June Marcia Williams

Your Insurance Agent in Lutz, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Lutz, FL...

National Producer No.

17209549

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Business Life Insurance in Lutz, FL

Key person replacement, partner buyout funding, loan collateral.

Business life insurance for Lutz, Florida residents through June Marcia Williams (NPN 17209549, FL licensed) — key person, buy-sell, and executive coverage for businesses, 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 · Lutz, FL

Lutz, FL — Your Local Producer

For my neighbors in Lutz, I know that life here in Hillsborough County offers a unique blend of peaceful, natural surroundings and vibrant community spirit. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping local families protect their financial futures. I provide guidance on a range of personal insurance options, including Term Life, Whole Life, Final Expense, and Critical Illness plans. My goal is to help you understand your choices and find a policy that brings you peace of mind, right here in the community we both call home. (NPN: 17209549, Florida License No: W840529)

Lutz Branch Library
Lake Park
Intersection of US Highway 41 and Lutz Lake Fern Road

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Lutz

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

Aaron Kenney

Life Including Variable Annuity & Health

NPN 19032033 Licensed 2020

Aaron Myers Lyon

Life Including Variable Annuity & Health

NPN 12074903 Licensed 2016

Aaron Wilson

Life Including Variable Annuity & Health

NPN 21747275 Licensed 2025

Abagail Ryan

Life Including Variable Annuity & Health

NPN 19641819 Licensed 2020

Abraham Garcia

Life Including Variable Annuity & Health

NPN 19236681 Licensed 2019

Abraham Tozier

Life Including Variable Annuity & Health

NPN 21263282 Licensed 2024

Adriana Guimaraes Pereira

Life Including Variable Annuity & Health

NPN 20231124 Licensed 2022

Alan Jay Benson

Life Including Variable Annuity & Health

NPN 487388 Licensed 1985

Albert Christian Alfonso

Life Including Variable Annuity & Health

NPN 20365098 Licensed 2022

Alec Ghodsi

Life Including Variable Annuity & Health

NPN 20284011 Licensed 2022

Aleiya Jewelisa Robles

Life Including Variable Annuity & Health

NPN 20195438 Licensed 2022

Alek Serrano

Life Including Variable Annuity & Health

NPN 19770630 Licensed 2021

Alex Buzanover

Life Including Variable Annuity & Health

NPN 20553566 Licensed 2022

Alexander Beckner

Life Including Variable Annuity & Health

NPN 21699353 Licensed 2025

Alexander Keith Arfaras

Life Including Variable Annuity & Health

NPN 10655005 Licensed 2008

Alexis Marie Stabins

Life Including Variable Annuity & Health

NPN 21419807 Licensed 2024

Ali Alyounes

Life Including Variable Annuity & Health

NPN 20605264 Licensed 2023

Alison P Leon

Life Including Variable Annuity & Health

NPN 589031 Licensed 1996

Allan Francis Dickson

Life Including Variable Annuity & Health

NPN 2878177 Licensed 1999

Alvin Sylvester Washington

Life Including Variable Annuity & Health

NPN 3217901 Licensed 2003

Alyssia Clark

Life Including Variable Annuity & Health

NPN 18259476 Licensed 2017

Amalia De Palacios

Life Including Variable Annuity & Health

NPN 17551934 Licensed 2019

Amber Cortazzo

Life Including Variable Annuity & Health

NPN 20401308 Licensed 2022

Amber M Martin

Life Including Variable Annuity & Health

NPN 17568326 Licensed 2015

View all 635 licensed business life producers in Lutz →

Verify any producer at FL DFS Licensee Search ↗. This directory lists licensed producers on public record — it does not rank, rate, or endorse.

Business Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Business Life Insurance across the Lutz regional market. Rates are localized using regional health baselines.

Official Lutz Resources

County Hillsborough County

Population ~24,721

Lack of insurance (18–64) 12.2%

FIPS code 1241775

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 Lutz rates. Start your quote request below.

FL OIR .GOV Hillsborough County Gov Portal .GOV

Photos by Spencer Raymond PA , Dwayne Wilson , Marcella Wood , Odell Mullis via Google Maps

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Lutz

Lutz, 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 Business Life Guide →

Select your coverage below to see your price in seconds.

Get a Business Protection Assessment

Protect your company's financial future — no obligation — customized corporate coverage

What do you need to protect?

👤 Key Person

🤝 Buy-Sell Agreement

🏦 Business Loan

Age of the person being insured

Under 30

30-39

40-49

50-59

Annual revenue or key person income

$50K-$100K

$100K-$200K

$200K-$500K

$500K-$1M

$1M-$2M

$2M+

Number of partners/owners

Solo

✅

Your business assessment is ready!

Based on your revenue and structure, June will calculate the exact coverage amount for key person protection, buy-sell funding, or loan collateral. Enter your contact info to receive your recommendation.

