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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Universal Life Insurance in Highland Beach, FL

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

Universal life insurance for Highland Beach, 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 · 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 Universal 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.

Universal Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Universal 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 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.

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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 Highland Beach

More Insurance Options in Highland Beach, 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 Highland Beach, FL

Highland Beach, FL — Your Local Producer

Licensed Universal Life Producers in Highland Beach

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Highland Beach 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 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

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 Highland Beach Resources