June Marcia Williams

Your Insurance Agent in Hobe Sound, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Hobe Sound, FL...

National Producer No.

17209549

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Business Life Insurance in Hobe Sound, FL

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

Business life insurance for Hobe Sound, 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 · Hobe Sound, FL

Hobe Sound, FL — Your Local Producer

For my neighbors in Hobe Sound, living here in Martin County means embracing a unique blend of coastal beauty and serene, natural living. It's a special way of life worth protecting. As a licensed insurance producer right here in Florida, I'm dedicated to helping local families secure their financial futures. Whether you're near Jonathan Dickinson State Park or enjoying the quiet charm of our community, I can help you navigate options like Term Life, Final Expense, and other personal insurance plans. My goal is to provide clear, personalized guidance for your loved ones. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Jonathan Dickinson State Park
Hobe Sound Beach
Hobe Sound Public Library

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Hobe Sound

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

Alexander Matthew Philippi

Life Including Variable Annuity & Health

NPN 16356511 Licensed 2019

Andrew Christian Dudek

Life Including Variable Annuity & Health

NPN 16706123 Licensed 2012

Angela Husnander

Life Including Variable Annuity & Health

NPN 7819296 Licensed 2025

Angela Ombres

Life Including Variable Annuity & Health

NPN 17086605 Licensed 2013

Anthony Michael Cisek

Life Including Variable Annuity & Health

NPN 8195125 Licensed 2004

April Ann Pettis

Life Including Variable Annuity & Health

NPN 20141112 Licensed 2021

Bradley Joel Jeske

Life Including Variable Annuity & Health

NPN 58374 Licensed 1987

Brenden Murphy

Life Including Variable Annuity & Health

NPN 19622610 Licensed 2023

Brian Hitchens

Life Including Variable Annuity & Health

NPN 19888675 Licensed 2021

Brittany Nicole Zuniga

Life Including Variable Annuity & Health

NPN 18239359 Licensed 2016

Bryen Milgroom

Life Including Variable Annuity & Health

NPN 21595446 Licensed 2025

Celeste Corbin

Life Including Variable Annuity & Health

NPN 19658381 Licensed 2020

Charles Lyster

Life Including Variable Annuity & Health

NPN 2541611 Licensed 2017

Charles Peter Schicker

Life Including Variable Annuity & Health

NPN 54323 Licensed 2015

Charles Richard Tucker

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

NPN 646149 Licensed 2013

Charles Wallace Robinson

Life Including Variable Annuity & Health

NPN 453192 Licensed 1991

Cheryl Anastasi

Life Including Variable Annuity & Health

NPN 19540125 Licensed 2021

Christine Marie Ford

Life Including Variable Annuity & Health

NPN 20189808 Licensed 2021

Christine Marie Pereira

Life Including Variable Annuity & Health

NPN 18972999 Licensed 2018

Christopher Turner

Life Including Variable Annuity & Health

NPN 18945730 Licensed 2018

Connie Ann Dedman

Life Including Variable Annuity & Health

NPN 19409526 Licensed 2020

Cooper Brown

Life Including Variable Annuity & Health

NPN 21611958 Licensed 2025

Craig Justice

Life Including Variable Annuity & Health

NPN 21374711 Licensed 2024

Curtis Arnold Weaver

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

NPN 499050 Licensed 1986

View all 120 licensed business life producers in Hobe Sound →

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 Hobe Sound regional market. Rates are localized using regional health baselines.

Official Hobe Sound Resources

County Martin County

Population ~14,188

Lack of insurance (18–64) 10.9%

FIPS code 1230975

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 Hobe Sound rates. Start your quote request below.

FL OIR .GOV Martin County Gov Portal .GOV

5.0 1 review

Town of Jupiter Island - Town Hall photo 1

Photos by Dama Estrada via Google Maps

View on Google Maps

Town of Jupiter Island - Town Hall

Open now · Mon 8:30 AM – 4:30 PM

(772) 545-0100

townofjupiterisland.com

2 SE Bridge Rd, Hobe Sound, FL 33455, USA

Recent Reviews

Andy Picon ★★★★★

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.

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Phone Number

Business Name

Email Address

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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 Hobe Sound

More Insurance Options in Hobe Sound, 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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Business Life Insurance in Hobe Sound, FL

Hobe Sound, FL — Your Local Producer

Licensed Business Life Producers in Hobe Sound

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Hobe Sound 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 Hobe Sound, 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 Hobe Sound Resources