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Home›Florida›Jefferson County›Monticello›Universal Life Insurance

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

Universal Life Insurance in Monticello, FL

Market-linked growth with guaranteed downside protection.

Universal life insurance for Monticello, 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 · Monticello, FL

Monticello, FL — Your Local Producer

Hello, Monticello! I'm June Marcia Williams, and I feel a deep connection to the historic charm and natural beauty that make Jefferson County so special. In a place with such strong roots, planning for your family's future is just as important as preserving our local heritage. As your licensed insurance producer, I'm here to help you navigate your options for life insurance, final expense, and other personal policies. Whether you're near the courthouse square or enjoying the quiet life, I can help you find a plan that fits your needs. Let's talk about securing your family's future. (NPN: 17209549, Florida License No: W840529)

  • Jefferson County Courthouse
  • Monticello Opera House
  • Jefferson County High School
NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Monticello

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

AG
Amanda Guilfoyle
Life Including Variable Annuity & Health
NPN 20856244 Licensed 2023
BH
Billy V. Hopkins
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 245605 Licensed 1994
BF
Brent David Facemire
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 7408596 Licensed 2023
BG
Brittany Green
Life Including Variable Annuity & Health
NPN 21219439 Licensed 2024
BP
Brittany Patterson
Life Including Variable Annuity & Health
NPN 22277539 Licensed 2026
CK
Carolyn Sue Kramer
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 8088790 Licensed 2004
CB
Cetta Barnhart
Life Including Variable Annuity & Health
NPN 17111163 Licensed 2013
CF
Charity Facemire
Life Including Variable Annuity & Health
NPN 7597738 Licensed 2025
CH
Cynthia Roberts Holland
Life Including Variable Annuity & Health
NPN 16824236 Licensed 2012
DL
Daniel Lee
Life Including Variable Annuity & Health
NPN 20417565 Licensed 2022
DB
David Emanuel Rodriguez Barrios
Life Including Variable Annuity & Health
NPN 22071251 Licensed 2025
DW
Denzel Whitfield
Life Including Variable Annuity & Health
NPN 18837708 Licensed 2018
DD
Doriann Deras
Life Including Variable Annuity & Health
NPN 20290570 Licensed 2022
DE
Doyle Carlton Enfinger
Life Including Variable Annuity & Health
NPN 20537477 Licensed 2022
EC
Elizabeth Crockett
Life Including Variable Annuity & Health
NPN 17220865 Licensed 2014
EF
Esther Fulford
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 21606333 Licensed 2025
EB
Evanda Bend
Life Including Variable Annuity & Health
NPN 20806988 Licensed 2023
HG
Hunter Patrick Greene
Life Including Variable Annuity & Health
NPN 20473850 Licensed 2022
JS
James Skipworth
Life Including Variable Annuity & Health
NPN 22109485 Licensed 2026
JS
James Thomas Surles
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 442427 Licensed 1974
JK
Joshua E. Kenison
Life Including Variable Annuity & Health
NPN 9719271 Licensed 2008
JL
Joshua James Leibbrand
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20343687 Licensed 2022
JA
Juliann Mary Anderson
Life Including Variable Annuity & Health
NPN 590062 Licensed 1995
JS
Julie Denise Sutphin
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20732015 Licensed 2023
View all 47 licensed universal life producers in Monticello →

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

Official Monticello Resources

County Jefferson County
Population ~2,589
Lack of insurance (18–64) 14.1%
FIPS code 1246500

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 Monticello rates. Start your quote request below.

FL OIR .GOV Jefferson County Gov Portal .GOV
Google Maps
3.7 3 reviews
Monticello City Hall photo 1Monticello City Hall photo 2
Photos by Urias Takatohi , Jeanne Thomas via Google Maps
View on Google Maps
Monticello City Hall
Open now · Mon 8:00 AM – 5:00 PM
(850) 342-0153
cityofmonticello.us
245 S Mulberry St, Monticello, FL 32344, USA
Recent Reviews
Leonardo Rock ★☆☆☆☆
"Do not move here if your water is through Monticello City Utility Services (MCUS). They have terrible customer service. We called about a leak and they said there was no significant change then sent a…"
Jeanne Thomas ★★★★★
"Such a beautiful friendly little town"
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.

See If You Pre-Qualify in 60 Seconds

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 Monticello

More Insurance Options in Monticello, 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.

Nearby Universal Life Coverage

Also Serving Jefferson County

Aucilla Life Protection

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View Aucilla Coverage

Lamont Life Protection

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Lloyd Financial Security

Personalized Universal Life quotes for Lloyd residents — no obligation.

View Lloyd Coverage

The Wacissa Legacy Plan

Universal Life protection tailored to Wacissa families and businesses.

View Wacissa Coverage

Waukeenah Wealth Strategy

Universal Life protection tailored to Waukeenah families and businesses.

View Waukeenah Coverage

The Perry Legacy Plan

Compare Universal Life rates from licensed carriers serving Perry.

View Perry Coverage

Salem Life Protection

Personalized Universal Life quotes for Salem residents — no obligation.

View Salem Coverage

Shady Grove Life Protection

Dedicated Universal Life coverage page for Shady Grove with local agent support.

View Shady Grove Coverage

Steinhatchee Life Protection

Universal Life protection tailored to Steinhatchee families and businesses.

View Steinhatchee Coverage

Chattahoochee Life Protection

Compare Universal Life rates from licensed carriers serving Chattahoochee.

View Chattahoochee Coverage

The Greensboro Legacy Plan

Personalized Universal Life quotes for Greensboro residents — no obligation.

View Greensboro Coverage

Gretna Life Protection

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

View Gretna Coverage

Havana Financial Security

Universal Life protection tailored to Havana families and businesses.

View Havana Coverage

Midway Life Protection

Universal Life protection tailored to Midway families and businesses.

View Midway Coverage

Quincy Wealth Strategy

Universal Life protection tailored to Quincy families and businesses.

View Quincy Coverage
Read the Full Universal Life Consumer Guide →

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

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