June Marcia Williams

Your Insurance Agent in Miami Shores, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Miami Shores, FL...

National Producer No.

17209549

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Business Life Insurance in Miami Shores, FL

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

Business life insurance for Miami Shores, 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 · Miami Shores, FL

Miami Shores, FL — Your Local Producer

Hello, Miami Shores! I love the unique charm of our village, from the beautiful architecture to the strong sense of community that makes Miami-Dade County so special. As your neighbor and a licensed insurance producer, I'm here to help you navigate your personal insurance options with a local touch. Whether you're considering Term Life, Whole Life, Final Expense, or specialized plans like Critical Illness and Hospital Indemnity, my goal is to provide clear, straightforward guidance. Let's work together to find a strategy that fits your life. I'm June Marcia Williams (NPN: 17209549, Florida License No: W840529), and I look forward to serving my fellow residents.

Barry University
Miami Shores Country Club
Brockway Memorial Library

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Miami Shores

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

Abbas Ugur

Life Including Variable Annuity & Health

NPN 21495596 Licensed 2025

Alexander E Cardona Niebles

Life Including Variable Annuity & Health

NPN 16333054 Licensed 2011

Alexandra Denis

Life Including Variable Annuity & Health

NPN 20975518 Licensed 2023

Andres Eduardo Posada

Life Including Variable Annuity & Health

NPN 21697177 Licensed 2025

Armando Fernandez

Life Including Variable Annuity & Health

NPN 1927261 Licensed 1998

Ashley Riggs Sarnicola

Life Including Variable Annuity & Health

NPN 12406350 Licensed 2026

Beatriz Padilla

Life Including Variable Annuity & Health

NPN 21323110 Licensed 2024

Bianca Abbott

Life Including Variable Annuity & Health

NPN 21295755 Licensed 2024

Blane Medley

Life Including Variable Annuity & Health

NPN 3057138 Licensed 2018

Carlos Jose Colina

Life Including Variable Annuity & Health

NPN 19798308 Licensed 2021

Cheronne E Van De Lisle

Life Including Variable Annuity & Health

NPN 17782979 Licensed 2025

Chris Antonopoulos

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

NPN 495571 Licensed 1974

Christian Tomasoni

Life Including Variable Annuity & Health

NPN 22195570 Licensed 2026

Christina Asma Ganem

Life Including Variable Annuity & Health

NPN 22260087 Licensed 2026

Claudia Figueredo Guerrero

Life Including Variable Annuity & Health

NPN 20828067 Licensed 2023

Claudia Robles

Life Including Variable Annuity & Health

NPN 21281211 Licensed 2024

Colleen Carolyn Smith

Life Including Variable Annuity & Health

NPN 20730798 Licensed 2025

Damaris Mateo

Life Including Variable Annuity & Health

NPN 22238759 Licensed 2026

Daniel Suniga

Life Including Variable Annuity & Health

NPN 21552472 Licensed 2025

Dean Mauro

Life Including Variable Annuity & Health

NPN 20565454 Licensed 2022

Deanna Lynn Evans-Cook

Life Including Variable Annuity & Health

NPN 19611309 Licensed 2020

Elizabeth Sincere

Life Including Variable Annuity & Health

NPN 20276706 Licensed 2022

Esgar-Jose Philistin

Life Including Variable Annuity & Health

NPN 18805648 Licensed 2018

Francisco Miguel Llende

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

NPN 506843 Licensed 2016

View all 63 licensed business life producers in Miami Shores →

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 Miami Shores regional market. Rates are localized using regional health baselines.

Official Miami Shores Resources

County Miami Dade County

Population ~11,638

Lack of insurance (18–64) 17.8%

FIPS code 1245175

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 Miami Shores rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

Photos by Diane M. Lizasuain , Oleg Ka , Harrison C. Davies via Google Maps

View on Google Maps

Miami Shores

miamishoresvillage.com

Miami Shores, 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

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

Your info is secure · Never shared · June responds within 30 min

✅

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.

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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 Miami Shores

More Insurance Options in Miami Shores, 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 Miami Shores, FL

Miami Shores, FL — Your Local Producer

Licensed Business Life Producers in Miami Shores

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Miami Shores 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 Miami Shores, 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 Miami Shores Resources