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Home›Florida›Lee County›Lehigh Acres›Universal Life Insurance

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

Universal Life Insurance in Lehigh Acres, FL

Market-linked growth with guaranteed downside protection.

Universal life insurance for Lehigh Acres, 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 · Lehigh Acres, FL

Lehigh Acres, FL — Your Local Producer

Hello, Lehigh Acres! As a fellow Floridian, I appreciate the unique character of our sprawling Lee County communities. My name is June Marcia Williams, and I am a licensed insurance producer serving residents across the state (NPN: 17209549, Florida License No: W840529). My focus is on helping individuals and families navigate their personal insurance options, from Term and Whole Life to Final Expense, Critical Illness, and Accident & Injury plans. I'm here to provide clear, straightforward guidance so you can feel confident in the choices you make to protect what matters most.

  • Lehigh Acres Municipal Services Improvement District
  • Veterans Park
  • Lehigh Senior High School
NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Lehigh Acres

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

AR
Adele J Rodriguez
Life Including Variable Annuity & Health
NPN 19281037 Licensed 2019
AS
Adisley Velazquez Suarez
Life Including Variable Annuity & Health
NPN 21565370 Licensed 2025
AV
Adrian Gonzalez Vidal
Life Including Variable Annuity & Health
NPN 20058012 Licensed 2021
AM
Adrian Morales
Life Including Variable Annuity & Health
NPN 19369197 Licensed 2019
AM
Adriana Vilches Martinez
Life Including Variable Annuity & Health
NPN 19033854 Licensed 2019
AV
Ahmeed Jesus Cruz Viera
Life Including Variable Annuity & Health
NPN 21393477 Licensed 2024
AA
Ailin Averhoff
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 10753397 Licensed 2022
AR
Airika Ruiz
Life Including Variable Annuity & Health
NPN 17184784 Licensed 2014
AT
Al Theard
Life Including Variable Annuity & Health
NPN 18655102 Licensed 2017
AC
Aland William Luc Calixte
Life Including Variable Annuity & Health
NPN 8646052 Licensed 2006
AP
Alberto Amaro Pardo
Life Including Variable Annuity & Health
NPN 21019178 Licensed 2023
AD
Alberto Deleon
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 489439 Licensed 1991
AR
Alberto Reyes Ruiz
Life Including Variable Annuity & Health
NPN 22193716 Licensed 2026
AJ
Alec Christopher Jackson-Patterson
Life Including Variable Annuity & Health
NPN 21306292 Licensed 2024
AM
Aleisha Marie Mcneice
Life Including Variable Annuity & Health
NPN 22128696 Licensed 2026
AG
Alejandro Amigo Gomez
Life Including Variable Annuity & Health
NPN 21782236 Licensed 2025
AA
Alejandro Arbois
Life Including Variable Annuity & Health
NPN 21682495 Licensed 2025
AF
Alex Farr
Life Including Variable Annuity & Health
NPN 20058462 Licensed 2021
AG
Alexander Jorge Gerardy
Life Including Variable Annuity & Health
NPN 21711292 Licensed 2025
AV
Alexis Valdivia
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 18474284 Licensed 2017
AP
Alexsara Cardoso Coelho Prado
Life Including Variable Annuity & Health
NPN 20819103 Licensed 2023
AM
Alianni Cecilia Gonzalez Montiel
Life Including Variable Annuity & Health
NPN 21765115 Licensed 2025
AD
Alisa Davis
Life Including Variable Annuity & Health
NPN 20851301 Licensed 2023
AL
Althea Pitter Lambert
Life Including Variable Annuity & Health
NPN 21714847 Licensed 2025
View all 773 licensed universal life producers in Lehigh Acres →

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 Lehigh Acres regional market. Rates are localized using regional health baselines.

Official Lehigh Acres Resources

County Lee County
Population ~124,440
Lack of insurance (18–64) 20.6%
FIPS code 1239925

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 Lehigh Acres rates. Start your quote request below.

