June Marcia Williams

Your Insurance Agent in Winter Park, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Winter Park, FL...

National Producer No.

17209549

Verify ↗

Universal Life Insurance in Winter Park, FL

June Williams — NPN 17209549. Cash accumulation and retirement planning.

Universal life insurance for Winter Park, 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 Park, FL

Winter Park, FL — Your Local Producer

Hello, Winter Park! It's a pleasure to serve my neighbors here in Orange County. The unique charm of our community, from the beautiful chain of lakes to the vibrant cultural scene, is something special. As a local resident myself, I understand the importance of protecting what matters most to you and your family. My name is June Marcia Williams, and I'm a licensed insurance producer (NPN: 17209549, Florida License No: W840529) dedicated to helping you navigate your options for life insurance and other personal policies. I'm here to provide clear, personalized guidance.

Rollins College
Charles Hosmer Morse Museum of American Art
Central Park

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Winter Park

1034 on public record · Florida DFS · Fla. Stat. §119.01

Aaron Pastula

Life Including Variable Annuity & Health

NPN 7145500 Licensed 2021

Adam Matthew Goldstein

Life Including Variable Annuity & Health

NPN 617663 Licensed 1996

Adam S Benson

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

NPN 3693528 Licensed 2000

Adam Sinoff

Life Including Variable Annuity & Health

NPN 17954214 Licensed 2016

Addison Groesbeck

Life Including Variable Annuity & Health

NPN 20345147 Licensed 2022

Adrian Howard Mann

Life Including Variable Annuity & Health

NPN 22164067 Licensed 2026

Adrian Sanchez

Life Including Variable Annuity & Health

NPN 20788300 Licensed 2023

Adriano Grullon Lara

Life Including Variable Annuity & Health

NPN 19188090 Licensed 2019

Agnieszka Ewa Martinez

Life Including Variable Annuity & Health

NPN 19052651 Licensed 2019

Alan A Monson

Life Including Variable Annuity & Health

NPN 21169935 Licensed 2024

Alan Emmanuel Alcantar

Life Including Variable Annuity & Health

NPN 18811996 Licensed 2018

Alan William Mielke

Life Including Variable Annuity & Health

NPN 471160 Licensed 2000

Alben A Rolon

Life Including Variable Annuity & Health

NPN 19427689 Licensed 2020

Albert Wade Ray

Life Including Variable Annuity & Health

NPN 547164 Licensed 1993

Alecia M Dupont

Life Including Variable Annuity & Health

NPN 8077234 Licensed 2016

Alena Benchova

Life Including Variable Annuity & Health

NPN 14489219 Licensed 2012

Alex Errol Mayers

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

NPN 9393784 Licensed 2010

Alexander Drake Tran

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

NPN 20862312 Licensed 2023

Alexander Fraser

Life Including Variable Annuity & Health

NPN 21505921 Licensed 2025

Alexander Hoenigmann

Life Including Variable Annuity & Health

NPN 22181281 Licensed 2026

Alexander Jimenez

Life Including Variable Annuity & Health

NPN 22154044 Licensed 2026

Alexander Joseph Sanchez

Life Including Variable Annuity & Health

NPN 19662014 Licensed 2020

Alexander L Coutras

Life Including Variable Annuity & Health

NPN 18888834 Licensed 2018

Alexander L. Marcus

Life Including Variable Annuity & Health

NPN 20076312 Licensed 2021

View all 1034 licensed universal life producers in Winter Park →

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

Official Winter Park Resources

County Orange County

Population ~29,985

Lack of insurance (18–64) 8.5%

FIPS code 1278300

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 Park rates. Start your quote request below.

FL OIR .GOV Orange County Gov Portal .GOV

3.1 84 reviews

Photos by Eléonore , Doyle Guerra , Ricardo Calovi via Google Maps

View on Google Maps

City of Winter Park

Open now · Mon 8:00 AM – 5:00 PM

(407) 599-3399

cityofwinterpark.org

401 S Park Ave, Winter Park, FL 32789, USA

Recent Reviews

Simon ★★★★★

"Seth Jewell is a hard-working, dependable guy who clearly values his family and his work. Every interaction we’ve had has been positive and professional, and it’s obvious he takes pride in what he doe…"

Starr Mackey ★★★★★

"Officer Derek serves the community of Winter Park as a fine ambassador. Tourism flourishes when retirees on motor coaches visiting Winter Park are able to park in their designated parking spot by the…"

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 Park

More Insurance Options in Winter Park, 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 Park, FL

Winter Park, FL — Your Local Producer

Licensed Universal Life Producers in Winter Park

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Winter Park 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 Park, 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 Orange County

Apopka Life Protection

Meadow Woods Financial Security

Oakland Coverage Guide

Orlando Financial Security

Orlo Vista Wealth Strategy

South Apopka Coverage Guide

Southchase Financial Security

Windermere Coverage Guide

The Winter Garden Legacy Plan

The Zellwood Legacy Plan

Clermont Wealth Strategy

Dona Vista Coverage Guide

The Eustis Legacy Plan

Fruitland Park Wealth Strategy

Groveland Wealth Strategy

Leesburg Coverage Guide

Minneola Life Protection

Montverde Life Protection

Mount Dora Wealth Strategy

Umatilla Wealth Strategy

Buena Ventura La Life Protection

Buenaventura Lakes Life Protection

Campbell Financial Security

Celebration Life Protection

Intercession Cit Life Protection

Kenansville Life Protection

The Kissimmee Legacy Plan

Saint Cloud Coverage Guide

St. Cloud Life Protection

The Yeehaw Junction Legacy Plan

Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Winter Park Resources