June Marcia Williams

Your Insurance Agent in Tavernier, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Tavernier, FL...

National Producer No.

17209549

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Business Life Insurance in Tavernier, FL

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

Business life insurance for Tavernier, 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 · Tavernier, FL

Tavernier, FL — Your Local Producer

Living in Tavernier means embracing the unique rhythm of the Florida Keys. While we all cherish the laid-back island lifestyle, planning for the future is just as important as enjoying the present. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping my Monroe County neighbors protect what matters most. I offer personal guidance on a range of options, from Term and Whole Life to Final Expense and supplemental health policies. My goal is to help you understand your choices so you can secure your family’s financial well-being. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Harry Harris Park
Coral Shores High School
Mariners Hospital

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Tavernier

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

Alissa Marie Whittle

Life Including Variable Annuity & Health

NPN 17684376 Licensed 2022

Anthony Romero

Life Including Variable Annuity & Health

NPN 7088737 Licensed 2004

Darin R Carroll

Life Including Variable Annuity & Health

NPN 931642 Licensed 2023

Erica D'Agostino

Life Including Variable Annuity & Health

NPN 21065049 Licensed 2024

Harley Nathan Kane

Life Including Variable Annuity & Health

NPN 19985439 Licensed 2021

James Deslondes

Life Including Variable Annuity & Health

NPN 20503540 Licensed 2023

Jodie Cerra

Life Including Variable Annuity & Health

NPN 21101574 Licensed 2024

Joseph Cass Miller

Life Including Variable Annuity & Health

NPN 20856263 Licensed 2023

Joshua F Hornik

Life Including Variable Annuity & Health

NPN 7335632 Licensed 2021

Juan David Franco

Life Including Variable Annuity & Health

NPN 18598552 Licensed 2017

Kendahl Harrison

Life Including Variable Annuity & Health

NPN 16833401 Licensed 2012

Kimberly Kimberly Harrington

Life Including Variable Annuity & Health

NPN 22273891 Licensed 2026

Marshall Merrriman

Life Including Variable Annuity & Health

NPN 21255549 Licensed 2024

Mary Elizabeth Houston

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

NPN 8197977 Licensed 2007

Miriam Garcia

Life Including Variable Annuity & Health

NPN 7555080 Licensed 2019

Myrna Hill

Life Including Variable Annuity & Health

NPN 872020 Licensed 2019

Norberto Menendez

Life Including Variable Annuity & Health

NPN 22131307 Licensed 2026

Peter Smilovsky

Life Including Variable Annuity & Health

NPN 8081796 Licensed 2004

Robert Richard Warner

Life Including Variable Annuity & Health

NPN 8633780 Licensed 2020

Sara Marylen Roth

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

NPN 20751837 Licensed 2023

Sean William Sinnamon

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

NPN 20395379 Licensed 2022

Shannon Quinn Catarineau

Life Including Variable Annuity & Health

NPN 18586839 Licensed 2017

Stacia Devon Martinez

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

NPN 16666339 Licensed 2025

Sylvia Rossi-Montero

Life Including Variable Annuity & Health

NPN 13854756 Licensed 2009

View all 27 licensed business life producers in Tavernier →

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

Official Tavernier Resources

County Monroe County

Population ~2,261

Lack of insurance (18–64) 12.7%

FIPS code 1271250

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 Tavernier rates. Start your quote request below.

FL OIR .GOV Monroe County Gov Portal .GOV

4.6 412 reviews

"Unfussy, family-owned stop for classic seafood plates, burgers, beer & wine alongside takeout." Google editorial · City Hall Cafe & Wine bar

Photos by City Hall Cafe & Wine bar via Google Maps

View on Google Maps

City Hall Cafe & Wine bar

Open now · Mon 11:00 AM – 9:00 PM

(305) 852-3354

cityhallcafe.net

88511 Overseas Hwy, Tavernier, FL 33070, USA

Recent Reviews

Kiefer Kenneth ★★★★★

"The Best and Cheapest place to Eat Between Homestead Florida and Key West Florida and huge portions of homemade potato salad etc..I FOUND THE OWNER TO BE A VERY FRIENDLY MAN 👨 ALSO. Peace Kenny ✌ ☮"

Dawna K. Davis ★★★★★

"I haven’t dined in yet however, the food is great and you know it is when you can’t get enough of it. I have the pasta salads quite often. My favorite is the Turkey Chipotle pasta salad. My second is …"

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

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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.

⚖️

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 Tavernier

More Insurance Options in Tavernier, 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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Licensed in 5 states NPN verified No obligation

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Business Life Insurance in Tavernier, FL

Tavernier, FL — Your Local Producer

Licensed Business Life Producers in Tavernier

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Tavernier 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 Tavernier, 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 Tavernier Resources