June Marcia Williams

Your Insurance Agent in Palm City, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Palm City, FL...

National Producer No.

17209549

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Universal Life Insurance in Palm City, FL

June Williams — NPN 17209549. Cash accumulation and retirement planning.

Universal life insurance for Palm City, 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 · Palm City, FL

Palm City, FL — Your Local Producer

Hello, Palm City! I love the unique blend of tranquil waterfront living and close-knit community spirit we have here in Martin County. It's a special place to build a life, and protecting that life is my passion. As your neighbor and a licensed insurance producer, I'm here to help you navigate your options for personal insurance. Whether you're considering Term Life, Final Expense, Critical Illness, or other policies to secure your family's future, I provide clear, personalized guidance. My goal is to help you find a plan that fits your needs. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Leighton Park
Hidden Oaks Middle School
SW Martin Highway & SW Mapp Road

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Palm City

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

Abbigale Georgia Gordon

Life Including Variable Annuity & Health

NPN 22221238 Licensed 2026

Adam Kripitz

Life Including Variable Annuity & Health

NPN 17019805 Licensed 2021

Adam Lee Ehler Buchanan

Life Including Variable Annuity & Health

NPN 20876598 Licensed 2023

Alexa Marie Clopton

Life Including Variable Annuity & Health

NPN 22192864 Licensed 2026

Alexander Hasell

Life Including Variable Annuity & Health

NPN 21077728 Licensed 2024

Alexander James Zmirich

Life Including Variable Annuity & Health

NPN 21231881 Licensed 2024

Alicia Nicole Mercer

Life Including Variable Annuity & Health

NPN 19605932 Licensed 2024

Alison Rittenburg

Life Including Variable Annuity & Health

NPN 19752170 Licensed 2022

Alourdes Petit-Noel

Life Including Variable Annuity & Health

NPN 20442694 Licensed 2022

Angela Beth Mauldin

Life Including Variable Annuity & Health

NPN 18110343 Licensed 2016

Angela Maria Stasio

Life Including Variable Annuity & Health

NPN 19899412 Licensed 2021

Ann Geismar

Life Including Variable Annuity & Health

NPN 9572187 Licensed 2007

Arienne Desman

Life Including Variable Annuity & Health

NPN 19908463 Licensed 2021

Austin Michael Connelly

Life Including Variable Annuity & Health

NPN 21656720 Licensed 2025

Barbara Ann Nocito

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

NPN 7219396 Licensed 2017

Barbara Anne Herbach

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

NPN 473711 Licensed 2000

Barbara Annette Hughes

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

NPN 472344 Licensed 1990

Barbara Nancy Corbo

Life Including Variable Annuity & Health

NPN 2086975 Licensed 1998

Bilal Farsakh

Life Including Variable Annuity & Health

NPN 16496571 Licensed 2022

Blake Hunter Wagner

Life Including Variable Annuity & Health

NPN 16815606 Licensed 2018

Brandi Lynn Stanford

Life Including Variable Annuity & Health

NPN 17099038 Licensed 2013

Brandon Daniel Greig

Life Including Variable Annuity & Health

NPN 19609590 Licensed 2020

Brenda Jeanette Stewart

Life Including Variable Annuity & Health

NPN 2890125 Licensed 2021

Brenna Lauren

Life Including Variable Annuity & Health

NPN 20668624 Licensed 2023

View all 226 licensed universal life producers in Palm City →

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 Palm City regional market. Rates are localized using regional health baselines.

Official Palm City Resources

County Martin County

Population Data Pending

Lack of insurance (18–64) 8.2%

FIPS code 1254175

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 Palm City rates. Start your quote request below.

FL OIR .GOV Martin County Gov Portal .GOV

Photos by Palm Coast City Hall , Dom DiGeronimo , Alexandra Feliz via Google Maps

View on Google Maps

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 Palm City

More Insurance Options in Palm City, 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 Palm City, FL

Palm City, FL — Your Local Producer

Licensed Universal Life Producers in Palm City

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Palm City 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 Palm City, 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?

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Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Palm City Resources