June Marcia Williams

Your Insurance Agent in Sunny Isles Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Sunny Isles Beach, FL...

National Producer No.

17209549

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Universal Life Insurance in Sunny Isles Beach, FL

Market-linked growth with guaranteed downside protection.

Universal life insurance for Sunny Isles Beach, 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 · Sunny Isles Beach, FL

Sunny Isles Beach, FL — Your Local Producer

Living in beautiful Sunny Isles Beach offers a unique slice of paradise in Miami-Dade County, from the stunning oceanfront to our vibrant community. As you build your life here, ensuring your family's financial security is paramount. My name is June Marcia Williams, and I am a licensed insurance producer dedicated to serving my neighbors. I offer personalized guidance on a range of products, including Term Life, Whole Life, Final Expense, and Critical Illness plans, to help you protect what matters most. My focus is on understanding your specific needs to find a suitable strategy. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Newport Fishing Pier
Oleta River State Park
Samson Oceanfront Park

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Sunny Isles Beach

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

Aaron Anderson

Life Including Variable Annuity & Health

NPN 21240978 Licensed 2024

Abigail Velez

Life Including Variable Annuity & Health

NPN 18585506 Licensed 2017

Adolfo Ernesto Valdivia Padron

Life Including Variable Annuity & Health

NPN 20751877 Licensed 2023

Ahmed Waleed Hamed

Life Including Variable Annuity & Health

NPN 20054935 Licensed 2021

Alan Balayants

Life Including Variable Annuity & Health

NPN 17616197 Licensed 2024

Alberto Vilar

Life Including Variable Annuity & Health

NPN 16744801 Licensed 2012

Aldeide Martinez

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

NPN 19106301 Licensed 2019

Alena Pavlova

Life Including Variable Annuity & Health

NPN 18850779 Licensed 2018

Alevtina Vasilenko

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

NPN 18209110 Licensed 2016

Alexander Gorbachev

Life Including Variable Annuity & Health

NPN 21110133 Licensed 2024

Alexey Tsukanov

Life Including Variable Annuity & Health

NPN 20321324 Licensed 2022

Alfredo Jorge Guerra Aragon

Life Including Variable Annuity & Health

NPN 21369325 Licensed 2024

Alfredo Rodriguez-Rodriguez

Life Including Variable Annuity & Health

NPN 21322130 Licensed 2024

Alicia Violeta Cuentas

Life Including Variable Annuity & Health

NPN 21546663 Licensed 2025

Aliona Lozinschi

Life Including Variable Annuity & Health

NPN 16896128 Licensed 2013

Amanda Silva De Santana

Life Including Variable Annuity & Health

NPN 22168607 Licensed 2026

Amir Nadim Baz

Life Including Variable Annuity & Health

NPN 21269924 Licensed 2024

Ana Julieta Suarez Perez

Life Including Variable Annuity & Health

NPN 20002995 Licensed 2021

Andrea Toledano

Life Including Variable Annuity & Health

NPN 19014161 Licensed 2023

Andreia Ferreira Martins

Life Including Variable Annuity & Health

NPN 21527346 Licensed 2025

Andrew Alexeevich Sidorenko

Life Including Variable Annuity & Health

NPN 22254035 Licensed 2026

Anna Galilova

Life Including Variable Annuity & Health

NPN 21348568 Licensed 2024

Anny Yalexa Hernandez Sanchez

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

NPN 18569542 Licensed 2017

Arnold Harvey Bruck

Life Including Variable Annuity & Health

NPN 414753 Licensed 1995

View all 164 licensed universal life producers in Sunny Isles Beach →

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 Sunny Isles Beach regional market. Rates are localized using regional health baselines.

Official Sunny Isles Beach Resources

County Miami Dade County

Population ~22,202

Lack of insurance (18–64) 15.9%

FIPS code 1269555

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 Sunny Isles Beach rates. Start your quote request below.

FL OIR .GOV Miami Dade County Gov Portal .GOV

4.9 21 reviews

Photos by Iouri Dovnarovich , MT Construction Group , Daniel J. Villamizar Fuentes , leila Vail via Google Maps

View on Google Maps

Sunny Isles Beach City Hall

Open now · Mon 8:30 AM – 5:00 PM

(305) 947-0606

sibfl.net

18070 Collins Ave 3rd floor, Sunny Isles Beach, FL 33160, USA

Recent Reviews

Daniel J. Villamizar Fuentes ★★★★★

"Since arriving in Sunny Islands, the only thing you will feel is an incredible atmosphere. The magnificent beaches, with their majestic buildings, as well as the special resorts, please the sight of t…"

Edith Puyans ★★★★★

"The staff were kind, efficient and caring. We had to sign in first in the garage and then again on the first level before being allowed to visit the staff on the 4th floor. I was expected and the pers…"

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.

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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 Sunny Isles Beach

More Insurance Options in Sunny Isles Beach, 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 Sunny Isles Beach, FL

Sunny Isles Beach, FL — Your Local Producer

Licensed Universal Life Producers in Sunny Isles Beach

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Sunny Isles Beach 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 Sunny Isles Beach, 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 Sunny Isles Beach Resources