June Marcia Williams

Your Insurance Agent in Oakland, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Oakland, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Oakland, FL

Key person, buy-sell, and business loan protection.

Business life insurance for Oakland, 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 · Oakland, FL

Oakland, FL — Your Local Producer

Hello, Oakland neighbors. There's a special sense of history and community here in Orange County, and I believe in protecting the families that make our town so unique. As a licensed Florida insurance producer, my name is June Marcia Williams, and I'm here to help you understand your options for personal insurance. From Term and Whole Life to Final Expense and Critical Illness plans, I offer personalized guidance to find coverage that fits your specific needs. My focus is on ensuring you have the information you need to secure your family's future with confidence. (NPN: 17209549, FL License No: W840529)

Oakland Town Hall
Oakland Nature Preserve
West Orange Trail

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Oakland

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

Amanda Harr

Life Including Variable Annuity & Health

NPN 20833816 Licensed 2023

Bradford Hahn

Life Including Variable Annuity & Health

NPN 19541494 Licensed 2020

Brian John Youngs

Life Including Variable Annuity & Health

NPN 21055092 Licensed 2024

Bruce Scott Gentilella

Life Including Variable Annuity & Health

NPN 404783 Licensed 1988

Candace Lindsay Henderson

Life Including Variable Annuity & Health

NPN 20561492 Licensed 2022

Charles Stephen Mulherin

Life Including Variable Annuity & Health

NPN 12900813 Licensed 2009

Chiquita M Hamilton

Life Including Variable Annuity & Health

NPN 15942206 Licensed 2010

Collin David Lewis-Solomon

Life Including Variable Annuity & Health

NPN 19205569 Licensed 2026

David Hugh Root

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

NPN 482492 Licensed 1984

Diana Cruz Herreno

Life Including Variable Annuity & Health

NPN 19344449 Licensed 2019

Florali Teran Pinate

Life Including Variable Annuity & Health

NPN 19653786 Licensed 2020

Gregory Michael Hurley

Life Including Variable Annuity & Health

NPN 2592104 Licensed 2021

Hernando Javier Selvi Briceno

Life Including Variable Annuity & Health

NPN 21488579 Licensed 2025

Iliana Cerra

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

NPN 18681463 Licensed 2018

Jefel Jadoo

Life Including Variable Annuity & Health

NPN 22120524 Licensed 2026

Jocelyn Martinez

Life Including Variable Annuity & Health

NPN 21492633 Licensed 2025

Jordan Anthony Brown

Life Including Variable Annuity & Health

NPN 20107451 Licensed 2021

Jordan Leigh Mulherin

Life Including Variable Annuity & Health

NPN 20447787 Licensed 2022

Juan Lobo

Life Including Variable Annuity & Health

NPN 20663822 Licensed 2023

Julia Joanna Pujols

Life Including Variable Annuity & Health

NPN 16874065 Licensed 2023

Kathryn M Hite

Life Including Variable Annuity & Health

NPN 8069917 Licensed 2007

Kent Lee Nelson

Life Including Variable Annuity & Health

NPN 1540712 Licensed 2006

Kevin Cole

Life Including Variable Annuity & Health

NPN 20827021 Licensed 2023

Kyle Richard Daly

Life Including Variable Annuity & Health

NPN 19460179 Licensed 2020

View all 47 licensed business life producers in Oakland →

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

Official Oakland Resources

County Orange County

Population ~3,488

Lack of insurance (18–64) 11.6%

FIPS code 1250525

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 Oakland rates. Start your quote request below.

FL OIR .GOV Orange County Gov Portal .GOV

4.6 15 reviews

Photos by Eliza Aleksandra , Neville Smith , Barbara Simanski , Patrick Hancock via Google Maps

View on Google Maps

Town of Oakland

Open now · Mon 8:00 AM – 5:00 PM

(407) 656-1117

oaklandfl.gov .GOV

220 N Tubb St, Oakland, FL 34760, USA

Recent Reviews

Paul VW ★★★★★

"Great small town feel, not far from big city amenities. I had the pleasure of meeting the staff in the town's Utilities Office yesterday. I needed to connect to the town's free "Guest" wifi in order t…"

Patrick Hancock ★★★★★

"What an awesome and amazing little town. Home to over 5600 residents. Growing like wildfire! If you are looking did a Marbury town feel, then look no further!"

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

⚡ Call me ASAP — I want to speak with an agent as soon as possible

Your info is secure · Never shared · June responds within 30 min

✅

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.

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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 Oakland

More Insurance Options in Oakland, 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

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

Business Life Insurance in Oakland, FL

Oakland, FL — Your Local Producer

Licensed Business Life Producers in Oakland

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Oakland 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 Oakland, 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 Oakland Resources