June Marcia Williams

Your Insurance Agent in Highland Beach, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Highland Beach, FL...

National Producer No.

17209549

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Business Life Insurance in Highland Beach, FL

Key person replacement, partner buyout funding, loan collateral.

Business life insurance for Highland Beach, 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 · Highland Beach, FL

Highland Beach, FL — Your Local Producer

As a resident of Palm Beach County, I understand the unique and tranquil lifestyle we cherish here in Highland Beach. From the stunning views along the Intracoastal Waterway to our quiet residential streets, it's a special place to call home. I'm June Marcia Williams, your local licensed insurance producer, and I'm dedicated to helping my neighbors protect what matters most. I can help you explore personal insurance options—from Term Life and Final Expense to Critical Illness plans—to build a financial safety net for your family. Let's connect to review your specific needs. (NPN: 17209549, Florida License No: W840529)

Highland Beach Town Hall
Highland Beach Library
Delray Sands Resort

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Highland Beach

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

Alexa Gabrielle Silver

Life Including Variable Annuity & Health

NPN 21226600 Licensed 2024

Andreas Aigner

Life Including Variable Annuity & Health

NPN 18777693 Licensed 2021

Daniel Pojoga

Life Including Variable Annuity & Health

NPN 20848568 Licensed 2023

Diane Melissa Buchman

Life Including Variable Annuity & Health

NPN 1025084 Licensed 1997

Douglas A Vogel

Life Including Variable Annuity & Health

NPN 2079145 Licensed 2018

Edward Joseph Barrett

Life Including Variable Annuity & Health

NPN 23174 Licensed 1994

Ida Lenzsch

Life Including Variable Annuity & Health

NPN 21611498 Licensed 2025

Iris W Berman

Life Including Variable Annuity & Health

NPN 2047787 Licensed 2001

Jason Wright

Life Including Variable Annuity & Health

NPN 19998763 Licensed 2021

Jeffrey Mark Buchman

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

NPN 2434338 Licensed 1999

John J Vento

Life Including Variable Annuity & Health

NPN 7027252 Licensed 2025

John Salvatore Azzara

Life Including Variable Annuity & Health

NPN 419902 Licensed 2024

Joseph J Lapietra

Life Including Variable Annuity & Health

NPN 1919537 Licensed 2020

Larry Anthony Vanollefen

Life Including Variable Annuity & Health

NPN 1993010 Licensed 2025

Michael Saul Rubinoff

Life Including Variable Annuity & Health

NPN 437899 Licensed 2021

Nicholas Daniel Zwerle

Life Including Variable Annuity & Health

NPN 20788596 Licensed 2023

Noah Michael Schiavoni

Life Including Variable Annuity & Health

NPN 22095109 Licensed 2026

Patrick John Coseglia

Life Including Variable Annuity & Health

NPN 21565287 Licensed 2025

Robert Packer

Life Including Variable Annuity & Health

NPN 16529986 Licensed 2012

Samuel Terkiel

Life Including Variable Annuity & Health

NPN 21447231 Licensed 2025

Sebastian Mark Ganguzza

Life Including Variable Annuity & Health

NPN 19756460 Licensed 2020

Thomas P Halloran

Life Including Variable Annuity & Health

NPN 20679780 Licensed 2023

Wendie Packer

Life Including Variable Annuity & Health

NPN 16742912 Licensed 2012

William Thomas Lobaugh

Life Including Variable Annuity & Health

NPN 360277 Licensed 2004

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 Highland Beach regional market. Rates are localized using regional health baselines.

Official Highland Beach Resources

County Palm Beach County

Population ~4,261

Lack of insurance (18–64) 8.9%

FIPS code 1230200

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 Highland Beach rates. Start your quote request below.

FL OIR .GOV Palm Beach County Gov Portal .GOV

Photos by Michael Hollander , mark andrichak , Alina , Eric Armijo via Google Maps

View on Google Maps

Highland Beach

ci.highland-beach.fl.us

Highland Beach, FL, USA

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.

Your Name

Phone Number

Business Name

Email Address

⚡ Call me ASAP — I want to speak with an agent as soon as possible

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✅

Consultation Request Sent!

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.

⚖️

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 Highland Beach

More Insurance Options in Highland Beach, 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

📅 Schedule a Call 💬 Get Your Quote

Business Life Insurance in Highland Beach, FL

Highland Beach, FL — Your Local Producer

Licensed Business Life Producers in Highland Beach

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Highland Beach 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 Highland Beach, 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 Highland Beach Resources