June Marcia Williams

Your Insurance Agent in Marco Island, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Marco Island, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Marco Island, FL

Key person, buy-sell, and business loan protection.

Business life insurance for Marco 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 · Marco Island, FL

Marco Island, FL — Your Local Producer

Living here on Marco Island means embracing a unique coastal lifestyle, and your financial planning should reflect that peace of mind. I'm June Marcia Williams, a fellow Floridian and your local licensed insurance producer, dedicated to serving my Collier County neighbors. I help individuals and families find personal insurance solutions, including Term, Whole, and Universal Life, Final Expense, and policies for Critical Illness or Hospital Indemnity. My goal is to provide clear, straightforward guidance so you can make confident decisions for your future. As a licensed producer (NPN: 17209549, FL License No: W840529), I'm here to help you protect what matters most.

Marco Island City Hall
Mackle Park
Tigertail Beach Park

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Marco Island

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

Alexis Marina Gross

Life Including Variable Annuity & Health

NPN 21423548 Licensed 2024

Amber Fealy-Lopez

Life Including Variable Annuity & Health

NPN 20560336 Licensed 2022

Amy Beth Chapin

Life Including Variable Annuity & Health

NPN 19567723 Licensed 2020

Andrew T Shippee

Life Including Variable Annuity & Health

NPN 21635676 Licensed 2025

Andri Gonzalez

Life Including Variable Annuity & Health

NPN 20162370 Licensed 2021

Anna S Gionet

Life Including Variable Annuity & Health

NPN 16169563 Licensed 2013

Annalisa Sawick

Life Including Variable Annuity & Health

NPN 19893361 Licensed 2021

Anthony Bruno Ferrante

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

NPN 15982861 Licensed 2026

Arthur P Pizzello

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

NPN 1030479 Licensed 2021

Ashton Hicks

Life Including Variable Annuity & Health

NPN 20658204 Licensed 2023

Benjamin J Otto

Life Including Variable Annuity & Health

NPN 19045046 Licensed 2021

Brad Bersh

Life Including Variable Annuity & Health

NPN 3947691 Licensed 2015

Carmen Delia Guzman Ortiz

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

NPN 6913047 Licensed 2005

Carol Afanador Brown

Life Including Variable Annuity & Health

NPN 8880612 Licensed 2018

Clifford Joseph Heroth

Life Including Variable Annuity & Health

NPN 20356268 Licensed 2022

Coleen Marie Hodsdon

Life Including Variable Annuity & Health

NPN 18539560 Licensed 2017

Craig John Couture

Life Including Variable Annuity & Health

NPN 2892656 Licensed 1999

Crystal Ann Labelle

Life Including Variable Annuity & Health

NPN 20810058 Licensed 2023

Dana Messina

Life Including Variable Annuity & Health

NPN 16246991 Licensed 2018

Daniel Harth

Life Including Variable Annuity & Health

NPN 18488633 Licensed 2025

Darcie H Guerin

Life Including Variable Annuity & Health

NPN 7511577 Licensed 2005

David A Caruso

Life Including Variable Annuity & Health

NPN 5726474 Licensed 2005

David Latham Taber

Life Including Variable Annuity & Health

NPN 393706 Licensed 2003

David Lee Curry

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

NPN 1724258 Licensed 2000

View all 81 licensed business life producers in Marco 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 Marco Island regional market. Rates are localized using regional health baselines.

Official Marco Island Resources

County Collier County

Population ~15,942

Lack of insurance (18–64) 7.3%

FIPS code 1243083

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 Marco Island rates. Start your quote request below.

FL OIR .GOV Collier County Gov Portal .GOV

3.9 13 reviews

Photos by Doug Knarr , Als Painting Plus Painting Contractor , Tomas Kulle , Mike Sherwood via Google Maps

View on Google Maps

City of Marco Island City Hall

Open now · Mon 8:00 AM – 5:00 PM

(239) 389-5000

cityofmarcoisland.com

50 Bald Eagle Dr, Marco Island, FL 34145, USA

Recent Reviews

Anthony Daffner-Milos ★★★★★

"My name is Anthony, and I serve as a concierge physical therapist for a valued client who recently required assistance with a matter regarding her water bill. During this process, Emily Iacobucci prov…"

Pablo Lara ★☆☆☆☆

"Terrible experience especially with an older lady police officer who was guarding a public parking lot where residents have access. But this officer blocks the entrance to the parking lot saying that …"

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 Marco Island

More Insurance Options in Marco 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 Marco Island, FL

Marco Island, FL — Your Local Producer

Licensed Business Life Producers in Marco Island

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Marco 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 Marco 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 Collier County

Ave Maria Coverage Guide

Chokoloskee Wealth Strategy

The Golden Gate Legacy Plan

Immokalee Wealth Strategy

Lely Resort Coverage Guide

The Marco Shores-Hammock Bay Legacy Plan

Naples Financial Security

The Naples Manor Legacy Plan

Pelican Marsh Coverage Guide

The Winding Cypress Legacy Plan

Clewiston Coverage Guide

Felda Financial Security

Fort Denaud Coverage Guide

Harlem Financial Security

The Labelle Legacy Plan

Montura Wealth Strategy

Pioneer Life Protection

Port LaBelle Financial Security

Big Pine Key Coverage Guide

The Duck Key Legacy Plan

Islamorada, Village of Islands Coverage Guide

Key Colony Beach Coverage Guide

Key West Financial Security

Layton Financial Security

Marathon Coverage Guide

Stock Island Financial Security

The Summerland Key Legacy Plan

Tavernier Wealth Strategy

Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Marco Island Resources