June Marcia Williams

Your Insurance Agent in Green Cove Springs, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Green Cove Springs, FL...

National Producer No.

17209549

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Business Life Insurance in Green Cove Springs, FL

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

Business life insurance for Green Cove Springs, 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 · Green Cove Springs, FL

Green Cove Springs, FL — Your Local Producer

Hello, Green Cove Springs! As a fellow Floridian, I appreciate the unique charm and strong community spirit that makes Clay County such a wonderful place to call home. Whether you're enjoying the historic downtown or spending time near the St. Johns River, it's important to have peace of mind about the future. As a licensed insurance producer, I'm here to help my neighbors in Green Cove Springs navigate their options for life, final expense, and supplemental health insurance. My goal is to provide clear, personalized guidance so you can find the right protection for your family's needs. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Spring Park
Clay County Courthouse
Clay High School

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Green Cove Springs

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

Adrian C Lewis

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

NPN 19405277 Licensed 2021

Alexander Broadbent

Life Including Variable Annuity & Health

NPN 21649671 Licensed 2025

Allison Alexander

Life Including Variable Annuity & Health

NPN 21664376 Licensed 2025

Almitchell Laude Ignacio

Life Including Variable Annuity & Health

NPN 21769492 Licensed 2025

Andres E Mosquera Salazar

Life Including Variable Annuity & Health

NPN 18811182 Licensed 2023

Ashley Catherine Sims Schaffner

Life Including Variable Annuity & Health

NPN 20365200 Licensed 2022

Ashley Orbe

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

NPN 20277656 Licensed 2022

Beth Ann Thompson

Life Including Variable Annuity & Health

NPN 22218452 Licensed 2026

Brandi Mischele Wilson

Life Including Variable Annuity & Health

NPN 20751808 Licensed 2023

Brandon Michael Bascelli

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

NPN 8870921 Licensed 2012

Brenda Marion Lee

Life Including Variable Annuity & Health

NPN 20862346 Licensed 2023

Brock Powell

Life Including Variable Annuity & Health

NPN 2807027 Licensed 2021

Cali Taylor

Life Including Variable Annuity & Health

NPN 22181352 Licensed 2026

Cameron Stinson

Life Including Variable Annuity & Health

NPN 20686864 Licensed 2023

Candy Vanessa Giraldo

Life Including Variable Annuity & Health

NPN 20032777 Licensed 2025

Carlin Marie Cruz Duenas

Life Including Variable Annuity & Health

NPN 19950127 Licensed 2021

Carol Michele Doll

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

NPN 507355 Licensed 1996

Catchi Cache Tomas

Life Including Variable Annuity & Health

NPN 18792820 Licensed 2024

Channy S Khiev

Life Including Variable Annuity & Health

NPN 20078577 Licensed 2021

Charlotte So

Life Including Variable Annuity & Health

NPN 20727415 Licensed 2023

Christopher A Buschle

Life Including Variable Annuity & Health

NPN 520193 Licensed 2001

Christopher Allen Hall

Life Including Variable Annuity & Health

NPN 9894559 Licensed 2020

Clinton Leonard Frazier

Life Including Variable Annuity & Health

NPN 10232539 Licensed 2019

Cody Rae Collette

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

NPN 17321300 Licensed 2023

View all 175 licensed business life producers in Green Cove Springs →

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 Green Cove Springs regional market. Rates are localized using regional health baselines.

Official Green Cove Springs Resources

County Clay County

Population ~9,758

Lack of insurance (18–64) 11.8%

FIPS code 1227400

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 Green Cove Springs rates. Start your quote request below.

FL OIR .GOV Clay County Gov Portal .GOV

3.7 19 reviews

Photos by Michael Rivera , Virginia , Jay Wike , Melissa Coffie via Google Maps

View on Google Maps

Green Cove Springs City Hall

Open now · Mon 7:00 AM – 5:30 PM

(904) 297-7500

greencovesprings.com

Grn, 321 Walnut St, Green Cove Springs, FL 32043, USA

Recent Reviews

Hans Pierre ★★★★★

"The school system is great, and my coaches are beyond experienced and role models. The people for the most part are very home oriented and very chill. Nice places to hang out and relax your mind, and …"

John Ellis ★★☆☆☆

"I refer to it as the new Waldo. Great place, great people, but city management and enforcement needs improvement (overhauled) While the rest of the area gets rid of Red light cameras. (Jax / Palatka) …"

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 Green Cove Springs

More Insurance Options in Green Cove Springs, 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 Green Cove Springs, FL

Green Cove Springs, FL — Your Local Producer

Licensed Business Life Producers in Green Cove Springs

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Green Cove Springs 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 Green Cove Springs, 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 Green Cove Springs Resources