June Marcia Williams

Your Insurance Agent in Fort Myers, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fort Myers, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Fort Myers, FL

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

Business life insurance for Fort Myers, 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 · Fort Myers, FL

Fort Myers, FL — Your Local Producer

Hello Fort Myers! As a resident of sunny Southwest Florida, I understand the unique lifestyle we enjoy here in Lee County. From the beautiful Caloosahatchee River to our vibrant downtown, it's a special place to call home. As your local licensed insurance producer, I'm here to help you protect what matters most. I offer a range of personal insurance options, including life insurance and final expense plans, tailored to your individual needs. Let's chat about securing your family's future so you can continue enjoying everything our community offers. (June Marcia Williams, NPN: 17209549, Florida License No: W840529).

Edison and Ford Winter Estates
Centennial Park
Fort Myers City Hall

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Fort Myers

2776 on public record · Florida DFS · Fla. Stat. §119.01

Aaliyah Allen

Life Including Variable Annuity & Health

NPN 19476465 Licensed 2020

Aaliyah Shikariann Jiles

Life Including Variable Annuity & Health

NPN 17791393 Licensed 2015

Aaron Ansell

Life Including Variable Annuity & Health

NPN 20887107 Licensed 2023

Aaron Lee Lucas

Life Including Variable Annuity & Health

NPN 18901850 Licensed 2018

Adam Beecher Douglas

Life Including Variable Annuity & Health

NPN 16790508 Licensed 2012

Adam Bruno

Life Including Variable Annuity & Health

NPN 16141487 Licensed 2011

Adam D Darlin

Life Including Variable Annuity & Health

NPN 18913815 Licensed 2018

Adam David Piatt

Life Including Variable Annuity & Health

NPN 8245323 Licensed 2004

Adam Joseph Zimmerman

Life Including Variable Annuity & Health

NPN 20143764 Licensed 2021

Adam P Redenshek

Life Including Variable Annuity & Health

NPN 7288076 Licensed 2005

Adam Wasmund

Life Including Variable Annuity & Health

NPN 7931359 Licensed 2009

Adel Ortiz

Life Including Variable Annuity & Health

NPN 21082865 Licensed 2024

Adelina S Durcau

Life Including Variable Annuity & Health

NPN 21400980 Licensed 2024

Adiennis Hernandez Marzo

Life Including Variable Annuity & Health

NPN 21357734 Licensed 2024

Adolfo Guedez Banezca

Life Including Variable Annuity & Health

NPN 20724844 Licensed 2023

Adonis Oen Martin-Smaller

Life Including Variable Annuity & Health

NPN 21141496 Licensed 2024

Adrian Joseph Povia

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

NPN 15790876 Licensed 2010

Adriana Victoria Pacheco

Life Including Variable Annuity & Health

NPN 20396705 Licensed 2022

Adriane Hartman

Life Including Variable Annuity & Health

NPN 20414331 Licensed 2022

Adriane Lucchese

Life Including Variable Annuity & Health

NPN 20800498 Licensed 2023

Adrianna M Hewston

Life Including Variable Annuity & Health

NPN 18366234 Licensed 2024

Adrianne Job

Life Including Variable Annuity & Health

NPN 19906486 Licensed 2021

Adrienne Ortega

Life Including Variable Annuity & Health

NPN 21685712 Licensed 2025

Aidan E Kyllonen

Life Including Variable Annuity & Health

NPN 21637046 Licensed 2025

View all 2776 licensed business life producers in Fort Myers →

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 Fort Myers regional market. Rates are localized using regional health baselines.

Official Fort Myers Resources

County Lee County

Population ~88,699

Lack of insurance (18–64) 23.5%

FIPS code 1224125

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 Fort Myers rates. Start your quote request below.

FL OIR .GOV Lee County Gov Portal .GOV

3.9 16 reviews

Photos by Larisa del castillo , Ciri Celebrates Miami , Jessica Ramos , Gissella Vra via Google Maps

View on Google Maps

City of Fort Myers City Hall

Open now · Mon 8:00 AM – 5:00 PM

(239) 321-7000

fortmyers.gov .GOV

2200 Second St, Fort Myers, FL 33901, USA

Recent Reviews

Eric Nightlinger ★★★★★

"Full recovery in effect and it's looking better everyday. Army of workers getting it done ASAP. The weather is beautiful again, late Oct 2024 and no storms on the horizon! Help support the tourism and…"

Robert Waldrop ★☆☆☆☆

"The city of Fort Myers has an administration that is criminally arrogant while incredibly inept. Between taking away free downtown parking, basically attacking shops and business owners, and ignoring …"

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 Fort Myers

More Insurance Options in Fort Myers, 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

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Business Life Insurance in Fort Myers, FL

Fort Myers, FL — Your Local Producer

Licensed Business Life Producers in Fort Myers

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Fort Myers 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 Fort Myers, 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 Fort Myers Resources