June Marcia Williams

Your Insurance Agent in Fleming Island, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fleming Island, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Fleming Island, FL

June Williams — buy-sell agreements, SBA loan coverage, succession planning.

Business life insurance for Fleming Island, 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 · Fleming Island, FL

Fleming Island, FL — Your Local Producer

For my neighbors in Fleming Island, enjoying life in our corner of Clay County means appreciating our strong community bonds. Part of that is planning for the future to protect the ones we love. My name is June Marcia Williams, and as a licensed Florida insurance producer (NPN: 17209549, FL License No: W840529), I'm dedicated to helping local families understand their options. I can provide clear, straightforward guidance on personal policies like Term Life, Whole Life, Final Expense, and Critical Illness, helping you find a path to greater peace of mind.

Fleming Island High School
Moccasin Slough Park
Intersection of US-17 and County Road 220

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Fleming Island

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

Abbi Christine Denton

Life Including Variable Annuity & Health

NPN 22208089 Licensed 2026

Alexander David Carver

Life Including Variable Annuity & Health

NPN 21254272 Licensed 2024

Alexander Luther Nayfack

Life Including Variable Annuity & Health

NPN 21645023 Licensed 2025

Alice Less

Life Including Variable Annuity & Health

NPN 18759376 Licensed 2018

Allison Paige Crainick

Life Including Variable Annuity & Health

NPN 21129380 Licensed 2024

Almeta Lavonne Monroe-Turner

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

NPN 466897 Licensed 1995

Amanda Hall Hidalgo

Life Including Variable Annuity & Health

NPN 20226510 Licensed 2022

Amanda Rae Champion

Life Including Variable Annuity & Health

NPN 21327094 Licensed 2024

Andres Felipe Barbosa Gomez

Life Including Variable Annuity & Health

NPN 21216395 Licensed 2024

Andrew Clinton Kersey

Life Including Variable Annuity & Health

NPN 20761041 Licensed 2023

Anna Kay Harward

Life Including Variable Annuity & Health

NPN 21670103 Licensed 2025

Anna Marie Balmeo Varsobia

Life Including Variable Annuity & Health

NPN 19011309 Licensed 2019

Annabelle Ramirez

Life Including Variable Annuity & Health

NPN 2680532 Licensed 2022

Anthony Ernest Deluca

Life Including Variable Annuity & Health

NPN 619440 Licensed 2005

Avery Guidi

Life Including Variable Annuity & Health

NPN 21306489 Licensed 2024

Bailey Christian Hall

Life Including Variable Annuity & Health

NPN 20093755 Licensed 2021

Barry Evans Miles

Life Including Variable Annuity & Health

NPN 510634 Licensed 2017

Bret Marshall Hagwood

Life Including Variable Annuity & Health

NPN 19960823 Licensed 2021

Brian Souchet

Life Including Variable Annuity & Health

NPN 21567249 Licensed 2025

Brigida Leonor Lenderborg

Life Including Variable Annuity & Health

NPN 7487222 Licensed 2007

Brittanie Rene Stone

Life Including Variable Annuity & Health

NPN 19857700 Licensed 2021

Brittney Nicole Booker

Life Including Variable Annuity & Health

NPN 21062699 Licensed 2024

Brock John Miranda

Life Including Variable Annuity & Health

NPN 20691205 Licensed 2023

Bruce Stephen Jenrette-Lawrence

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

NPN 20388385 Licensed 2022

View all 190 licensed business life producers in Fleming Island →

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 Fleming Island regional market. Rates are localized using regional health baselines.

Official Fleming Island Resources

County Clay County

Population ~29,810

Lack of insurance (18–64) 7.9%

FIPS code 1222660

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 Fleming Island rates. Start your quote request below.

FL OIR .GOV Clay County Gov Portal .GOV

4.7 89 reviews

Photos by Kisha J , Kathy Sapp , Everything I Am , Town Hall Event Center via Google Maps

View on Google Maps

Town Hall Event Center

(904) 335-1519

flemingislandvenue.com

2300 Market Dr, Fleming Island, FL 32003, USA

Recent Reviews

Stephen O'Toole ★★★☆☆

"So I recently attended an event there, actually a wedding. The room was clean. Low cost option for a couple that didn’t want to spend money on a ceremony. Makes sense to me. But if you are looking…"

Mrs Glam ★★★★★

"Absolutely stunning venue!! With the option to rent the Gazebo outside, it really makes for the prefect wedding venue. There is a game room and a photo booth room with black currents and staging. I e…"

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 Fleming Island

More Insurance Options in Fleming Island, 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 Fleming Island, FL

Fleming Island, FL — Your Local Producer

Licensed Business Life Producers in Fleming Island

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Fleming Island 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 Fleming Island, 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 Clay County

Asbury Lake Coverage Guide

The Bellair-Meadowbrook Terrace Legacy Plan

The Green Cove Springs Legacy Plan

Keystone Heights Wealth Strategy

Lakeside Coverage Guide

The Middleburg Legacy Plan

Oakleaf Plantation Wealth Strategy

Orange Park Life Protection

Penney Farms Wealth Strategy

Crescent City Financial Security

The East Palatka Legacy Plan

Florahome Coverage Guide

Georgetown Coverage Guide

The Grandin Legacy Plan

Hollister Wealth Strategy

Interlachen Financial Security

Lake Como Financial Security

Palatka Life Protection

The Welaka Legacy Plan

Butler Beach Life Protection

Elkton Financial Security

Flagler Estates Coverage Guide

Fruit Cove Wealth Strategy

Hastings Financial Security

The Ponte Vedra Beach Legacy Plan

Saint Augustine Coverage Guide

St. Augustine Beach Financial Security

St. Augustine Shores Wealth Strategy

The World Golf Village Legacy Plan

Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Fleming Island Resources