June Marcia Williams

Your Insurance Agent in North Fort Myers, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing North Fort Myers, FL...

National Producer No.

17209549

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Business Life Insurance in North Fort Myers, FL

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

Business life insurance for North 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 · North Fort Myers, FL

North Fort Myers, FL — Your Local Producer

For my neighbors in North Fort Myers, planning for the future is just as important as enjoying our unique Lee County lifestyle today. As a licensed insurance producer, I'm dedicated to helping local families understand their options for protecting what matters most. My name is June Marcia Williams, and I offer guidance on a range of personal policies, including Term Life, Whole Life, Final Expense, and Critical Illness coverage. My approach is simple: to provide clear, personalized information so you can feel confident in your decisions. Let's work together to secure your family's financial well-being. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

The Shell Factory & Nature Park
North Fort Myers Park
Hancock Bridge Parkway

NPN17209549FL LicenseW840529

Licensed Business Life Producers in North Fort Myers

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

Afeisha M Brathwaite

Life Including Variable Annuity & Health

NPN 18264872 Licensed 2017

Aldo Miralles Betancourt

Life Including Variable Annuity & Health

NPN 21113588 Licensed 2024

Alejandro Perez-Gonzalez

Life Including Variable Annuity & Health

NPN 21019082 Licensed 2023

Alison Schaible

Life Including Variable Annuity & Health

NPN 19577651 Licensed 2020

Amanda Mccalden

Life Including Variable Annuity & Health

NPN 18458994 Licensed 2017

Amber Nicole Lucas

Life Including Variable Annuity & Health

NPN 21701041 Licensed 2025

Amirys Dominga Bozan

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

NPN 9072466 Licensed 2015

Amy Kristine Charles

Life Including Variable Annuity & Health

NPN 19703420 Licensed 2020

Amy Nicole Perry

Life Including Variable Annuity & Health

NPN 19846868 Licensed 2021

Ana Maria Florez

Life Including Variable Annuity & Health

NPN 21748034 Licensed 2025

Anacelis Estrella-Paulino

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

NPN 5417847 Licensed 2012

Andrea Nathaly Sanchez Roa

Life Including Variable Annuity & Health

NPN 21758065 Licensed 2025

Andrew D Adams

Life Including Variable Annuity & Health

NPN 21704656 Licensed 2025

Andrew Darryl Johns

Life Including Variable Annuity & Health

NPN 19285625 Licensed 2019

Andrew Pflieger

Life Including Variable Annuity & Health

NPN 21434718 Licensed 2025

Anna G Molin

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

NPN 7321875 Licensed 2023

Anne Michelle Poirier

Life Including Variable Annuity & Health

NPN 19985805 Licensed 2021

Arunabh Lalit Jaywant

Life Including Variable Annuity & Health

NPN 9673589 Licensed 2015

Ashley Nicole Clark

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

NPN 18682557 Licensed 2018

Axel Aramis Gutierrez

Life Including Variable Annuity & Health

NPN 22191855 Licensed 2026

Barbara Stuttgen

Life Including Variable Annuity & Health

NPN 8699530 Licensed 2023

Bharat B Kikani

Life Including Variable Annuity & Health

NPN 2439898 Licensed 2024

Brandi Caldwell

Life Including Variable Annuity & Health

NPN 20890445 Licensed 2023

Brenda Goettemoeller

Life Including Variable Annuity & Health

NPN 21081418 Licensed 2024

View all 246 licensed business life producers in North 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 North Fort Myers regional market. Rates are localized using regional health baselines.

Official North Fort Myers Resources

County Lee County

Population ~42,492

Lack of insurance (18–64) 14.0%

FIPS code 1249350

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 North 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 North Fort Myers

More Insurance Options in North 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 North Fort Myers, FL

North Fort Myers, FL — Your Local Producer

Licensed Business Life Producers in North Fort Myers

🏢 Business Life Insurance Underwriting Scope

🏛️ Official North 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 North 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 North Fort Myers Resources