June Marcia Williams

Your Insurance Agent in Okeechobee, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Okeechobee, FL...

National Producer No.

17209549

Verify ↗

Universal Life Insurance in Okeechobee, FL

Market-linked growth with guaranteed downside protection.

Universal life insurance for Okeechobee, 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 · Okeechobee, FL

Okeechobee, FL — Your Local Producer

Hello Okeechobee! As a licensed insurance producer here in Florida, I appreciate the strong sense of community that defines life in Okeechobee County. My name is June Marcia Williams (NPN: 17209549), and I'm dedicated to helping my neighbors navigate their insurance options with clarity and confidence. I offer personal guidance on policies like Term, Whole, and Universal Life, Final Expense, Critical Illness, and Accident & Injury coverage. Whether you're planning for the future or protecting against the unexpected, I'm here to help you find a suitable plan. (Florida License No: W840529)

Okeechobee County Courthouse
Flagler Park
Okeechobee High School

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Okeechobee

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

Aimee Michelle Bowen

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

NPN 18113967 Licensed 2017

Alani Anahi Garcia

Life Including Variable Annuity & Health

NPN 19452391 Licensed 2020

Alexandra Nicole Fermin

Life Including Variable Annuity & Health

NPN 20822123 Licensed 2023

Alicia Murphy

Life Including Variable Annuity & Health

NPN 20233907 Licensed 2022

Amanda Nicole Deschamps

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

NPN 7103575 Licensed 2010

Amber Marie Chabot

Life Including Variable Annuity & Health

NPN 20803687 Licensed 2023

Annamarie Stiadle

Life Including Variable Annuity & Health

NPN 21661105 Licensed 2025

Anthony William Sollohub

Life Including Variable Annuity & Health

NPN 20663994 Licensed 2023

Aubrey Alaine Puyol

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

NPN 17619811 Licensed 2023

Barbara-Ann Klie

Life Including Variable Annuity & Health

NPN 18000328 Licensed 2024

Ben Clinton Sims

Life Including Variable Annuity & Health

NPN 600441 Licensed 1996

Benjamin Aaron Estey

Life Including Variable Annuity & Health

NPN 21617105 Licensed 2025

Benjamin Hughett

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

NPN 18305857 Licensed 2025

Bobby L Williams

Life Including Variable Annuity & Health

NPN 20104506 Licensed 2021

Brendan L Pritchard

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

NPN 546275 Licensed 1999

Bryan James Finnegan

Life Including Variable Annuity & Health

NPN 20631222 Licensed 2023

Bryson Oneil Shockley

Life Including Variable Annuity & Health

NPN 21228422 Licensed 2024

Cameron Tewksbury

Life Including Variable Annuity & Health

NPN 17755526 Licensed 2015

Cameron White

Life Including Variable Annuity & Health

NPN 21398220 Licensed 2024

Carlie Wright

Life Including Variable Annuity & Health

NPN 19772565 Licensed 2023

Charity Lynn Walker

Life Including Variable Annuity & Health

NPN 18968597 Licensed 2018

Chelsea Weeks

Life Including Variable Annuity & Health

NPN 20339282 Licensed 2022

Cheyenne Johnson

Life Including Variable Annuity & Health

NPN 21216519 Licensed 2024

Christopher Williams

Life Including Variable Annuity & Health

NPN 20824794 Licensed 2023

View all 137 licensed universal life producers in Okeechobee →

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

Official Okeechobee Resources

County Okeechobee County

Population ~5,319

Lack of insurance (18–64) 17.2%

FIPS code 1251200

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 Okeechobee rates. Start your quote request below.

FL OIR .GOV Okeechobee County Gov Portal .GOV

3.8 16 reviews

Photos by Wine Food Travel , Herve Andrieu , Harrison C. Davies , William Saum via Google Maps

View on Google Maps

City Hall of Okeechobee

(863) 763-3372

cityofokeechobee.com

55 SE 3rd Ave, Okeechobee, FL 34974, USA

Recent Reviews

Wisconsin Patriot ★☆☆☆☆

"What's the point in having a city council meeting if you will restrict the right to open comment? You are not following the constitution and all of you should be brought up on charges for not standing…"

Annie Hickey ★★★★★

"We attended a ceremony for our recently deceased family member who was honored by the city for his service to the police. My father had been the Mayor here for many years. It was heartwarming and touc…"

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 Okeechobee

More Insurance Options in Okeechobee, 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 Okeechobee, FL

Okeechobee, FL — Your Local Producer

Licensed Universal Life Producers in Okeechobee

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Okeechobee 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 Okeechobee, 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?

Also Serving Okeechobee County

Basinger Wealth Strategy

Cypress Quarters Life Protection

Taylor Creek Financial Security

Fellsmere Coverage Guide

Florida Ridge Financial Security

Gifford Life Protection

Indian River Shores Financial Security

Orchid Financial Security

Sebastian Wealth Strategy

Vero Beach Life Protection

Vero Beach South Financial Security

The Wabasso Legacy Plan

The West Vero Corridor Legacy Plan

Buckhead Ridge Financial Security

The Moore Haven Legacy Plan

Palmdale Coverage Guide

Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Okeechobee Resources