June Marcia Williams

Your Insurance Agent in Wauchula, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Wauchula, FL...

National Producer No.

17209549

Verify ↗

Universal Life Insurance in Wauchula, FL

June Williams — NPN 17209549. Cash accumulation and retirement planning.

Universal life insurance for Wauchula, 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 · Wauchula, FL

Wauchula, FL — Your Local Producer

Hello, Wauchula! As a resident of the Sunshine State, I appreciate the unique, close-knit character that defines life here in Hardee County. My name is June Marcia Williams, and I am a licensed insurance producer dedicated to serving our community. I help individuals and families navigate their options for personal insurance, including Term Life, Whole Life, Final Expense, and other supplemental plans. Whether you're planning for the future or seeking protection for unexpected events, I'm here to provide clear, personalized guidance. It's my goal to help my Wauchula neighbors feel confident in their decisions. (NPN: 17209549, Florida License No: W840529)

Hardee County Courthouse
Wauchula Train Depot
Peace River Park

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Wauchula

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

Acheline Delhomme

Life Including Variable Annuity & Health

NPN 20368127 Licensed 2022

Angela Patricia Medina

Life Including Variable Annuity & Health

NPN 20788356 Licensed 2023

Aniuska N Darnott Pena

Life Including Variable Annuity & Health

NPN 21147759 Licensed 2024

Antonio Montanez Arellano

Life Including Variable Annuity & Health

NPN 21224122 Licensed 2024

Aubrey Olivia Romann

Life Including Variable Annuity & Health

NPN 20782890 Licensed 2023

Cheryl Lynn Valentin Burt

Life Including Variable Annuity & Health

NPN 20467602 Licensed 2022

Claire Eve Cornell

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

NPN 19018599 Licensed 2019

Clara Durrance Laurent

Life Including Variable Annuity & Health

NPN 19755323 Licensed 2020

Courtney Asheleigh Graham

Life Including Variable Annuity & Health

NPN 8908635 Licensed 2017

Craig William Baldauf

Life Including Variable Annuity & Health

NPN 18988123 Licensed 2018

Dai Bear Thao

Life Including Variable Annuity & Health

NPN 6981179 Licensed 2023

Dana Marie Hernandez

Life Including Variable Annuity & Health

NPN 22173047 Licensed 2026

David Bryan Singletary

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

NPN 2970684 Licensed 2000

Derren James Bryan

Life Including Variable Annuity & Health

NPN 9397327 Licensed 2011

Dustin Wayne Albritton

Life Including Variable Annuity & Health

NPN 22048022 Licensed 2025

Elisa Ochoa

Life Including Variable Annuity & Health

NPN 21124816 Licensed 2024

Estaban R Romero

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

NPN 20242568 Licensed 2022

George L Wadsworth

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

NPN 461878 Licensed 1990

George Nelson Lackey

Life Including Variable Annuity & Health

NPN 21055083 Licensed 2024

James William Yeomans

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

NPN 15907234 Licensed 2010

Jason Cloud

Life Including Variable Annuity & Health

NPN 18150923 Licensed 2016

Javier Perez Quezada

Life Including Variable Annuity & Health

NPN 17755254 Licensed 2015

Jorge Eliazar Perez

Life Including Variable Annuity & Health

NPN 21104774 Licensed 2024

Jose Angel Juarez

Life Including Variable Annuity & Health

NPN 21038197 Licensed 2024

View all 46 licensed universal life producers in Wauchula →

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

Official Wauchula Resources

County Hardee County

Population ~4,898

Lack of insurance (18–64) 26.3%

FIPS code 1275375

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 Wauchula rates. Start your quote request below.

FL OIR .GOV Hardee County Gov Portal .GOV

2.5 10 reviews

Wauchula City Utility Department photo 1

Photos by Skylaar Simmons via Google Maps

View on Google Maps

Wauchula City Utility Department

Closed now · Mon 9:00 AM – 4:00 PM

(863) 773-3131

cityofwauchula.gov .GOV

126 S 7th Ave, Wauchula, FL 33873, USA

Recent Reviews

Skylaar Simmons ★☆☆☆☆

"My family was not taking seriously was told the truck arm did this with no possible way of human contact… Love it thank you again for treating a family like a joke"

Kayla Hildreth ★☆☆☆☆

"If you’re one day late, because you forgot to pay your bill the day before, it completely resets your 2 year waiting period to get your deposit back. Gotta love the greed."

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.

✅

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 Wauchula

More Insurance Options in Wauchula, 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

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

Universal Life Insurance in Wauchula, FL

Wauchula, FL — Your Local Producer

Licensed Universal Life Producers in Wauchula

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Wauchula 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 Wauchula, 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?

Also Serving Hardee County

Bowling Green Life Protection

Fort Green Financial Security

Fort Green Springs Financial Security

Gardner Financial Security

Lemon Grove Wealth Strategy

Limestone Coverage Guide

Ona Financial Security

Zolfo Springs Financial Security

Auburndale Life Protection

Bartow Wealth Strategy

Bradley Junction Coverage Guide

The Cypress Gardens Legacy Plan

Eloise Life Protection

The Haines City Legacy Plan

Lake Wales Coverage Guide

Lakeland Life Protection

The Lakeland Highlands Legacy Plan

Willow Oak Wealth Strategy

Anna Maria Life Protection

The Bayshore Gardens Legacy Plan

Braden River Life Protection

Bradenton Life Protection

Bradenton Beach Wealth Strategy

College Plaza Coverage Guide

The Holmes Beach Legacy Plan

The Palmetto Legacy Plan

Terra Ceia Financial Security

West Bradenton Financial Security

Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Wauchula Resources