June Marcia Williams

Your Insurance Agent in Kendall, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Kendall, FL...

National Producer No.

17209549

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Business Life Insurance in Kendall, FL

Key person replacement, partner buyout funding, loan collateral.

Business life insurance for Kendall, 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 · Kendall, FL

Kendall, FL — Your Local Producer

Hello, Kendall neighbors! In a community as vibrant and diverse as ours here in Miami-Dade County, I know how important it is to protect what matters most—your family and your future. My name is June Marcia Williams, and as a licensed insurance producer right here in Florida, I'm dedicated to helping you navigate your options. Whether you're thinking about term life, final expense, or other personal insurance plans, I can provide clear, straightforward guidance. My goal is to help you find a strategy that fits your unique life in Kendall. (NPN: 17209549, Florida License No: W840529)

Dadeland Mall
Miami Dade College, Kendall Campus
Kendall Indian Hammocks Park

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Kendall

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

Aimee Almeyda Aguila

Life Including Variable Annuity & Health

NPN 21752539 Licensed 2025

Antonella Ugas

Life Including Variable Annuity & Health

NPN 21017557 Licensed 2023

Antonella Zuccaro Agresti

Life Including Variable Annuity & Health

NPN 20132234 Licensed 2021

Dariel Lazaro Oliveros Rivero

Life Including Variable Annuity & Health

NPN 21780907 Licensed 2025

Dayana Pujol Hermida

Life Including Variable Annuity & Health

NPN 21068616 Licensed 2024

Erica D-Zenteno

Life Including Variable Annuity & Health

NPN 20407183 Licensed 2022

Gehovanny Edel Perez Ponce De Leon

Life Including Variable Annuity & Health

NPN 18888845 Licensed 2018

Hortensia Aleman Betancourt

Life Including Variable Annuity & Health

NPN 20365205 Licensed 2022

Jarred Gallardo

Life Including Variable Annuity & Health

NPN 18993211 Licensed 2018

Javier Alejandro Perez Olivera

Life Including Variable Annuity & Health

NPN 21551016 Licensed 2025

Javier De Jesus Jara

Life Including Variable Annuity & Health

NPN 21376481 Licensed 2024

Jennifer Marino-Sandoval

Life Including Variable Annuity & Health

NPN 20540425 Licensed 2022

Jose Rosas Gonzalez

Life Including Variable Annuity & Health

NPN 20973935 Licensed 2023

Juan Andres Herrera Sarmiento

Life Including Variable Annuity & Health

NPN 20981131 Licensed 2023

Karina Salvatierra

Life Including Variable Annuity & Health

NPN 21374764 Licensed 2024

Kevin Allen Steinbring

Life Including Variable Annuity & Health

NPN 21713088 Licensed 2025

Leonardo Perez

Life Including Variable Annuity & Health

NPN 20700497 Licensed 2023

Luz Marleny Giraldo Velez

Life Including Variable Annuity & Health

NPN 21751042 Licensed 2025

Marianne Halvorsen

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

NPN 8111111 Licensed 2025

Olga Verny Roa Vivas

Life Including Variable Annuity & Health

NPN 21519402 Licensed 2025

Paola Guerrero Changir

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

NPN 20815081 Licensed 2023

Paula Ximena Bohorquez Ortiz

Life Including Variable Annuity & Health

NPN 21162568 Licensed 2024

Roxibel Alejandra Celis Carrero

Life Including Variable Annuity & Health

NPN 20407130 Licensed 2022

Santiago Rivera Gonzalez

Life Including Variable Annuity & Health

NPN 21680961 Licensed 2025

View all 25 licensed business life producers in Kendall →

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

Official Kendall Resources

County Miami Dade County

Population ~78,402

Lack of insurance (18–64) 20.0%

FIPS code 1236100

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 Kendall rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

Photos by Nelson Garro , Ivan Curra , Ana Cabadiana via Google Maps

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Kendall

Kendall, FL, USA

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 Kendall

More Insurance Options in Kendall, 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 Kendall, FL

Kendall, FL — Your Local Producer

Licensed Business Life Producers in Kendall

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Kendall 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 Kendall, 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 Kendall Resources