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Home›Florida›Hillsborough County›Gibsonton›Universal Life Insurance

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

Universal Life Insurance in Gibsonton, FL

Flexible premiums, S&P 500-linked returns, 0% floor.

Universal life insurance for Gibsonton, 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 · Gibsonton, FL

Gibsonton, FL — Your Local Producer

Hello, Gibsonton! As a fellow Floridian and a licensed insurance producer, I'm proud to serve the unique and vibrant community of Hillsborough County. From the banks of the Alafia River to the heart of our historic town, I understand that your life here is special and deserves protection. I'm June Marcia Williams, and I'm dedicated to helping my neighbors navigate their options for life, health, and accident insurance. Whether you're planning for your family's future or seeking a safety net for unexpected events, I'm here to provide clear, personalized guidance. (NPN: 17209549, Florida License No: W840529)

  • International Independent Showmen's Museum
  • Gibsonton Elementary School
  • Vance Vogel Park
NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Gibsonton

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

AN
Aaliyah Nauenburg-Parks
Life Including Variable Annuity & Health
NPN 20831880 Licensed 2023
AB
Abner David Medina Benitez
Life Including Variable Annuity & Health
NPN 21301655 Licensed 2024
AM
Adrian Mcneil
Life Including Variable Annuity & Health
NPN 21538657 Licensed 2025
AD
Adrianna Diaz
Life Including Variable Annuity & Health
NPN 21237224 Licensed 2024
AC
Albert Campbell
Life Including Variable Annuity & Health
NPN 21587823 Licensed 2025
AC
Andre C Curry
Life Including Variable Annuity & Health
NPN 15007662 Licensed 2010
AR
Andrew Dwayne Ralph
Life Including Variable Annuity & Health
NPN 21303560 Licensed 2024
AP
Andrew Pass
Life Including Variable Annuity & Health
NPN 22103842 Licensed 2026
AV
Angel Tadeo Vasquez
Life Including Variable Annuity & Health
NPN 20856141 Licensed 2023
AL
Angelo Armani Lovell
Life Including Variable Annuity & Health
NPN 19819772 Licensed 2021
AR
Anthony Rodriguez
Life Including Variable Annuity & Health
NPN 20339382 Licensed 2022
AO
Aryelle Taniah Katrice Owens
Life Including Variable Annuity & Health
NPN 22156830 Licensed 2026
AB
Avery Briggs
Life Including Variable Annuity & Health
NPN 17928330 Licensed 2022
BM
Belisha Millien
Life Including Variable Annuity & Health
NPN 20334923 Licensed 2022
BF
Brianne A Filena
Life Including Variable Annuity & Health
NPN 22140358 Licensed 2026
BM
Brittany Martin
Life Including Variable Annuity & Health
NPN 21527763 Licensed 2025
BT
Brooke Marie Tappen
Life Including Variable Annuity & Health
NPN 17955565 Licensed 2023
CT
Carla V Timcik
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 19376619 Licensed 2019
CB
Carlos Antonio Sanchez Baez
Life Including Variable Annuity & Health
NPN 16389554 Licensed 2024
CB
Carmen Lourdes Bell
Life Including Variable Annuity & Health
NPN 8522599 Licensed 2023
CB
Chad Rex Blankinship
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20027389 Licensed 2021
CB
Challen David Boehme
Life Including Variable Annuity & Health
NPN 21772497 Licensed 2025
CL
Charlienne Lapointe
Life Including Variable Annuity & Health
NPN 20480497 Licensed 2022
CM
Christian Maisonneuve
Life Including Variable Annuity & Health
NPN 20438209 Licensed 2022
View all 156 licensed universal life producers in Gibsonton →

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

Official Gibsonton Resources

County Hillsborough County
Population ~17,879
Lack of insurance (18–64) 21.0%
FIPS code 1225900

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 Gibsonton rates. Start your quote request below.

FL OIR .GOV Hillsborough County Gov Portal .GOV
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Gibsonton
Gibsonton, FL, USA
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 Gibsonton

More Insurance Options in Gibsonton, 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

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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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Universal Life protection tailored to New Port Richey East families and businesses.

View New Port Richey East Coverage

San Antonio Life Protection

Dedicated Universal Life coverage page for San Antonio with local agent support.

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Wesley Chapel Wealth Strategy

Universal Life protection tailored to Wesley Chapel families and businesses.

View Wesley Chapel Coverage

Zephyrhills Wealth Strategy

Personalized Universal Life quotes for Zephyrhills residents — no obligation.

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Zephyrhills North Coverage Guide

Personalized Universal Life quotes for Zephyrhills North residents — no obligation.

View Zephyrhills North Coverage

Zephyrhills South Wealth Strategy

Personalized Universal Life quotes for Zephyrhills South residents — no obligation.

View Zephyrhills South Coverage

Zephyrhills West Wealth Strategy

Personalized Universal Life quotes for Zephyrhills West residents — no obligation.

View Zephyrhills West Coverage
Read the Full Universal Life Consumer Guide →

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

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