June Marcia Williams

Your Insurance Agent in Celebration, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Celebration, FL...

National Producer No.

17209549

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Universal Life Insurance in Celebration, FL

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

Universal life insurance for Celebration, 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 · Celebration, FL

Celebration, FL — Your Local Producer

Hello, Celebration! As a fellow resident of the greater Osceola County area, I admire the unique, picture-perfect community you've built, with its distinct architecture and strong neighborhood bonds. It’s a place where planning for a beautiful future is part of the local character. As your local licensed insurance producer, I'm here to help you protect that future. I offer personalized guidance on a range of options, including Term Life, Whole Life, and Final Expense policies, to help secure your family's financial well-being. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Celebration Town Center
Lakeside Park
Celebration Golf Club

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Celebration

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

Aiden Allin Searcy

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

NPN 19921744 Licensed 2021

Alicia Lee Aylesworth

Life Including Variable Annuity & Health

NPN 20575767 Licensed 2023

Angela Nicole Achon

Life Including Variable Annuity & Health

NPN 18036949 Licensed 2016

Antonio Saulo Coffani Nunes

Life Including Variable Annuity & Health

NPN 21298344 Licensed 2024

Bianca Ciccone

Life Including Variable Annuity & Health

NPN 22204602 Licensed 2026

Brian Schmidt Carlson

Life Including Variable Annuity & Health

NPN 21184801 Licensed 2024

Carlos Miguel Pacheco Delgado

Life Including Variable Annuity & Health

NPN 20549363 Licensed 2022

Carmen Alicia Quintero

Life Including Variable Annuity & Health

NPN 18577377 Licensed 2017

Christopher Charles Melissinos

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

NPN 16514520 Licensed 2012

Claudia Allen

Life Including Variable Annuity & Health

NPN 22123506 Licensed 2026

Clayton Morley Griswold

Life Including Variable Annuity & Health

NPN 21049486 Licensed 2024

Cristian Valbuena

Life Including Variable Annuity & Health

NPN 19288108 Licensed 2019

Cuilian Li

Life Including Variable Annuity & Health

NPN 18913764 Licensed 2018

Daniel Crabb

Life Including Variable Annuity & Health

NPN 19288069 Licensed 2019

Daniel Orestes Marrero

Life Including Variable Annuity & Health

NPN 17900635 Licensed 2016

David Wood Murchison

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

NPN 9448930 Licensed 2007

Duane Alan Slater

Life Including Variable Annuity & Health

NPN 21607692 Licensed 2025

Edgar Arvelo

Life Including Variable Annuity & Health

NPN 613498 Licensed 1994

Else M Kapusta

Life Including Variable Annuity & Health

NPN 19199091 Licensed 2019

Erica Ashlynd Reid

Life Including Variable Annuity & Health

NPN 21407556 Licensed 2024

Erica Lynn Duran

Life Including Variable Annuity & Health

NPN 8315563 Licensed 2021

Ethan Cook

Life Including Variable Annuity & Health

NPN 21687360 Licensed 2025

Frederick William Scholz

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

NPN 16826679 Licensed 2021

Garrett Duane Volkmer

Life Including Variable Annuity & Health

NPN 19929521 Licensed 2021

View all 81 licensed universal life producers in Celebration →

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

Official Celebration Resources

County Osceola County

Population ~12,030

Lack of insurance (18–64) 12.6%

FIPS code 1211285

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 Celebration rates. Start your quote request below.

FL OIR .GOV Osceola County Gov Portal .GOV

4.5 115 reviews

Photos by David Herszenson , Sergio Marini , Angelo Barros Ferreira , Troy Gamble via Google Maps

View on Google Maps

Celebration Town Hall

(407) 566-1200

celebration.fl.us

851 Celebration Ave, Kissimmee, FL 34747, USA

Recent Reviews

Michelle Pascua ★★★★★

"The classes offered by Lifelong are held at the Town Hall and have been fun and interesting. The small amount of times I’ve had to speak to the staff of the Town Hall have been pleasant, there wasn’t …"

J Lenaway ★★★☆☆

"The facility itself is very nice, but lately, maintenance has been an issue. The air conditioning has not worked while our group has been there for several months, even after repeated requests to 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.

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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.

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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 Celebration

More Insurance Options in Celebration, 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 Celebration, FL

Celebration, FL — Your Local Producer

Licensed Universal Life Producers in Celebration

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Celebration 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 Celebration, 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 Celebration Resources