June Marcia Williams

Your Insurance Agent in Winter Garden, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Winter Garden, FL...

National Producer No.

17209549

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Business Life Insurance in Winter Garden, FL

Coverage based on revenue, key person income, and loan balance.

Business life insurance for Winter Garden, 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 · Winter Garden, FL

Winter Garden, FL — Your Local Producer

Hello, Winter Garden! I love the unique charm of our city, from the historic downtown to the beautiful West Orange Trail that connects our community. In a place with such a strong sense of local pride, protecting your family's future is paramount. My name is June Marcia Williams, and as a licensed insurance producer right here in Florida, I'm dedicated to helping my neighbors understand their options. I can assist you with personal plans like Term Life, Final Expense, and Critical Illness coverage, providing clear guidance so you can make confident decisions for your loved ones. (NPN: 17209549, Florida License No: W840529)

Plant Street Market
Garden Theatre
West Orange Trail

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Winter Garden

1092 on public record · Florida DFS · Fla. Stat. §119.01

Aaron Leighton Abney

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

NPN 1680285 Licensed 1999

Aaron Perez

Life Including Variable Annuity & Health

NPN 20325758 Licensed 2022

Adam Moriatis

Life Including Variable Annuity & Health

NPN 21419802 Licensed 2024

Adeeb Mubarak

Life Including Variable Annuity & Health

NPN 21380578 Licensed 2024

Ademir Castro Lopes

Life Including Variable Annuity & Health

NPN 22149363 Licensed 2026

Adiel Sebastian Santiago Torres

Life Including Variable Annuity & Health

NPN 22232414 Licensed 2026

Adonay Martinez

Life Including Variable Annuity & Health

NPN 21162323 Licensed 2024

Adorys Moya Marquez

Life Including Variable Annuity & Health

NPN 19638418 Licensed 2020

Adriana Beatriz Maciasnatarelli

Life Including Variable Annuity & Health

NPN 21730383 Licensed 2025

Adriana Gomez

Life Including Variable Annuity & Health

NPN 17185651 Licensed 2019

Agustin Luis Vivas Asuaje

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

NPN 19286868 Licensed 2021

Aiskel Yaremi Gomez Pichardo

Life Including Variable Annuity & Health

NPN 18719163 Licensed 2018

Albert C Clancy

Life Including Variable Annuity & Health

NPN 3822952 Licensed 2000

Aldo Francisco Zambrano Leon

Life Including Variable Annuity & Health

NPN 20492850 Licensed 2022

Alejandra Jacqueline Mesa

Life Including Variable Annuity & Health

NPN 20769377 Licensed 2023

Alejandra Virginia Urdaneta Gonzalez

Life Including Variable Annuity & Health

NPN 20521900 Licensed 2022

Alejandro Castellanos Diaz

Life Including Variable Annuity & Health

NPN 20865894 Licensed 2023

Alejandro Jose Reyes

Life Including Variable Annuity & Health

NPN 20469028 Licensed 2022

Alejandro R Garib

Life Including Variable Annuity & Health

NPN 19816984 Licensed 2021

Alejandro Ricci

Life Including Variable Annuity & Health

NPN 20772709 Licensed 2023

Alessandra Do Carmo De Paiva Siqueira

Life Including Variable Annuity & Health

NPN 22178336 Licensed 2026

Alessandra Oliveira

Life Including Variable Annuity & Health

NPN 7029445 Licensed 2025

Alex Antonucci Demetrio

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

NPN 21529031 Licensed 2025

Alex Espino

Life Including Variable Annuity & Health

NPN 21149588 Licensed 2024

View all 1092 licensed business life producers in Winter Garden →

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 Winter Garden regional market. Rates are localized using regional health baselines.

Official Winter Garden Resources

County Orange County

Population ~46,518

Lack of insurance (18–64) 11.6%

FIPS code 1278250

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 Winter Garden rates. Start your quote request below.

FL OIR .GOV Orange County Gov Portal .GOV

4.4 67 reviews

Photos by Alan Larner , Vanessa Ayola , Orlando Medina Laurentin , Alex Brymer via Google Maps

View on Google Maps

City of Winter Garden

Open now · Mon 7:30 AM – 5:30 PM

(407) 656-4100

cwgdn.com

300 W Plant St, Winter Garden, FL 34787, USA

Recent Reviews

P Lem ★★★★★

"Plenty of free parking and is a wonderful nightly festive walk. Great job by the city and a lot of work goes into lighting this. Live music and plenty of decorated golf carts. Majority of the retaile…"

Karina Urquhart ★★★★★

"Employees are very Professional and helpful. Thank you Veronica for helping me connecting my utilities."

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

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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 Winter Garden

More Insurance Options in Winter Garden, 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

📅 Schedule a Call 💬 Get Your Quote

Business Life Insurance in Winter Garden, FL

Winter Garden, FL — Your Local Producer

Licensed Business Life Producers in Winter Garden

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Winter Garden 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 Winter Garden, 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 Winter Garden Resources