June Marcia Williams

Your Insurance Agent in Kissimmee, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Kissimmee, FL...

National Producer No.

17209549

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Universal Life Insurance in Kissimmee, FL

Tax-free policy loans, long-term care rider, estate planning.

Universal life insurance for Kissimmee, 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 · Kissimmee, FL

Kissimmee, FL — Your Local Producer

Hello, Kissimmee! As a fellow Floridian, I appreciate the unique character of our community here in Osceola County, from the historic downtown to the beautiful shores of Lake Tohopekaliga. My name is June Marcia Williams, and I'm a licensed insurance producer dedicated to serving my neighbors. I offer a range of personal insurance options, including Term Life, Whole Life, Final Expense, and policies for Critical Illness or Hospital Indemnity. My goal is to help you understand your choices so you can find a plan that fits your life. (NPN: 17209549, Florida License No: W840529)

Kissimmee Lakefront Park
Osceola County Courthouse
Kissimmee Gateway Airport

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Kissimmee

3565 on public record · Florida DFS · Fla. Stat. §119.01

Aareyon Munir Jones

Life Including Variable Annuity & Health

NPN 21745289 Licensed 2025

Aaron Douglas

Life Including Variable Annuity & Health

NPN 21117750 Licensed 2024

Aarti Parekh

Life Including Variable Annuity & Health

NPN 18000625 Licensed 2017

Abdelmahmoud A Abdelmahmoud

Life Including Variable Annuity & Health

NPN 21608133 Licensed 2025

Abel Gomez

Life Including Variable Annuity & Health

NPN 21396220 Licensed 2024

Abigail Marie Vasquez

Life Including Variable Annuity & Health

NPN 22066873 Licensed 2025

Abisola Adeyemo

Life Including Variable Annuity & Health

NPN 22237194 Licensed 2026

Abraham Moises Aich

Life Including Variable Annuity & Health

NPN 20602654 Licensed 2023

Abrahan Molleda Ceballos

Life Including Variable Annuity & Health

NPN 21333276 Licensed 2024

Ada Amaya-Jimenez

Life Including Variable Annuity & Health

NPN 21156877 Licensed 2024

Adainoret Urdaneta De Gimenez

Life Including Variable Annuity & Health

NPN 22161272 Licensed 2026

Adalberto Gonzalez Fernandez

Life Including Variable Annuity & Health

NPN 21210028 Licensed 2024

Adalberto Negron

Life Including Variable Annuity & Health

NPN 8478642 Licensed 2016

Adam Elijah Ramirez

Life Including Variable Annuity & Health

NPN 21605366 Licensed 2025

Adam Elyacoti

Life Including Variable Annuity & Health

NPN 20973702 Licensed 2023

Adam Salla

Life Including Variable Annuity & Health

NPN 17234849 Licensed 2024

Adekeye Odunayo Adebayo

Life Including Variable Annuity & Health

NPN 21765617 Licensed 2025

Adele Brancato

Life Including Variable Annuity & Health

NPN 21763713 Licensed 2025

Adeliz Otero

Life Including Variable Annuity & Health

NPN 17768627 Licensed 2015

Adeonin Valentin

Life Including Variable Annuity & Health

NPN 20827011 Licensed 2023

Adianez Perez

Life Including Variable Annuity & Health

NPN 11063151 Licensed 2015

Adlyn Milena Lugo

Life Including Variable Annuity & Health

NPN 12148939 Licensed 2014

Adolfo A Paulino Terrero

Life Including Variable Annuity & Health

NPN 21523543 Licensed 2025

Adoli Mironchuk

Life Including Variable Annuity & Health

NPN 18585576 Licensed 2017

View all 3565 licensed universal life producers in Kissimmee →

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

Official Kissimmee Resources

County Osceola County

Population ~78,478

Lack of insurance (18–64) 27.3%

FIPS code 1236950

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 Kissimmee rates. Start your quote request below.

FL OIR .GOV Osceola County Gov Portal .GOV

4.3 54 reviews

Photos by Michael Rivera , Alan Rosko , Roads Traveled Photography , Universo Samay via Google Maps

View on Google Maps

Kissimmee City Hall

Open now · Mon 8:00 AM – 5:00 PM

(407) 847-2821

kissimmee.gov .GOV

101 Church St, Kissimmee, FL 34741, USA

Recent Reviews

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"Gorgeous new mural painted September 2024 by Artist: Christian Stanley."

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"There needs to be more improvements with elected official. Commissioner Martinez is off to a great start and running. She has not stopped since she got elected. I can't say enough great things abou…"

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 Kissimmee

More Insurance Options in Kissimmee, 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 Kissimmee, FL

Kissimmee, FL — Your Local Producer

Licensed Universal Life Producers in Kissimmee

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Kissimmee 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 Kissimmee, 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 Kissimmee Resources