June Marcia Williams

Your Insurance Agent in Atlantic Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Atlantic Beach, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Atlantic Beach, FL

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

Business life insurance for Atlantic Beach, 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 · Atlantic Beach, FL

Atlantic Beach, FL — Your Local Producer

For those of us who call Atlantic Beach home, life is about more than just the beautiful coastline; it's about the strong sense of community we share here in Duval County. Protecting your family's future is just as important as enjoying our unique way of life. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping my neighbors navigate their options for life insurance and other personal policies. I offer clear, straightforward guidance on everything from Term and Whole Life to Final Expense plans, helping you feel secure. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Beaches Town Center
Dutton Island Preserve
Howell Park

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Atlantic Beach

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

Alexa Clara Layne

Life Including Variable Annuity & Health

NPN 20581098 Licensed 2023

Alexia Leigh Adcock-Stanford

Life Including Variable Annuity & Health

NPN 19652201 Licensed 2020

Amy Paulette Millner

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

NPN 7705856 Licensed 2021

Angelica Swindle

Life Including Variable Annuity & Health

NPN 20164666 Licensed 2021

Brittany Ann Conte

Life Including Variable Annuity & Health

NPN 20201045 Licensed 2022

Carey Davis Sumner

Life Including Variable Annuity & Health

NPN 21347374 Licensed 2024

Carmen Alicia Nix

Life Including Variable Annuity & Health

NPN 19744387 Licensed 2020

Charles Richard Carroll

Life Including Variable Annuity & Health

NPN 579344 Licensed 1994

Chase Jordan Ledsworth

Life Including Variable Annuity & Health

NPN 21101599 Licensed 2024

Chelsea Rayne Butler

Life Including Variable Annuity & Health

NPN 18561853 Licensed 2025

Coletta Mae Hodges

Life Including Variable Annuity & Health

NPN 481516 Licensed 2011

Daniel Albert Hartman

Life Including Variable Annuity & Health

NPN 16710622 Licensed 2021

David Scott Cattin

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

NPN 605530 Licensed 1998

Dawn Chomo

Life Including Variable Annuity & Health

NPN 21661144 Licensed 2025

Deborah Brotherton

Life Including Variable Annuity & Health

NPN 18986917 Licensed 2018

Derek Wiltison

Life Including Variable Annuity & Health

NPN 9524820 Licensed 2007

Devon J Hopkins

Life Including Variable Annuity & Health

NPN 16144496 Licensed 2017

Elisabeth Brownrigg Ramsay

Life Including Variable Annuity & Health

NPN 20860022 Licensed 2023

Erin Martin

Life Including Variable Annuity & Health

NPN 21783605 Licensed 2025

Ethan L Mehrlust

Life Including Variable Annuity & Health

NPN 18264873 Licensed 2017

Garrett Alexander Spottswood

Life Including Variable Annuity & Health

NPN 19681545 Licensed 2020

Gary Christopher Thompson

Life Including Variable Annuity & Health

NPN 564469 Licensed 1992

Geffrey Horace Lewis

Life Including Variable Annuity & Health

NPN 480507 Licensed 1977

Harry Glasser

Life Including Variable Annuity & Health

NPN 18811926 Licensed 2018

View all 80 licensed business life producers in Atlantic Beach →

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 Atlantic Beach regional market. Rates are localized using regional health baselines.

Official Atlantic Beach Resources

County Duval County

Population ~13,381

Lack of insurance (18–64) 11.9%

FIPS code 1202400

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 Atlantic Beach rates. Start your quote request below.

FL OIR .GOV Duval County Gov Portal .GOV

3.4 17 reviews

Photos by God's Love , Robert Moore , Smith Werbenjagermanjensen via Google Maps

View on Google Maps

Atlantic Beach City Hall

Open now · Mon 8:00 AM – 5:00 PM

(904) 247-5800

coab.us

800 Seminole Rd, Atlantic Beach, FL 32233, USA

Recent Reviews

God's Love ★☆☆☆☆

"I wonder do the residents or guests of your community understand they're being watched on Seminole Road as they turn right or left from Atlantic Blvd. By most likely a License Plate Reader "Axis Commu…"

Lori Sherban ★★★★★

"Every time I go into this office, mainly the utilities department, they are always so friendly and helpful. I usually dread going to businesses like these, but this office I do not mind. Thank you for…"

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.

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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 Atlantic Beach

More Insurance Options in Atlantic Beach, 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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Business Life Insurance in Atlantic Beach, FL

Atlantic Beach, FL — Your Local Producer

Licensed Business Life Producers in Atlantic Beach

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Atlantic Beach 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 Atlantic Beach, 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 Atlantic Beach Resources