June Marcia Williams

Your Insurance Agent in Belle Glade, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Belle Glade, FL...

National Producer No.

17209549

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Business Life Insurance in Belle Glade, FL

June Williams — buy-sell agreements, SBA loan coverage, succession planning.

Business life insurance for Belle Glade, 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 · Belle Glade, FL

Belle Glade, FL — Your Local Producer

Hello, Belle Glade! As a resident of our unique corner of Palm Beach County, you know the value of hard work and looking out for one another. It's in that same spirit that I offer my services as your local licensed insurance producer. My goal is to help you and your family find the right protection, whether it's Term Life, Whole Life, Final Expense, or plans for Critical Illness and Hospital Indemnity. I'm here to help you navigate your options and secure peace of mind for the future. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Belle Glade City Hall
Glades Central Community High School
Lawrence E. Will Museum of the Glades

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Belle Glade

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

Alexander Ivan Berrios

Life Including Variable Annuity & Health

NPN 10825554 Licensed 2020

Angelette Green

Life Including Variable Annuity & Health

NPN 10041137 Licensed 2021

Ashlee Therese Hodges

Life Including Variable Annuity & Health

NPN 19340824 Licensed 2019

Astrid Sologaistoa

Life Including Variable Annuity & Health

NPN 21549478 Licensed 2025

Darial Devon Smith

Life Including Variable Annuity & Health

NPN 13813411 Licensed 2025

Deandre Letavis Taylor

Life Including Variable Annuity & Health

NPN 21771109 Licensed 2025

Edaysha Bland

Life Including Variable Annuity & Health

NPN 21774904 Licensed 2025

Ellisia Canty

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

NPN 20132731 Licensed 2021

Frantz Roseme

Life Including Variable Annuity & Health

NPN 20435011 Licensed 2022

Freddy Francisco Ruiz

Life Including Variable Annuity & Health

NPN 21063885 Licensed 2024

Gisel Marie Rodriguez

Life Including Variable Annuity & Health

NPN 22055262 Licensed 2025

Gloriana Arrieta Barquero

Life Including Variable Annuity & Health

NPN 20883771 Licensed 2023

Iory Silva

Life Including Variable Annuity & Health

NPN 21697541 Licensed 2025

James David Meeks

Life Including Variable Annuity & Health

NPN 499076 Licensed 2006

Jeffrey Alan Hooker

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

NPN 452072 Licensed 1988

Jennifer Elizabeth Lutfey

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

NPN 8785092 Licensed 2018

Jennifer N Ruiz

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

NPN 1337275 Licensed 2015

Kathleen Harrigan

Life Including Variable Annuity & Health

NPN 20443215 Licensed 2022

Kiljuana Crawford

Life Including Variable Annuity & Health

NPN 18582250 Licensed 2017

Larry Dunnon

Life Including Variable Annuity & Health

NPN 19204270 Licensed 2019

Lindsey Lee Hall

Life Including Variable Annuity & Health

NPN 20088541 Licensed 2021

Liz Johanna Bernal

Life Including Variable Annuity & Health

NPN 21638529 Licensed 2025

Mary A Rangel

Life Including Variable Annuity & Health

NPN 5333232 Licensed 2002

Michael Antonio Johnson

Life Including Variable Annuity & Health

NPN 1024797 Licensed 2023

View all 35 licensed business life producers in Belle Glade →

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 Belle Glade regional market. Rates are localized using regional health baselines.

Official Belle Glade Resources

County Palm Beach County

Population ~16,896

Lack of insurance (18–64) 26.7%

FIPS code 1205200

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 Belle Glade rates. Start your quote request below.

FL OIR .GOV Palm Beach County Gov Portal .GOV

5.0 1 review

Photos by Jeff Locke , Herve Andrieu , Herve Andrieu , DaneilTiti Titi via Google Maps

View on Google Maps

Belle Glade City Manager

Open now · Mon 7:30 AM – 6:30 PM

(561) 996-0100

bellegladegov.com

110 Dr M.L.K. Jr Blvd W, Belle Glade, FL 33430, USA

Recent Reviews

Constance Chastine ★★★★★

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.

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Phone Number

Business Name

Email Address

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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.

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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 Belle Glade

More Insurance Options in Belle Glade, 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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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

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Business Life Insurance in Belle Glade, FL

Belle Glade, FL — Your Local Producer

Licensed Business Life Producers in Belle Glade

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Belle Glade 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 Belle Glade, 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 Belle Glade Resources