June Marcia Williams

Your Insurance Agent in Opa Locka, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Opa Locka, FL...

National Producer No.

17209549

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Universal Life Insurance in Opa Locka, FL

Flexible premiums, S&P 500-linked returns, 0% floor.

Universal life insurance for Opa Locka, 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 · Opa Locka, FL

Opa Locka, FL — Your Local Producer

Hello to my neighbors in Opa Locka! I appreciate the unique character and vibrant culture that defines our corner of Miami-Dade County. My name is June Marcia Williams, and as a licensed insurance producer, I'm committed to helping local families and individuals plan for their financial security. Whether you're considering Term Life, Whole Life, Final Expense, or Accident & Injury insurance, I can help you understand your options. My goal is to provide clear, personal guidance so you can make confident decisions for your future. I'm here to serve our community. (NPN: 17209549, Florida License No: W840529)

Opa-locka City Hall
Miami-Opa Locka Executive Airport
Opa-locka Tri-Rail Station

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Opa Locka

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

Adffher Ivan Nicolas

Life Including Variable Annuity & Health

NPN 20631215 Licensed 2023

Alba E Rivera

Life Including Variable Annuity & Health

NPN 6913074 Licensed 2002

Amarilys Brito

Life Including Variable Annuity & Health

NPN 18740315 Licensed 2018

Ana Maria Mendoza Concepcion

Life Including Variable Annuity & Health

NPN 21312975 Licensed 2024

Anabel Crespo

Life Including Variable Annuity & Health

NPN 21187121 Licensed 2024

Andre Corbitt

Life Including Variable Annuity & Health

NPN 16629315 Licensed 2012

Andrea Elizabeth Young

Life Including Variable Annuity & Health

NPN 2899461 Licensed 2016

Andres Avilez Diaz

Life Including Variable Annuity & Health

NPN 18781312 Licensed 2018

Andy Collazo Gutierrez

Life Including Variable Annuity & Health

NPN 21372341 Licensed 2024

Anthony L Sawyer

Life Including Variable Annuity & Health

NPN 18390060 Licensed 2017

Arelis Sanabria

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

NPN 18164540 Licensed 2016

Arielis Mor Araque

Life Including Variable Annuity & Health

NPN 19406507 Licensed 2020

Arisdelbis Fernandez Tovar

Life Including Variable Annuity & Health

NPN 20975492 Licensed 2023

Arisnaisy Hernandez Vazquez

Life Including Variable Annuity & Health

NPN 20578124 Licensed 2023

Arletis Montano Montano

Life Including Variable Annuity & Health

NPN 21367923 Licensed 2024

Astrid Marisol Ordonez

Life Including Variable Annuity & Health

NPN 22199693 Licensed 2026

Barbara Del Carmen Hernandez Ravelo

Life Including Variable Annuity & Health

NPN 22147904 Licensed 2026

Brian A Garcia

Life Including Variable Annuity & Health

NPN 22053757 Licensed 2025

Carmen V Sanchez Tirado

Life Including Variable Annuity & Health

NPN 20981151 Licensed 2023

Catherine Eliza Higgs-Palmer

Life Including Variable Annuity & Health

NPN 12463469 Licensed 2009

Charlene Valerie Ward-Allen

Life Including Variable Annuity & Health

NPN 21432684 Licensed 2025

Charles Bryan Bello

Life Including Variable Annuity & Health

NPN 16975938 Licensed 2023

Chrislady Richardson Ortiz

Life Including Variable Annuity & Health

NPN 21635653 Licensed 2025

Christena Phillips

Life Including Variable Annuity & Health

NPN 21206108 Licensed 2024

View all 94 licensed universal life producers in Opa Locka →

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 Opa Locka regional market. Rates are localized using regional health baselines.

Official Opa Locka Resources

County Miami Dade County

Population ~16,230

Lack of insurance (18–64) 28.2%

FIPS code 1251650

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 Opa Locka rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

4.4 10 reviews

Photos by Ricardo Bianchetti , Jean Pierre Kamiya , Daniel Calzadilla via Google Maps

View on Google Maps

Historic Opa-locka City Hall

(305) 953-2868

Sharazad Blvd, Opa-locka, FL 33054, USA

Recent Reviews

Chad Cherf ★★★★★

"We went there tonight, which was February 13th, 2026 for 2nd annual MN ENA Festival. We drove a really long way. About 3 hours there and 2 hours home from Stuart, FL. We saw ab advertisement for th…"

Roy Banos ★★★★★

"Turns out Opa-locka City Hall isn’t the Small World ride or Morocco at EPCOT — but it sure fooled me for a second. The architecture makes you feel like you’ve stepped into another world, without needi…"

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.

See If You Pre-Qualify in 60 Seconds

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

How much coverage do you need?

$50K

$100K

$150K

$250K

$400K

$500K+

How long do you need coverage?

10 yr

15 yr

20 yr

25 yr

30 yr

Date of Birth

Gender

Height

Weight (lbs)

Tobacco or nicotine use?

Never

Quit 5+ yrs

Quit 1-5 yrs

Current

Have you ever been treated for high blood pressure?

Yes

Have you ever been treated for high cholesterol?

Yes

Have you been diagnosed with or treated for diabetes?

Yes

Has a parent died before age 65 from heart disease or cancer?

Yes

Any DUI/DWI in the past 5 years?

Yes

First Name

Last Name

Phone

Zip Code

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

Your info is secure and never shared. June will contact you within minutes with personalized quotes. Pre-qualification is an estimate — final rates determined by carrier underwriting.

✅

Quote Request Received!

June will contact you within minutes with personalized quotes 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

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

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 Opa Locka

More Insurance Options in Opa Locka, FL

🛡️ Term Life 💎 Whole Life 🏥 Critical Illness 🏨 Hospital Indemnity ⚡ Accident & Injury 🏢 Business Life 🔑 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

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.

Nearby Universal Life Coverage

Read the Full Universal Life Consumer Guide →

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

Talk to a real person. Today.

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

Universal Life Insurance in Opa Locka, FL

Opa Locka, FL — Your Local Producer

Licensed Universal Life Producers in Opa Locka

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Opa Locka Resources

Why Choose June?

A-Rated Security

Rapid Underwriting

Direct Pricing

Digital Portals

See If You Pre-Qualify in 60 Seconds

Quote Request Received!

IUL Options

Simplified Issue IUL

Cash Accumulation IUL

Protection-Focused IUL

Everything You Need to Know About Universal Life Insurance

How Does IUL Work?

What Are Cap Rates and Floors?

Can IUL Pay for Long-Term Care?

IUL for Retirement Planning

IUL vs. Whole Life vs. Term

Florida Life Insurance Consumer Rights

More Insurance Options in Opa Locka, FL

Know Your Rights in Florida

Florida Office of Insurance Regulation

FL Life Insurance Buyer's Guide

Verify an Agent's NPN License

Indexed Universal Life (IUL) FAQ

How does indexed universal life (IUL) work?

What are cap rates and floors?

Can IUL pay for long-term care?

Is IUL good for retirement?

What's the difference between IUL and whole life?

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Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Opa Locka Resources