June Marcia Williams

Your Insurance Agent in Flagler Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Flagler Beach, FL...

National Producer No.

17209549

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Universal Life Insurance in Flagler Beach, FL

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

Universal life insurance for Flagler Beach, 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 · Flagler Beach, FL

Flagler Beach, FL — Your Local Producer

For those of us lucky enough to call Flagler Beach home, life moves at its own special pace, guided by the tides and the ocean breeze along A1A. As a local licensed insurance producer, I'm dedicated to helping my Flagler County neighbors protect what matters most. I offer a range of personal insurance options, including Term Life, Whole Life, Final Expense, and Critical Illness policies, to help you plan for the future. Whether you're starting a family or securing your legacy, I'm here to help you navigate your choices. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Flagler Beach Municipal Pier
Gamble Rogers Memorial State Recreation Area
Flagler Beach City Hall

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Flagler Beach

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

Alexander Harry Vorgias

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

NPN 8884067 Licensed 2006

Amy Barnhill Ford

Life Including Variable Annuity & Health

NPN 19882268 Licensed 2021

Anasofia Jimenez

Life Including Variable Annuity & Health

NPN 22193668 Licensed 2026

Charles R Triplett

Life Including Variable Annuity & Health

NPN 19193269 Licensed 2019

Colette M Handy

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

NPN 18586760 Licensed 2017

Courtney Hill-Frackowiak

Life Including Variable Annuity & Health

NPN 15791128 Licensed 2023

David M Nash

Life Including Variable Annuity & Health

NPN 16916163 Licensed 2026

Donna Rose Refvik

Life Including Variable Annuity & Health

NPN 22093783 Licensed 2026

Duane Anthony Holt

Life Including Variable Annuity & Health

NPN 21414555 Licensed 2024

Eathyn Tyler Little

Life Including Variable Annuity & Health

NPN 22109495 Licensed 2026

Fred Joseph Tantillo

Life Including Variable Annuity & Health

NPN 417739 Licensed 2022

Hailey Michelle Lulgjuraj

Life Including Variable Annuity & Health

NPN 22224422 Licensed 2026

Iola Dawn Burnsed

Life Including Variable Annuity & Health

NPN 19661889 Licensed 2020

Jack Marlyn Siedling

Life Including Variable Annuity & Health

NPN 20719152 Licensed 2023

Jacob James Koch

Life Including Variable Annuity & Health

NPN 19732796 Licensed 2020

Jacquelyn M Rector

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

NPN 907936 Licensed 2008

Jamie Lynn Cutlip

Life Including Variable Annuity & Health

NPN 20642273 Licensed 2023

Jarrett Reese Patton

Life Including Variable Annuity & Health

NPN 22103890 Licensed 2026

Jay Glen Pivnick

Life Including Variable Annuity & Health

NPN 613686 Licensed 2016

Jenna L Houstoun

Life Including Variable Annuity & Health

NPN 18729047 Licensed 2018

Jimmy Lee Humphrey

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

NPN 492150 Licensed 1993

John Thomas Birney

Life Including Variable Annuity & Health

NPN 423622 Licensed 1987

John Thomas Birney

Life Including Variable Annuity & Health

NPN 18563130 Licensed 2017

Joseph Bruno

Life Including Variable Annuity & Health

NPN 6723561 Licensed 2011

View all 46 licensed universal life producers in Flagler Beach →

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

Official Flagler Beach Resources

County Flagler County

Population ~5,100

Lack of insurance (18–64) 7.8%

FIPS code 1222550

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 Flagler Beach rates. Start your quote request below.

FL OIR .GOV Flagler County Gov Portal .GOV

2.7 10 reviews

Photos by Leonard David Buzby , JUAN DAVID ECHEZABAL , Mary Pippin via Google Maps

View on Google Maps

FLAGLER BEACH CITY COMM ROOM

(386) 517-2000

cityofflaglerbeach.com

105 S 2nd St, Flagler Beach, FL 32136, USA

Recent Reviews

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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.

See If You Pre-Qualify in 60 Seconds

Flexible coverage for your changing needs — no obligation — custom strategies from top carriers

How much coverage do you need?

$50K

$100K

$150K

$250K

$400K

$500K+

How long do you need coverage?

10 yr

15 yr

20 yr

25 yr

30 yr

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Never

Quit 5+ yrs

Quit 1-5 yrs

Current

Have you ever been treated for high blood pressure?

Yes

Have you ever been treated for high cholesterol?

Yes

Have you been diagnosed with or treated for diabetes?

Yes

Has a parent died before age 65 from heart disease or cancer?

Yes

Any DUI/DWI in the past 5 years?

Yes

First Name

Last Name

Phone

Zip Code

⚡ Call me ASAP — I want to speak with an agent as soon as possible

Your info is secure and never shared. June will contact you within minutes with personalized quotes. Pre-qualification is an estimate — final rates determined by carrier underwriting.

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Quote Request Received!

June will contact you within minutes with personalized quotes 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

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

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 Flagler Beach

More Insurance Options in Flagler Beach, 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.

Visit nipr.com →.COM

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.

Nearby Universal Life Coverage

Read the Full Universal Life Consumer Guide →

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

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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

Universal Life Insurance in Flagler Beach, FL

Flagler Beach, FL — Your Local Producer

Licensed Universal Life Producers in Flagler Beach

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Flagler Beach Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Pre-Qualify in 60 Seconds

Quote Request Received!

IUL Options

Simplified Issue IUL

Cash Accumulation IUL

Protection-Focused IUL

Everything You Need to Know About Universal Life Insurance

How Does IUL Work?

What Are Cap Rates and Floors?

Can IUL Pay for Long-Term Care?

IUL for Retirement Planning

IUL vs. Whole Life vs. Term

Florida Life Insurance Consumer Rights

More Insurance Options in Flagler Beach, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Indexed Universal Life (IUL) FAQ

How does indexed universal life (IUL) work?

What are cap rates and floors?

Can IUL pay for long-term care?

Is IUL good for retirement?

What's the difference between IUL and whole life?

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Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Flagler Beach Resources