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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Universal Life Insurance in Winter Garden, FL

Flexible premiums, S&P 500-linked returns, 0% floor.

Universal life insurance for Winter Garden, 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 · 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 Universal 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 universal 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.

Universal Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Universal 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 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 Winter Garden

More Insurance Options in Winter Garden, 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 Winter Garden, FL

Winter Garden, FL — Your Local Producer

Licensed Universal Life Producers in Winter Garden

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Winter Garden 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 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

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 Winter Garden Resources