June Marcia Williams

Your Insurance Agent in Doral, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Doral, FL...

National Producer No.

17209549

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Business Life Insurance in Doral, FL

June Williams — buy-sell agreements, SBA loan coverage, succession planning.

Business life insurance for Doral, 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 · Doral, FL

Doral, FL — Your Local Producer

As a licensed insurance producer living and working in Florida, I'm proud to serve the residents of Doral. I understand that life in our vibrant corner of Miami-Dade County moves quickly, and securing your family's financial future is a top priority. My goal is to help you understand your options, whether you're exploring Term or Whole Life insurance, Final Expense plans, or supplemental coverage for critical illness or accidents. I provide personalized, one-on-one guidance to help you find a strategy that fits your unique needs. I'm June Marcia Williams (NPN: 17209549, Florida License No: W840529).

Doral Central Park
CityPlace Doral
Doral Government Center

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Doral

4313 on public record · Florida DFS · Fla. Stat. §119.01

Aaron Duran

Life Including Variable Annuity & Health

NPN 21181951 Licensed 2024

Aaron Marlon Intriago

Life Including Variable Annuity & Health

NPN 22167028 Licensed 2026

Abdel Ocana-Lomba

Life Including Variable Annuity & Health

NPN 21402684 Licensed 2024

Abdi Heurtematte

Life Including Variable Annuity & Health

NPN 17696445 Licensed 2015

Abdias Borroto Gonzalez

Life Including Variable Annuity & Health

NPN 22071215 Licensed 2025

Abdiel Puentes Lopez

Life Including Variable Annuity & Health

NPN 20788336 Licensed 2023

Abel Chapeta

Life Including Variable Annuity & Health

NPN 21376460 Licensed 2024

Abel Roque Conde

Life Including Variable Annuity & Health

NPN 21326089 Licensed 2024

Abel Saenz

Life Including Variable Annuity & Health

NPN 20998780 Licensed 2023

Abelardo Natera Torres

Life Including Variable Annuity & Health

NPN 21369362 Licensed 2024

Abimael Borroto Gonzalez

Life Including Variable Annuity & Health

NPN 22141868 Licensed 2026

Abraham Ernesto Lahera Tasse

Life Including Variable Annuity & Health

NPN 21405097 Licensed 2024

Abraham Rodriguez

Life Including Variable Annuity & Health

NPN 19767626 Licensed 2021

Aceneth Ospina

Life Including Variable Annuity & Health

NPN 8658804 Licensed 2022

Ada Brito

Life Including Variable Annuity & Health

NPN 21435955 Licensed 2025

Ada Estefany Del Gallego

Life Including Variable Annuity & Health

NPN 22236837 Licensed 2026

Ada Mariola Ortega

Life Including Variable Annuity & Health

NPN 21366297 Licensed 2024

Ada Mercedes Espinoza

Life Including Variable Annuity & Health

NPN 21739577 Licensed 2025

Adam Daniel Martinez Matienzo

Life Including Variable Annuity & Health

NPN 21240996 Licensed 2024

Adams Jaimes

Life Including Variable Annuity & Health

NPN 21348684 Licensed 2024

Adan Orlando Vasquez

Life Including Variable Annuity & Health

NPN 22216945 Licensed 2026

Adel Al Choufi Parra

Life Including Variable Annuity & Health

NPN 21265277 Licensed 2024

Adianez Villochtorres

Life Including Variable Annuity & Health

NPN 20866046 Licensed 2023

Adiarys Yanexis Barragan Maldonado

Life Including Variable Annuity & Health

NPN 21428248 Licensed 2025

View all 4313 licensed business life producers in Doral →

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 Doral regional market. Rates are localized using regional health baselines.

Official Doral Resources

County Miami Dade County

Population ~74,891

Lack of insurance (18–64) 22.6%

FIPS code 1217935

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 Doral rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

3.3 26 reviews

City of Doral - Government Center photo 1

City of Doral - Government Center photo 2

City of Doral - Government Center photo 3

City of Doral - Government Center photo 4

Photos by Midiala Vento , Oswaldo Monserrate , O Monserrate , Commercial Producer, production fixer, Mari Tato (RunDaShow) via Google Maps

View on Google Maps

City of Doral - Government Center

Open now · Mon 8:00 AM – 5:00 PM

(305) 593-6725

cityofdoral.com

8401 NW 53rd Terrace 2nd floor, Doral, FL 33166, USA

Recent Reviews

Daily Vilar ★☆☆☆☆

"I went to the Doral Central Park for a walk — everything was great until a strong thunderstorm with lightning started. We had to take shelter in a small hut because of the rain. As the park was nearin…"

Romina Portes ★☆☆☆☆

"My family lived at The Courts in Doral for 20 years. We moved in June 2003 when the city was incorporated and fell in love with this City from the first day. Never did we imagine that 20 years later, …"

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

⚡ Call me ASAP — I want to speak with an agent as soon as possible

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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 Doral

More Insurance Options in Doral, 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 Doral, FL

Doral, FL — Your Local Producer

Licensed Business Life Producers in Doral

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Doral 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 Doral, 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 Doral Resources