June Marcia Williams

Your Insurance Agent in Fruitland Park, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fruitland Park, FL...

National Producer No.

17209549

Verify ↗

Universal Life Insurance in Fruitland Park, FL

Market-linked growth with guaranteed downside protection.

Universal life insurance for Fruitland Park, 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 · Fruitland Park, FL

Fruitland Park, FL — Your Local Producer

As a licensed insurance producer serving my fellow Floridians, I appreciate the unique community spirit found right here in Fruitland Park. My name is June Marcia Williams (NPN: 17209549), and I am dedicated to helping my Lake County neighbors understand their options for life and health insurance. Whether you are planning for the long term with whole life, preparing for the unexpected with critical illness or accident coverage, or simply securing your family’s future, I am here to offer clear, personalized guidance. Let’s work together to find a path forward. (Florida License No: W840529)

Fruitland Park City Hall
Gardenia Park
Fruitland Park Library

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Fruitland Park

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

Albert H Spearman

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

NPN 18734745 Licensed 2018

Ann Lyon

Life Including Variable Annuity & Health

NPN 7131723 Licensed 2002

Anthony Dobson

Life Including Variable Annuity & Health

NPN 20887136 Licensed 2023

Ashlii Lauren Swenson

Life Including Variable Annuity & Health

NPN 19655388 Licensed 2020

Benjamin David Meadows

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

NPN 20288410 Licensed 2022

Brandi Shaye Jones

Life Including Variable Annuity & Health

NPN 20816783 Licensed 2023

Brian Chase Chowning

Life Including Variable Annuity & Health

NPN 18191485 Licensed 2016

Brian Resoner Chowning

Life Including Variable Annuity & Health

NPN 605328 Licensed 1995

Brianna Smart

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

NPN 22256623 Licensed 2026

Carolyn Maldonado Dominguez

Life Including Variable Annuity & Health

NPN 21651290 Licensed 2025

Celest Alvania Hayes

Life Including Variable Annuity & Health

NPN 17867257 Licensed 2016

Daniel Anthony Delgado

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

NPN 10697167 Licensed 2008

Daniel Christopher Zebrowski

Life Including Variable Annuity & Health

NPN 593212 Licensed 1994

Darlisa Maria Wild

Life Including Variable Annuity & Health

NPN 21110585 Licensed 2024

Darnell Ezekiel Aiken

Life Including Variable Annuity & Health

NPN 16147120 Licensed 2021

David Puente

Life Including Variable Annuity & Health

NPN 17363506 Licensed 2014

Debra M. Blount

Life Including Variable Annuity & Health

NPN 21355238 Licensed 2024

Dell Elizabeth Richards

Life Including Variable Annuity & Health

NPN 19591027 Licensed 2020

Dominion Azise

Life Including Variable Annuity & Health

NPN 20877625 Licensed 2023

Emma M Younce

Life Including Variable Annuity & Health

NPN Licensed 2026

Frankie Ricardo Brin

Life Including Variable Annuity & Health

NPN 586733 Licensed 1994

Garrett Yancey Vathroder

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

NPN 19944614 Licensed 2023

Haley Oquist

Life Including Variable Annuity & Health

NPN 22053806 Licensed 2025

Halley Nichole Purvis

Life Including Variable Annuity & Health

NPN 20546177 Licensed 2022

View all 54 licensed universal life producers in Fruitland Park →

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 Fruitland Park regional market. Rates are localized using regional health baselines.

Official Fruitland Park Resources

County Lake County

Population ~8,219

Lack of insurance (18–64) 12.0%

FIPS code 1224975

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 Fruitland Park rates. Start your quote request below.

FL OIR .GOV Lake County Gov Portal .GOV

3.6 14 reviews

Photos by M Mirzaee , Johnny Mcauliffe , JAH via Google Maps

View on Google Maps

Fruitland Park City Hall

Open now · Mon 9:00 AM – 4:30 PM

(352) 360-6727

fruitlandpark.org

506 W Berckman St, Fruitland Park, FL 34731, USA

Recent Reviews

JAH ★★★★★

"We recently purchased a commercial property in Fruitland Park and the city has been great and very easy to work with. One of Florida's last great spots"

Choco Kat ★★★★★

"Nice little town. Great WFH community that's affordable and away from the big city traffic. The only downside is Uber eats and Doordash takes 1-2 hours just to make deliveries in the area."

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

How much coverage do you need?

$50K

$100K

$150K

$250K

$400K

$500K+

How long do you need coverage?

10 yr

15 yr

20 yr

25 yr

30 yr

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Never

Quit 5+ yrs

Quit 1-5 yrs

Current

Have you ever been treated for high blood pressure?

Yes

Have you ever been treated for high cholesterol?

Yes

Have you been diagnosed with or treated for diabetes?

Yes

Has a parent died before age 65 from heart disease or cancer?

Yes

Any DUI/DWI in the past 5 years?

Yes

First Name

Last Name

Phone

Zip Code

⚡ Call me ASAP — I want to speak with an agent as soon as possible

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.

✅

Quote Request Received!

June will contact you within minutes with personalized quotes 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

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

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 Fruitland Park

More Insurance Options in Fruitland Park, 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

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

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

Read the Full Universal Life Consumer Guide →

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

Talk to a real person. Today.

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

Universal Life Insurance in Fruitland Park, FL

Fruitland Park, FL — Your Local Producer

Licensed Universal Life Producers in Fruitland Park

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Fruitland Park Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Pre-Qualify in 60 Seconds

Quote Request Received!

IUL Options

Simplified Issue IUL

Cash Accumulation IUL

Protection-Focused IUL

Everything You Need to Know About Universal Life Insurance

How Does IUL Work?

What Are Cap Rates and Floors?

Can IUL Pay for Long-Term Care?

IUL for Retirement Planning

IUL vs. Whole Life vs. Term

Florida Life Insurance Consumer Rights

More Insurance Options in Fruitland Park, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Indexed Universal Life (IUL) FAQ

How does indexed universal life (IUL) work?

What are cap rates and floors?

Can IUL pay for long-term care?

Is IUL good for retirement?

What's the difference between IUL and whole life?

Also Serving Lake County

Clermont Wealth Strategy

Dona Vista Coverage Guide

The Eustis Legacy Plan

Groveland Wealth Strategy

Leesburg Coverage Guide

Minneola Life Protection

Montverde Life Protection

Mount Dora Wealth Strategy

Umatilla Wealth Strategy

The Yalaha Legacy Plan

The Altamonte Spring Legacy Plan

Altamonte Springs Financial Security

The Casselberry Legacy Plan

Fern Park Wealth Strategy

The Heathrow Legacy Plan

The Lake Mary Legacy Plan

Longwood Financial Security

Oviedo Life Protection

Sanford Life Protection

Winter Springs Wealth Strategy

The Anthony Legacy Plan

The Belleview Legacy Plan

Citra Wealth Strategy

Dunnellon Wealth Strategy

Liberty Triangle Life Protection

McIntosh Life Protection

The Ocala Legacy Plan

Ocklawaha Life Protection

Salt Springs Coverage Guide

The Silver Springs Shores East Legacy Plan

Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Fruitland Park Resources