June Marcia Williams

Your Insurance Agent in Coral Gables, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Coral Gables, FL...

National Producer No.

17209549

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Universal Life Insurance in Coral Gables, FL

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

Universal life insurance for Coral Gables, 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 · Coral Gables, FL

Coral Gables, FL — Your Local Producer

Hello, Coral Gables! Living in 'The City Beautiful' means appreciating thoughtful design and a secure environment, from the grand boulevards to our historic homes. I believe that same care should apply to protecting our families' futures. As your neighbor here in Miami-Dade County, I'm June Marcia Williams, a licensed insurance producer dedicated to helping you understand your options. I can assist with personal plans like Term Life, Final Expense, and Critical Illness coverage, providing clear information so you can make confident choices. Let's work together to secure your peace of mind. (NPN: 17209549, FL License No: W840529)

Biltmore Hotel
Venetian Pool
Miracle Mile

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Coral Gables

1158 on public record · Florida DFS · Fla. Stat. §119.01

Abbriele Grace Leahy

Life Including Variable Annuity & Health

NPN 21155126 Licensed 2024

Abdallah Michael Khoury

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

NPN 3926549 Licensed 2001

Abismael Vargas

Life Including Variable Annuity & Health

NPN 21110553 Licensed 2024

Abraham A Aviles

Life Including Variable Annuity & Health

NPN 18487842 Licensed 2023

Aciel Diaz Medina

Life Including Variable Annuity & Health

NPN 19944275 Licensed 2021

Adalberto Ricardo Maulini

Life Including Variable Annuity & Health

NPN 537995 Licensed 1990

Adan Yasmani Tejeda Martinez

Life Including Variable Annuity & Health

NPN 20070756 Licensed 2021

Adham Kaibni

Life Including Variable Annuity & Health

NPN 7879169 Licensed 2023

Adrian Giovanny Arcentales

Life Including Variable Annuity & Health

NPN 21144249 Licensed 2024

Adrian Lorenzo

Life Including Variable Annuity & Health

NPN 1426000 Licensed 1999

Adrian Sanchez

Life Including Variable Annuity & Health

NPN 20549290 Licensed 2022

Adriana E Lafont

Life Including Variable Annuity & Health

NPN 17927319 Licensed 2016

Adys Leilym Sanchez Hernandez

Life Including Variable Annuity & Health

NPN 21218433 Licensed 2024

Ailer Gonzalez

Life Including Variable Annuity & Health

NPN 20403798 Licensed 2022

Ailyn Saedt

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

NPN 3953998 Licensed 2010

Aimee Garcia

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

NPN 3534999 Licensed 2011

Alain Georges Albergel

Life Including Variable Annuity & Health

NPN 16322888 Licensed 2011

Alan Javier Rodriguez

Life Including Variable Annuity & Health

NPN 18225632 Licensed 2016

Alana Faintuch Hoch

Life Including Variable Annuity & Health

NPN 19007095 Licensed 2018

Alax Gittler

Life Including Variable Annuity & Health

NPN 16728316 Licensed 2012

Albert J Vendi

Life Including Variable Annuity & Health

NPN 20733597 Licensed 2023

Alberto Fernando Cosio

Life Including Variable Annuity & Health

NPN 20620503 Licensed 2023

Alberto Francisco Blanco

Life Including Variable Annuity & Health

NPN 647189 Licensed 1985

Alberto H Chavez

Life Including Variable Annuity & Health

NPN 10186978 Licensed 2008

View all 1158 licensed universal life producers in Coral Gables →

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 Coral Gables regional market. Rates are localized using regional health baselines.

Official Coral Gables Resources

County Miami Dade County

Population ~49,696

Lack of insurance (18–64) 14.4%

FIPS code 1214250

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 Coral Gables rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

4.2 46 reviews

Photos by Robert A. Burr , Marlon Barahona , Alinka Avendaño , Commercial Producer, production fixer, Mari Tato (RunDaShow) via Google Maps

View on Google Maps

Coral Gables City Hall

Open now · Mon 8:00 AM – 5:00 PM

(305) 446-6800

coralgables-fl.gov .GOV

405 Biltmore Way, Coral Gables, FL 33134, USA

Recent Reviews

Claudia Moreno ★★★★★

"Very nice building to take pictures in front of for your elopement"

Miami Photographer PhotoVideoCreate ★★★★★

"Beautiful traditional Cityhall, they should use this building as marriage license instead of the other new building. Easy find parking"

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 Coral Gables

More Insurance Options in Coral Gables, 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 Coral Gables, FL

Coral Gables, FL — Your Local Producer

Licensed Universal Life Producers in Coral Gables

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Coral Gables 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 Coral Gables, 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 Coral Gables Resources