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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Universal Life Insurance in Tavernier, FL

June Williams — NPN 17209549. Cash accumulation and retirement planning.

Universal life insurance for Tavernier, 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 · 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 Universal 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 universal 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.

Universal Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Universal 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 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 Tavernier

More Insurance Options in Tavernier, 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 Tavernier, FL

Tavernier, FL — Your Local Producer

Licensed Universal Life Producers in Tavernier

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Tavernier 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 Tavernier, 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 Tavernier Resources