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Home›Florida›Miami Dade County›Medley›Universal Life Insurance

June Marcia Williams — Licensed Universal Life Insurance Agent in Medley, FL
June Marcia Williams
Your Insurance Agent in Medley, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Medley, FL...
National Producer No.
17209549
Verify ↗

Universal Life Insurance in Medley, FL

Market-linked growth with guaranteed downside protection.

Universal life insurance for Medley, 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 · Medley, FL

Medley, FL — Your Local Producer

Hello, Medley neighbors! As a licensed insurance producer right here in Florida, I understand the unique character and hardworking spirit that defines our corner of Miami-Dade County. Life can be unpredictable, but your financial security doesn't have to be. I'm June Marcia Williams, and I'm dedicated to helping individuals and families in Medley find personal insurance solutions that fit their lives. Whether you're considering Term Life, Final Expense, or coverage for unexpected accidents or illnesses, I can help you navigate your options with clarity and care. (NPN: 17209549, FL License: W840529)

  • Town of Medley Municipal Center
  • Medley Park
  • Okeechobee Road & Palmetto Expressway
NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Medley

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

AF
Alejandro Jose Fung
Life Including Variable Annuity & Health
NPN 18245443 Licensed 2016
AB
Alexander Betancourt
Life Including Variable Annuity & Health
NPN 19424345 Licensed 2020
AB
Andreina Del Carmen Cortesia Baldan
Life Including Variable Annuity & Health
NPN 20880890 Licensed 2023
AA
Angelica Maria Andara
Life Including Variable Annuity & Health
NPN 20441777 Licensed 2022
BT
Belisa Urdaneta De Tortolero
Life Including Variable Annuity & Health
NPN 19233829 Licensed 2019
CN
Caterine Duarte Nunez
Life Including Variable Annuity & Health
NPN 20862358 Licensed 2023
CR
Caton Rafael Rodriguez
Life Including Variable Annuity & Health
NPN 11589125 Licensed 2024
DS
Daisy Sanabria
Life Including Variable Annuity & Health
NPN 21100081 Licensed 2024
DR
Daniella Rodriguez
Life Including Variable Annuity & Health
NPN 19382462 Licensed 2019
ET
Emilia Tourinan
Life Including Variable Annuity & Health
NPN 20867589 Licensed 2023
FC
Fernando M Mesa Contreras
Life Including Variable Annuity & Health
NPN 21128051 Licensed 2024
FS
Francia Elena Sanchezcasbarro
Life Including Variable Annuity & Health
NPN 20843546 Licensed 2023
GP
Gustavo M Portela
Life Including Variable Annuity & Health
NPN 7505890 Licensed 2003
IS
Isabella Suarez-Chamie
Life Including Variable Annuity & Health
NPN 21020492 Licensed 2023
JK
Jacob Kanonitz
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 448605 Licensed 1996
JP
Jorge F Franco Perez
Life Including Variable Annuity & Health
NPN 20720340 Licensed 2023
JS
Juan D Navarro Sanchez
Life Including Variable Annuity & Health
NPN 19901561 Licensed 2021
JG
Junior Gradaille
Life Including Variable Annuity & Health
NPN 21711749 Licensed 2025
KA
Katiuska Varela Anzola
Life Including Variable Annuity & Health
NPN 19591081 Licensed 2020
LA
Leriely De Los Angeles Febres Alvarado
Life Including Variable Annuity & Health
NPN 21061135 Licensed 2024
LG
Luis E Guevara
Life Including Variable Annuity & Health
NPN 20314976 Licensed 2022
MC
Maria Carolina Castillo
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 20454553 Licensed 2022
MS
Maria Estrella Sanabria
Life Including Variable Annuity & Health
NPN 21488622 Licensed 2025
MA
Martha Lucia Arcila
Life Including Variable Annuity & Health
NPN 21472961 Licensed 2025
View all 36 licensed universal life producers in Medley →

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

Official Medley Resources

County Miami Dade County
Population ~1,018
Lack of insurance (18–64) 22.6%
FIPS code 1243900

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 Medley rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV
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2.7 7 reviews
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Medley Town Hall
townofmedley.com
7777 NW 72nd Ave, Medley, FL 33166, USA
Recent Reviews
Jose Del rosario ★★★★★
"The employees at the City of Medley provided excellent service when I obtained the license for my business, Sosua Auto. They were professional, friendly, and very helpful throughout the process. Thank…"
Anwar Hamoude ★☆☆☆☆
"Am I living in a 3rd world country? The behavior I have witnessed definitely resembles exactly what I would expect living in a 3rd world country. Not only observing the behavior of local police, but 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 Universal Life Guide →

Select your coverage below to see your price in seconds.

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Flexible coverage for your changing needs — no obligation — custom strategies from top carriers

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Or call now: (908) 339-7723

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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
Most Popular

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 Medley

More Insurance Options in Medley, FL

🛡️ Term Life 💎 Whole Life 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 Special Situations 🕊️ Final Expense
Insurance Resources

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FL Life Insurance Buyer's Guide

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Visit floir.gov →.GOV

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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.

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Dedicated Universal Life coverage page for Labelle with local agent support.

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Personalized Universal Life quotes for Pioneer residents — no obligation.

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Universal Life protection tailored to Port LaBelle families and businesses.

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Read the Full Universal Life Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

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