FL OIR .GOV Lee County Gov Portal .GOV
Google Maps
3.7 3 reviews
Lehigh Acres Municipal Services Improvement District photo 1Lehigh Acres Municipal Services Improvement District photo 2Lehigh Acres Municipal Services Improvement District photo 3
Photos by Kate Me , Kate Me , Lehigh Acres Municipal Services Improvement District via Google Maps
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Lehigh Acres Municipal Services Improvement District
Open now · Mon 7:00 AM – 5:30 PM
(239) 368-0044
la-msid.com
601 East County Lane, Lehigh Acres, FL 33936, USA
Recent Reviews
Javier Marin ★★★★★
"Had the pleasure of meeting Mr. Chris Houser while he performed his duties. He was a wealth of knowledge on the water ways and wildlife in our community, and took the time to educate me. Thank you sir…"
CMG office ★★★★★
"A couple days ago I ran into Nathan while he was next to my property in buckingham working. Super nice guy and actually told me about everything they do and how important it is. I watched while he did…"
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.
✅

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
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 Lehigh Acres

More Insurance Options in Lehigh Acres, 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

Also Serving Lee County

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View Buckingham Coverage

Cape Coral Financial Security

Dedicated Universal Life coverage page for Cape Coral with local agent support.

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The Cypress Lake Legacy Plan

Universal Life protection tailored to Cypress Lake families and businesses.

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Fort Myers Beach Wealth Strategy

Personalized Universal Life quotes for Fort Myers Beach residents — no obligation.

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Fort Myers Shores Coverage Guide

Dedicated Universal Life coverage page for Fort Myers Shores with local agent support.

View Fort Myers Shores Coverage

Matlacha Financial Security

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

View Matlacha Coverage

Matlacha Isles-Matlacha Shores Wealth Strategy

Universal Life protection tailored to Matlacha Isles-Matlacha Shores families and businesses.

View Matlacha Isles-Matlacha Shores Coverage

The Punta Rassa Legacy Plan

Universal Life protection tailored to Punta Rassa families and businesses.

View Punta Rassa Coverage

Saint James City Financial Security

Compare Universal Life rates from licensed carriers serving Saint James City.

View Saint James City Coverage

St. James City Financial Security

Compare Universal Life rates from licensed carriers serving St. James City.

View St. James City Coverage

Charlotte Harbor Coverage Guide

Universal Life protection tailored to Charlotte Harbor families and businesses.

View Charlotte Harbor Coverage

Charlotte Park Coverage Guide

Universal Life protection tailored to Charlotte Park families and businesses.

View Charlotte Park Coverage

Cleveland Wealth Strategy

Personalized Universal Life quotes for Cleveland residents — no obligation.

View Cleveland Coverage

Grove City Wealth Strategy

Universal Life protection tailored to Grove City families and businesses.

View Grove City Coverage

Harbour Heights Coverage Guide

Personalized Universal Life quotes for Harbour Heights residents — no obligation.

View Harbour Heights Coverage

Manasota Key Financial Security

Personalized Universal Life quotes for Manasota Key residents — no obligation.

View Manasota Key Coverage

Placida Wealth Strategy

Compare Universal Life rates from licensed carriers serving Placida.

View Placida Coverage

Port Charlotte Financial Security

Compare Universal Life rates from licensed carriers serving Port Charlotte.

View Port Charlotte Coverage

Punta Gorda Life Protection

Compare Universal Life rates from licensed carriers serving Punta Gorda.

View Punta Gorda Coverage

Rotonda Life Protection

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

View Rotonda Coverage

The Arcadia Legacy Plan

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

View Arcadia Coverage

Pine Level Life Protection

Universal Life protection tailored to Pine Level families and businesses.

View Pine Level Coverage

Southeast Arcadia Wealth Strategy

Personalized Universal Life quotes for Southeast Arcadia residents — no obligation.

View Southeast Arcadia Coverage
Read the Full Universal Life Consumer Guide →

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

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