers serving Stock Island.

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The Summerland Key Legacy Plan

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Tavernier Wealth Strategy

Personalized Universal Life quotes for Tavernier residents — no obligation.

View Tavernier Coverage
Read the Full Universal Life Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

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