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Home›Florida›Duval County›Jacksonville›Universal Life Insurance

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

Universal Life Insurance in Jacksonville, FL

Tax-free policy loans, long-term care rider, estate planning.

Universal life insurance for Jacksonville, 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 · Jacksonville, FL

Jacksonville, FL — Your Local Producer

Hello, Jacksonville! From the energy of downtown to the quiet neighborhoods across Duval County, I know this community is built on strong foundations. As a local licensed insurance producer, I'm here to help you protect what matters most. Whether you're thinking about securing your family's future with term or whole life insurance, planning for final expenses, or exploring options for critical illness or accident coverage, I can guide you through the process. My goal is to help you understand your choices so you can find a plan that fits your life. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • Jacksonville City Hall
  • Friendship Fountain
  • TIAA Bank Field
NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Jacksonville

8859 on public record · Florida DFS · Fla. Stat. §119.01

AS
A V Shaw
Life Including Variable Annuity & Health
NPN 41655 Licensed 2012
AF
A'Lexus Desiree Ferguson
Life Including Variable Annuity & Health
NPN 19759220 Licensed 2021
AB
A'Lonie Denise Bush
Life Including Variable Annuity & Health
NPN 20267955 Licensed 2022
AS
Aalayjah Nzinga Simmons
Life Including Variable Annuity & Health
NPN 20970949 Licensed 2023
AG
Aaliyah Gibbons
Life Including Variable Annuity & Health
NPN 21104675 Licensed 2024
AI
Aarianne Mi'Chole Israel
Life Including Variable Annuity & Health
NPN 8883005 Licensed 2014
AB
Aaron Bentley
Life Including Variable Annuity & Health
NPN 21701000 Licensed 2025
AB
Aaron Beyer
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20539148 Licensed 2024
AD
Aaron Dahl
Life Including Variable Annuity & Health
NPN 20744749 Licensed 2023
AL
Aaron Daniel Lamb
Life Including Variable Annuity & Health
NPN 19951330 Licensed 2021
AF
Aaron Fulton
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 9017512 Licensed 2007
AR
Aaron J Reed
Life Including Variable Annuity & Health
NPN 19699536 Licensed 2020
AD
Aaron James Dame
Life Including Variable Annuity & Health
NPN 8655893 Licensed 2019
AV
Aaron King Vaughn
Life Including Variable Annuity & Health
NPN 20562679 Licensed 2022
AO
Aaron Lloyd O'Neal
Life Including Variable Annuity & Health
NPN 21448894 Licensed 2025
AB
Aaron Matthew Brown
Life Including Variable Annuity & Health
NPN 19213177 Licensed 2019
AS
Aaron Michael Streater
Life Including Variable Annuity & Health
NPN 18705385 Licensed 2018
AM
Aaron Mobley
Life Including Variable Annuity & Health
NPN 15724171 Licensed 2010
AN
Aaron Parker Noles
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 17703934 Licensed 2015
AW
Aaron Paxton Wheat
Life Including Variable Annuity & Health
NPN 21643395 Licensed 2025
AG
Aaron Sean Gross
Life Including Variable Annuity & Health
NPN 20991357 Licensed 2023
AT
Aaron Thomason
Life Including Variable Annuity & Health
NPN 20750373 Licensed 2023
AW
Aaron Williams
Life Including Variable Annuity & Health
NPN 17048670 Licensed 2013
AL
Abby Brooke Lajoie
Life Including Variable Annuity & Health
NPN 21206544 Licensed 2024
View all 8859 licensed universal life producers in Jacksonville →

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

Official Jacksonville Resources

County Duval County
Population ~950,203
Lack of insurance (18–64) 13.8%
FIPS code 1235000

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 Jacksonville rates. Start your quote request below.

FL OIR .GOV Duval County Gov Portal .GOV
Google Maps
3.8 107 reviews
Jacksonville City Hall photo 1Jacksonville City Hall photo 2Jacksonville City Hall photo 3Jacksonville City Hall photo 4
Photos by stan zhu , Hoang Hieu , Freyja Rushing , TawanC via Google Maps
View on Google Maps
Jacksonville City Hall
Open now · Mon 8:00 AM – 5:00 PM
(904) 630-2489
coj.net
117 W Duval St, Jacksonville, FL 32202, USA
Recent Reviews
John Hootman (Shoot It Raw Photograph) ★★★★☆
"Come here one too many times. But when you want change, you must act. Beautiful building and park just outside. If you are going after hours, you can find parking on the street nearby. If not, the…"
Kara Turney ★★★★★
"It’s beautiful inside and has a cute cafe!"
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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Or call now: (908) 339-7723

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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 Jacksonville

More Insurance Options in Jacksonville, 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

Verify an Agent's NPN License

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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Read the Full Universal Life Consumer Guide →

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

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