Your Name

Phone Number

Business Name

Email Address

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June will call you within 30 minutes 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

Business Life Options

Most Common

Key Person

Protect against losing a vital employee

5-10× key person's income
Covers revenue loss during replacement
Recruitment & training costs
Business debt obligations
Term or permanent options

Get Quote

Buy-Sell Agreement

Fund partner/owner transitions

% ownership × company value
Cross-purchase or entity plan
Prevents forced liquidation
Ensures fair market buyout
All partners covered equally

Get Quote

Business Loan

Collateral assignment for lenders

Coverage = outstanding principal
Lender named as collateral assignee
SBA loan requirement satisfied
Decreasing or level term
Protects personal guarantors

Get Quote

📖 Business Life Knowledge

Everything You Need to Know About Business Life Insurance

💼

What Is Key Person Insurance?

Key person insurance protects your business against the financial impact of losing a critical employee — a founder, top salesperson, or essential manager. Coverage is typically 5-10× the key person's annual income plus bonuses. The business owns the policy, pays the premiums, and receives the death benefit to cover lost revenue, recruitment, and transition costs.

🤝

Buy-Sell Agreements Explained

A buy-sell agreement is a legally binding contract that determines what happens to a partner's ownership share when they die. Life insurance funds the buyout — surviving partners receive cash to purchase the deceased's share at fair market value. Without it, heirs could become unwanted business partners or force a liquidation. Cross-purchase (partners own each other's policies) or entity purchase (business owns all policies) structures available.

🏦

Business Loan Protection

Many lenders — especially SBA loans — require life insurance on the guarantor or key principal. Coverage equals the outstanding loan balance, with the lender named as collateral assignee. If the borrower dies, the policy pays off the loan. This protects both the business and the personal assets of any guarantors. Decreasing term aligns coverage with the declining loan balance.

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How Much Coverage Do You Need?

Key Person: 5-10× income based on age (higher multiplier for younger, harder-to-replace talent). Buy-Sell: Ownership percentage × company valuation. Business Loan: Outstanding principal balance. For businesses with multiple needs, June structures layered coverage — term for short-term obligations, permanent for long-term succession planning.

🏢

Tax Implications

Key person premiums are not tax-deductible, but the death benefit is generally received tax-free by the business (subject to alternative minimum tax rules). Buy-sell premiums are also not deductible, but provide tax-efficient ownership transfer. Consult a tax advisor for your specific situation — June coordinates with your CPA to structure coverage correctly.

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Business Insurance Requirements

Florida doesn't mandate business life insurance, but SBA lenders require collateral assignment on loans above certain thresholds. Under federal IRC § 101(j), employers must obtain written notice and consent from insured employees before issuing employer-owned life insurance; IRS Form 8925 is filed annually. All policies include Florida's 14-day free-look period (Fla. Stat. § 627.4554). June ensures all documentation meets regulatory requirements.

🎓 June Marcia Williams — FL License #W840529, NPN 17209549. 12 years experience. Licensed in NJ, PA, FL, MD, VA. Appointed with A-rated life insurance carriers.

Life Insurance in Lutz

More Insurance Options in Lutz, FL

🛡️ Term Life 💎 Whole Life 📈 Universal / IUL 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🔑 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

Business Life Insurance FAQ

💼

How much key person coverage do I need?

Typically 5-10x the key person's annual income plus bonuses. Factor in recruitment costs, training time, and potential revenue loss during transition. June provides a free needs analysis.

🤝

Do all partners need equal coverage?

Coverage should be proportional to ownership interest. If Partner A owns 60% and Partner B owns 40%, coverage amounts reflect their respective buyout values based on company valuation.

🏦

Does my SBA loan require life insurance?

Most SBA lenders require life insurance on key principals with collateral assignment. The coverage amount typically equals the outstanding loan balance. June helps structure compliant policies.

📊

Term or permanent for business insurance?

Term for time-bound needs (loans, short-term key person). Permanent for long-term succession planning and buy-sell agreements. Many businesses use a combination of both.

💰

Are business life insurance premiums tax-deductible?

Generally no — premiums for key person and buy-sell policies are not deductible. However, death benefits are typically received tax-free. Consult your CPA for your specific situation.

Nearby Business Life Coverage

Read the Full Business 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

Business Life Insurance in Lutz, FL

Lutz, FL — Your Local Producer

Licensed Business Life Producers in Lutz

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Lutz Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

Get a Business Protection Assessment

Consultation Request Sent!

Business Life Options

Key Person

Buy-Sell Agreement

Business Loan

Everything You Need to Know About Business Life Insurance

What Is Key Person Insurance?

Buy-Sell Agreements Explained

Business Loan Protection

How Much Coverage Do You Need?

Tax Implications

Business Insurance Requirements

More Insurance Options in Lutz, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Business Life Insurance FAQ

How much key person coverage do I need?

Do all partners need equal coverage?

Does my SBA loan require life insurance?

Term or permanent for business insurance?

Are business life insurance premiums tax-deductible?

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Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Lutz Resources