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Home›Florida›Highlands County›Lake Placid›Universal Life Insurance

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

Universal Life Insurance in Lake Placid, FL

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

Universal life insurance for Lake Placid, 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 · Lake Placid, FL

Lake Placid, FL — Your Local Producer

Hello to my neighbors in Lake Placid! Living here in Highlands County, we appreciate the unique beauty of our community, from the stunning murals that tell our story to the serene waters of our many lakes. As a licensed insurance producer right here in Florida, I'm dedicated to helping my fellow residents protect what matters most. I offer a range of personal insurance options, including Term Life, Whole Life, Final Expense, and supplemental health plans. My goal is to help you understand your choices so you can find a path forward with confidence. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

  • The Murals of Lake Placid
  • Toby's Clown School
  • Lake Placid Tower
NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Lake Placid

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

AN
Alexander Whitehead Rivera Nieves
Life Including Variable Annuity & Health
NPN 20830744 Licensed 2023
AB
Allisa Michelle Burke-Thomas
Life Including Variable Annuity & Health
NPN 8073064 Licensed 2024
AH
Alyssa Hill
Life Including Variable Annuity & Health
NPN 20815284 Licensed 2023
AD
Amethyst Luz Dawson
Life Including Variable Annuity & Health
NPN 20469135 Licensed 2022
AL
Amy Lee
Life Including Variable Annuity & Health
NPN 21470205 Licensed 2025
AN
Anna R Nichols
Life Including Variable Annuity & Health
NPN 20059858 Licensed 2021
AT
Anny C Tapia
Life Including Variable Annuity & Health
NPN 19281098 Licensed 2019
AP
Audrey Pendarvis
Life Including Variable Annuity & Health
NPN 21618860 Licensed 2025
AG
Austin Brantley Gibbs
Life Including Variable Annuity & Health
NPN 22236809 Licensed 2026
BP
Barbara Lynn Powell
Life Including Variable Annuity & Health
NPN 10617024 Licensed 2016
BC
Benjamin Alexander Clabault
Life Including Variable Annuity & Health
NPN 22226030 Licensed 2026
BD
Brandee Ranae Delgado
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 16527549 Licensed 2015
BH
Brittany Melyn Higgins
Life Including Variable Annuity & Health
NPN 19170380 Licensed 2019
BC
Bryce David Courson
Life Including Variable Annuity & Health
NPN 22197026 Licensed 2026
CB
Cheryl Sloan Brown
Life Including Variable Annuity & Health
NPN 16580772 Licensed 2012
CT
Christopher Troye
Life Including Variable Annuity & Health
NPN 21380879 Licensed 2024
CH
Cody R Higgins
Life Including Variable Annuity & Health
NPN 18532218 Licensed 2017
CP
Colleen Robin Pennisi-Perez
Life Including Variable Annuity & Health
NPN 16243652 Licensed 2011
CS
Curtis L Slade
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 16653832 Licensed 2014
DH
Daniel Bryan Harmon
Life Including Variable Annuity & Health
NPN 21711173 Licensed 2025
DB
Derek Gray Bissette
Life Including Variable Annuity & Health
NPN 22150791 Licensed 2026
DD
Dylan Robert Deford
Life Including Variable Annuity & Health
NPN 22150774 Licensed 2026
EC
Edgar Cancino
Life Including Variable Annuity & Health
NPN 21044930 Licensed 2023
EC
Edward Thomas Carpenter
Life Including Variable Annuity & Health
NPN 722603 Licensed 2021
View all 87 licensed universal life producers in Lake Placid →

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 Lake Placid regional market. Rates are localized using regional health baselines.

Official Lake Placid Resources

County Highlands County
Population ~2,349
Lack of insurance (18–64) 18.3%
FIPS code 1238625

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 Lake Placid rates. Start your quote request below.

FL OIR .GOV Highlands County Gov Portal .GOV
Google Maps
5.0 6 reviews
Town of Lake Placid Government Center photo 1
Photos by Angel Mejia via Google Maps
View on Google Maps
Town of Lake Placid Government Center
Open now · Mon 8:00 AM – 4:00 PM
(863) 699-3747
lakeplacidfl.net
1069 FL-25, Lake Placid, FL 33852, USA
Recent Reviews
Charles Del Campo ★★★★★
"Great governmental building and employees but don’t expect any help or assistance whatsoever from the elected political representatives who will bluntly refuse to help you at all..good old boys town!"
Javier Gonzalez ★★★★★
"Great service! Mrs. Sabrina has great customer service skills. I would defenetly recommend calling if you have questions or concerns."
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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Flexible coverage for your changing needs — no obligation — custom strategies from top carriers

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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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
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 Lake Placid

More Insurance Options in Lake Placid, 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

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The Sebring Legacy Plan

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Venus Wealth Strategy

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Buckhead Ridge Financial Security

Dedicated Universal Life coverage page for Buckhead Ridge with local agent support.

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The Moore Haven Legacy Plan

Universal Life protection tailored to Moore Haven families and businesses.

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Palmdale Coverage Guide

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The Arcadia Legacy Plan

Dedicated Universal Life coverage page for Arcadia with local agent support.

View Arcadia Coverage

Pine Level Life Protection

Universal Life protection tailored to Pine Level families and businesses.

View Pine Level Coverage

Southeast Arcadia Wealth Strategy

Personalized Universal Life quotes for Southeast Arcadia residents — no obligation.

View Southeast Arcadia Coverage
Read the Full Universal Life Consumer Guide →

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

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