June Marcia Williams

Your Insurance Agent in Fernandina Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Fernandina Beach, FL...

National Producer No.

17209549

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Business Life Insurance in Fernandina Beach, FL

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

Business life insurance for Fernandina Beach, 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 · Fernandina Beach, FL

Fernandina Beach, FL — Your Local Producer

For my neighbors in Fernandina Beach, enjoying our unique island life is what it's all about. From the historic downtown to the beautiful coastline, we have so much to protect. I'm June Marcia Williams, a licensed insurance producer right here in Florida, and I'm dedicated to helping you secure that peace of mind. Whether you're considering Term Life, Final Expense, or supplemental health plans like Critical Illness or Accident & Injury, I can help you navigate your options. My goal is to understand your needs and find a personalized solution for your family's financial future. (NPN: 17209549, Florida License No: W840529)

Fort Clinch State Park
Amelia Island Lighthouse
Centre Street

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Fernandina Beach

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

Adam Peter Bessette

Life Including Variable Annuity & Health

NPN 2111423 Licensed 2026

Adam Robert Macdougall

Life Including Variable Annuity & Health

NPN 21344883 Licensed 2024

Alan Edward Boyer

Life Including Variable Annuity & Health

NPN 8492579 Licensed 2009

Alicia Marie Woodham

Life Including Variable Annuity & Health

NPN 17784680 Licensed 2015

Allison M Hofmann

Life Including Variable Annuity & Health

NPN 7382038 Licensed 2019

Amanda Weimar

Life Including Variable Annuity & Health

NPN 20038833 Licensed 2021

Amelia Anne Tackett

Life Including Variable Annuity & Health

NPN 21025127 Licensed 2024

Amelia Son

Life Including Variable Annuity & Health

NPN 20298952 Licensed 2022

Amy Hoppe

Life Including Variable Annuity & Health

NPN 19285697 Licensed 2019

Amy Lee Ryan

Life Including Variable Annuity & Health

NPN 7890292 Licensed 2011

Andrew Sameul Newton

Life Including Variable Annuity & Health

NPN 20113696 Licensed 2023

Anna Cannata

Life Including Variable Annuity & Health

NPN 20873458 Licensed 2023

Ashley Thomas

Life Including Variable Annuity & Health

NPN 21621892 Licensed 2025

Audrey Louise Jones

Life Including Variable Annuity & Health

NPN 8549316 Licensed 2006

Barbara M Broyles

Life Including Variable Annuity & Health

NPN 19582343 Licensed 2020

Benjamin Shane Hoots

Life Including Variable Annuity & Health

NPN 20383948 Licensed 2022

Billy T Bush

Life Including Variable Annuity & Health

NPN 7005580 Licensed 2026

Brandi O'Brien

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

NPN 17864548 Licensed 2022

Brandon Keith Hall

Life Including Variable Annuity & Health

NPN 17405179 Licensed 2014

Brendan Matthew Twiggs

Life Including Variable Annuity & Health

NPN 21475024 Licensed 2025

Brian Christopher Weepie

Life Including Variable Annuity & Health

NPN 21020518 Licensed 2023

Brian Henning

Life Including Variable Annuity & Health

NPN 16944110 Licensed 2013

Brian Todd Burnum

Life Including Variable Annuity & Health

NPN 20411262 Licensed 2022

Brianna Corin Bango-Sanchez

Life Including Variable Annuity & Health

NPN 20141070 Licensed 2021

View all 207 licensed business life producers in Fernandina Beach →

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 Fernandina Beach regional market. Rates are localized using regional health baselines.

Official Fernandina Beach Resources

County Nassau County

Population ~13,028

Lack of insurance (18–64) 7.3%

FIPS code 1222175

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 Fernandina Beach rates. Start your quote request below.

FL OIR .GOV Nassau County Gov Portal .GOV

3.5 8 reviews

Photos by God's Love , Patriot The Penguin (Bottlesgonewild) via Google Maps

View on Google Maps

Fernandina Beach City Hall

Open now · Mon 8:00 AM – 5:00 PM

(904) 310-3100

fbfl.us

204 Ash St, Fernandina Beach, FL 32034, USA

Recent Reviews

God's Love ★☆☆☆☆

"It's heartbreaking to witness the slow demise of Fernandina Beach, Florida's downtown neighborhoods. Once vibrant with worker homes and local residents, these areas are being replaced by vacation home…"

claire vauzanges ★★★★★

"Banks are audited once a year, but it is rare for small cities to scrutinize their money handling. More often than not, their finances should be examined annually for waste, fraud, and "loose" accoun…"

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 Fernandina Beach

More Insurance Options in Fernandina Beach, 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 Fernandina Beach, FL

Fernandina Beach, FL — Your Local Producer

Licensed Business Life Producers in Fernandina Beach

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Fernandina Beach 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 Fernandina Beach, 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 Fernandina Beach Resources