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

Business Life Insurance in Ruskin, FL

Key person, buy-sell, and business loan protection.

Business life insurance for Ruskin, 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 · Ruskin, FL

Ruskin, FL — Your Local Producer

Hello, Ruskin! As a fellow Floridian, I appreciate the unique character of our Hillsborough County communities, from the waterfront lifestyle to the rich agricultural roots. My name is June Marcia Williams, and as a licensed insurance producer, I'm committed to helping my neighbors here in Ruskin understand their options. I offer personal guidance on a range of products like Term Life, Final Expense, and supplemental health plans, ensuring you have the information you need to protect what matters most. My focus is on building security for your family's future. (NPN: 17209549, Florida License No: W840529)

  • Ruskin Family Drive-In Theatre
  • E.G. Simmons Conservation Park
  • U.S. Route 41
NPN17209549FL LicenseW840529

Licensed Business Life Producers in Ruskin

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

AO
Abiodun K Olusesi
Life Including Variable Annuity & Health
NPN 20784416 Licensed 2023
AP
Abriana Alejandra Petit
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 19044246 Licensed 2019
AJ
Adesuwa Justice
Life Including Variable Annuity & Health
NPN 20068758 Licensed 2021
AM
Alan Eugene Maiden
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 18791842 Licensed 2018
AF
Alana Fisher
Life Including Variable Annuity & Health
NPN 20877524 Licensed 2023
AL
Alena A Lewis
Life Including Variable Annuity & Health
NPN 20350939 Licensed 2022
AW
Alexis Wallace
Life Including Variable Annuity & Health
NPN 20868692 Licensed 2023
AM
Alida Rebeca Vargas Maldonado
Life Including Variable Annuity & Health
NPN 21481886 Licensed 2025
AD
Aline Djiadjeu
Life Including Variable Annuity & Health
NPN 20230574 Licensed 2022
AF
Alora Gabrielle Feller
Life Including Variable Annuity & Health
NPN 20457799 Licensed 2022
AT
Alton Taylor
Life Including Variable Annuity & Health
NPN 20040405 Licensed 2021
AM
Amanda Quinn Mcconnell
Life Including Variable Annuity & Health
NPN 20658042 Licensed 2023
AV
Amanda Varkonyi
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 11908098 Licensed 2014
AY
Amanda Yates
Life Including Variable Annuity & Health
NPN 22055199 Licensed 2025
AG
Amarilys Barrera Godinez
Life Including Variable Annuity & Health
NPN 21559265 Licensed 2025
AD
Amber Megan Duonnolo
Life Including Variable Annuity & Health
NPN 20217235 Licensed 2022
AS
Amber Strayer
Life Including Variable Annuity & Health
NPN 21040228 Licensed 2024
AD
Amy Driggers
Life Including Variable Annuity & Health
NPN 21651262 Licensed 2025
AH
Amy Melissa Hill
Life Including Variable Annuity & Health
NPN 17587384 Licensed 2015
AB
Ana Carolina Saavedra Bohorquez
Life Including Variable Annuity & Health
NPN 21087210 Licensed 2024
AM
Ana Marquez
Life Including Variable Annuity & Health
NPN 21404961 Licensed 2024
AP
Anays Pita
Life Including Variable Annuity & Health
NPN 21540360 Licensed 2025
AT
Andre Taylor
Life Including Variable Annuity & Health
NPN 19070469 Licensed 2019
AE
Andrea Filomena Enes
Life Including Variable Annuity & Health
NPN 20877645 Licensed 2023
View all 374 licensed business life producers in Ruskin →

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

Official Ruskin Resources

County Hillsborough County
Population ~28,878
Lack of insurance (18–64) 19.2%
FIPS code 1262275

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 Ruskin rates. Start your quote request below.

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.

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

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.

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Consultation Request Sent!

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

Business Life Options

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

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.

📊

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.

⚖️

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.

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.

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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.

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