June Marcia Williams

Your Insurance Agent in Bonifay, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Bonifay, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Bonifay, FL

June Williams — buy-sell agreements, SBA loan coverage, succession planning.

Business life insurance for Bonifay, 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 · Bonifay, FL

Bonifay, FL — Your Local Producer

Hello to my neighbors in Bonifay! In a close-knit community like ours here in Holmes County, we understand the importance of looking out for one another. That same spirit of care should extend to protecting our own families' futures. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping you find the right personal insurance coverage. Whether you're considering Term Life, Final Expense, or plans for critical illness or accidents, I can help you navigate your options to secure your peace of mind. (NPN: 17209549, FL License No: W840529)

Bonifay City Hall
Holmes County High School
Veterans Memorial Park

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Bonifay

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

Amy Sims Hewett

Life Including Variable Annuity & Health

NPN 19038654 Licensed 2019

Betty Lou Pettingill

Life Including Variable Annuity & Health

NPN 471226 Licensed 1985

Brandi Watson

Life Including Variable Annuity & Health

NPN 22132697 Licensed 2026

Destiny Jordan Boleware

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

NPN 21628662 Licensed 2025

Douglas Marsh

Life Including Variable Annuity & Health

NPN 21021769 Licensed 2023

Earnest Michael Sims

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

NPN 589836 Licensed 1990

Hollie C Tufts

Life Including Variable Annuity & Health

NPN 21174245 Licensed 2024

James Henry Wells

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

NPN 604111 Licensed 2001

Jennifer Maples

Life Including Variable Annuity & Health

NPN 20454422 Licensed 2022

John Thomas Touchton

Life Including Variable Annuity & Health

NPN 21093871 Licensed 2024

Joseph Dennis Durant

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

NPN 62634 Licensed 1974

Joshua William Herndon

Life Including Variable Annuity & Health

NPN 21544879 Licensed 2025

Kevin Womble

Life Including Variable Annuity & Health

NPN 20325709 Licensed 2022

Mallory Garshnick

Life Including Variable Annuity & Health

NPN 20552166 Licensed 2022

Mark Turner Roberson

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

NPN 7480880 Licensed 2023

Meagan Lorraine Gammons

Life Including Variable Annuity & Health

NPN 21154123 Licensed 2024

Meghan L Braddy

Life Including Variable Annuity & Health

NPN 20565483 Licensed 2022

Meredith Durant Mcgowan

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

NPN 8878601 Licensed 2008

Samantha Christine Butler

Life Including Variable Annuity & Health

NPN 21266128 Licensed 2024

Steely Joanna Herndon

Life Including Variable Annuity & Health

NPN 21287552 Licensed 2024

Steve Alton Bush

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

NPN 68100 Licensed 1998

Tiffany V Skillingstad

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

NPN 20279219 Licensed 2022

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

Official Bonifay Resources

County Holmes County

Population ~2,760

Lack of insurance (18–64) 15.8%

FIPS code 1207450

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 Bonifay rates. Start your quote request below.

FL OIR .GOV Holmes County Gov Portal .GOV

3.0 2 reviews

View on Google Maps

Bonifay City Hall

Open now · Mon 8:00 AM – 4:00 PM

(850) 547-4238

cityofbonifay.com

301 J Harvey Etheridge St, Bonifay, FL 32425, USA

Recent Reviews

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"Small town politics its who you know not what you know. There are apartments on 108 Pennsylvania street that need to be inspected and fixed for proper tenant rental. They are slums in the middle of th…"

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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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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

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.

📊

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.

Life Insurance in Bonifay

More Insurance Options in Bonifay, 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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Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Business Life Insurance in Bonifay, FL

Bonifay, FL — Your Local Producer

Licensed Business Life Producers in Bonifay

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Bonifay 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 Bonifay, 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 Bonifay Resources