June Marcia Williams

Your Insurance Agent in Cutler Bay, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Cutler Bay, FL...

National Producer No.

17209549

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Business Life Insurance in Cutler Bay, FL

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

Business life insurance for Cutler Bay, 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 · Cutler Bay, FL

Cutler Bay, FL — Your Local Producer

Living here in Cutler Bay, we appreciate the unique blend of coastal charm and community spirit that defines our corner of Miami-Dade County. As your neighbor, I understand that protecting your family's future is a top priority. That's why I'm dedicated to helping you navigate your personal insurance options, from Term and Whole Life to policies covering final expenses or critical illness. My goal is to provide clear, straightforward guidance so you can find a plan that fits your life. As a licensed insurance producer, I'm here to help you secure peace of mind. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Cutler Bay Town Hall
Black Point Park & Marina
Southland Mall

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Cutler Bay

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

Adianys Galvez Leon

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

NPN 17708269 Licensed 2017

Adiel Oslay Baez Fernandez

Life Including Variable Annuity & Health

NPN 21670108 Licensed 2025

Adonte' Emir Lipscomb

Life Including Variable Annuity & Health

NPN 19091741 Licensed 2019

Adria Carbonell

Life Including Variable Annuity & Health

NPN 18595545 Licensed 2017

Adria Julia Fernandez

Life Including Variable Annuity & Health

NPN 21263342 Licensed 2024

Adrian Tomas De La Vina Espinosa

Life Including Variable Annuity & Health

NPN 21524491 Licensed 2025

Adriana Elena Reina Cala

Life Including Variable Annuity & Health

NPN 18869421 Licensed 2018

Adriana Maria Gonzalez

Life Including Variable Annuity & Health

NPN 20596725 Licensed 2023

Adriana Paipa

Life Including Variable Annuity & Health

NPN 7265451 Licensed 2002

Adriana Victoria Falcon

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

NPN 19392965 Licensed 2020

Agustin Oraldo Mesa Luis

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

NPN 17413598 Licensed 2014

Albert Lesme

Life Including Variable Annuity & Health

NPN 21552450 Licensed 2025

Alejandro M Alonso

Life Including Variable Annuity & Health

NPN 20534772 Licensed 2022

Alexander Perez Valdes

Life Including Variable Annuity & Health

NPN 21036178 Licensed 2024

Alexander Ruiz

Life Including Variable Annuity & Health

NPN 17751602 Licensed 2015

Alexis Guerrero

Life Including Variable Annuity & Health

NPN 20441850 Licensed 2022

Alexis Lesme

Life Including Variable Annuity & Health

NPN 22145207 Licensed 2026

Alfredo Acosta

Life Including Variable Annuity & Health

NPN 20166872 Licensed 2021

Aliana Aurora Gurris

Life Including Variable Annuity & Health

NPN 22042618 Licensed 2025

Alina Dejesus Garcia-Barbon

Life Including Variable Annuity & Health

NPN 444854 Licensed 1995

Alina Quinones Felpeto

Life Including Variable Annuity & Health

NPN 18110346 Licensed 2016

Alva Randall Royston

Life Including Variable Annuity & Health

NPN 419020 Licensed 2007

Alyanna Lena Fernandez

Life Including Variable Annuity & Health

NPN 20549224 Licensed 2022

Amanda Vega Romero

Life Including Variable Annuity & Health

NPN 19810730 Licensed 2021

View all 450 licensed business life producers in Cutler Bay →

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 Cutler Bay regional market. Rates are localized using regional health baselines.

Official Cutler Bay Resources

County Miami Dade County

Population ~44,738

Lack of insurance (18–64) 25.1%

FIPS code 1215968

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 Cutler Bay rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

4.9 18 reviews

Photos by M M , Alex Villasuso , Cutler Bay , Anthony Mackey Sr. via Google Maps

View on Google Maps

Cutler Bay Town Hall

Open now · Mon 8:00 AM – 5:00 PM

(305) 234-4262

cutlerbay-fl.gov .GOV

10720 Caribbean Blvd suite 110, Cutler Bay, FL 33189, USA

Recent Reviews

Carlos Alberto Rojas ★★★★★

"Beautiful place and very nice and clean"

J. M. ★★★★★

"Staff is super helpful and nice. Would be great if the city invested in an online system for permit and license submission and progress tracking like other cities and states. However, I visited, and t…"

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 Cutler Bay

More Insurance Options in Cutler Bay, 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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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

Business Life Insurance in Cutler Bay, FL

Cutler Bay, FL — Your Local Producer

Licensed Business Life Producers in Cutler Bay

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Cutler Bay 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 Cutler Bay, 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 Cutler Bay Resources