June Marcia Williams

Your Insurance Agent in North Bay Village, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing North Bay Village, FL...

National Producer No.

17209549

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Business Life Insurance in North Bay Village, FL

Coverage based on revenue, key person income, and loan balance.

Business life insurance for North Bay Village, 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 · North Bay Village, FL

North Bay Village, FL — Your Local Producer

For those of us who call the beautiful islands of North Bay Village home, life by the water is truly special. As a fellow Miami-Dade County resident, I understand the unique priorities of our vibrant community. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping my North Bay Village neighbors navigate their options. From securing your family's future with Term or Whole Life insurance to planning for the unexpected with Final Expense or Critical Illness coverage, I provide clear, personalized guidance. I'm here to help you find a plan that fits your life. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

North Bay Village City Hall
John F. Kennedy Causeway
Treasure Island Elementary School

NPN17209549FL LicenseW840529

Licensed Business Life Producers in North Bay Village

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

Abel Rodriguez Munoz

Life Including Variable Annuity & Health

NPN 21237174 Licensed 2024

Adriel Caceres

Life Including Variable Annuity & Health

NPN 17281515 Licensed 2014

Alejandra Correal Londono

Life Including Variable Annuity & Health

NPN 19552333 Licensed 2020

Alena Mccann

Life Including Variable Annuity & Health

NPN 20251867 Licensed 2022

Alexis Mcdonald

Life Including Variable Annuity & Health

NPN 20196838 Licensed 2022

Arian Alessandro Arcia Sanchez

Life Including Variable Annuity & Health

NPN 22268701 Licensed 2026

Austin Gehl

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

NPN 19358531 Licensed 2022

Benoit Anthoine

Life Including Variable Annuity & Health

NPN 18790610 Licensed 2018

Carolina Lopez Carvajal

Life Including Variable Annuity & Health

NPN 21379186 Licensed 2024

Chigozie Enendu

Life Including Variable Annuity & Health

NPN 20660653 Licensed 2023

Chris J Kinback

Life Including Variable Annuity & Health

NPN 20854473 Licensed 2023

Christa Jimenez

Life Including Variable Annuity & Health

NPN 20807864 Licensed 2023

Christian Alfredo Ortega

Life Including Variable Annuity & Health

NPN 18448802 Licensed 2025

Cristina Mistri

Life Including Variable Annuity & Health

NPN 20746874 Licensed 2023

Cynthia Marie Walker

Life Including Variable Annuity & Health

NPN 22128806 Licensed 2026

Daniel Gonzalez

Life Including Variable Annuity & Health

NPN 20774378 Licensed 2023

Erika Kolakowski

Life Including Variable Annuity & Health

NPN 21762280 Licensed 2025

Federico Polidori

Life Including Variable Annuity & Health

NPN 21476613 Licensed 2025

Federico Zamora

Life Including Variable Annuity & Health

NPN 3631679 Licensed 2001

Giancarlo Lamourtte

Life Including Variable Annuity & Health

NPN 20653311 Licensed 2023

Gisela Baranda

Life Including Variable Annuity & Health

NPN 17404112 Licensed 2014

Gladis Guevara

Life Including Variable Annuity & Health

NPN 20854487 Licensed 2023

Hannah Degroff

Life Including Variable Annuity & Health

NPN 21327176 Licensed 2024

Hans Pal Singh Rawat

Life Including Variable Annuity & Health

NPN 20082586 Licensed 2021

View all 75 licensed business life producers in North Bay Village →

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 North Bay Village regional market. Rates are localized using regional health baselines.

Official North Bay Village Resources

County Miami Dade County

Population Data Pending

Lack of insurance (18–64) 20.8%

FIPS code 1249225

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 North Bay Village rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

4.6 10 reviews

Photos by Drone_us abergrichard , Victoria Deulofeu via Google Maps

View on Google Maps

North Bay Village City Hall

Open now · Mon 8:00 AM – 5:00 PM

(305) 756-7171

northbayvillage-fl.gov .GOV

1666 John F Kennedy Causeway #3, North Bay Village, FL 33141, USA

Recent Reviews

J ★★★★☆

"North Bay Village is a pleasant and well-located community with beautiful waterfront views and a calm, residential feel. It’s conveniently close to Miami Beach and downtown, making it easy to enjoy th…"

Victoria Deulofeu ★★★★★

"I left North Bay Village, Florida, passed through Normandy, and continued along Miami Beach to Collins Avenue and 69th Street, near the Cristal Gym. What a wonderful Saturday morning! Along the way, 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.

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Phone Number

Business Name

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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 North Bay Village

More Insurance Options in North Bay Village, 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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Business Life Insurance in North Bay Village, FL

North Bay Village, FL — Your Local Producer

Licensed Business Life Producers in North Bay Village

🏢 Business Life Insurance Underwriting Scope

🏛️ Official North Bay Village 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 North Bay Village, 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 North Bay Village Resources