June Marcia Williams

Your Insurance Agent in Palm Beach Gardens, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Palm Beach Gardens, FL...

National Producer No.

17209549

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Universal Life Insurance in Palm Beach Gardens, FL

Flexible premiums, S&P 500-linked returns, 0% floor.

Universal life insurance for Palm Beach Gardens, 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 · Palm Beach Gardens, FL

Palm Beach Gardens, FL — Your Local Producer

Hello to my neighbors in Palm Beach Gardens! Living here in Palm Beach County, with its unique blend of lush nature and vibrant community life, is something special. My name is June Marcia Williams, and as a licensed insurance producer, I'm committed to helping local families and individuals protect their financial well-being. I provide personalized guidance on a variety of plans, including Term Life, Whole Life, Final Expense, and Critical Illness insurance. My goal is to help you understand your options and build a secure future for the people you care about most. (NPN: 17209549, Florida License No: W840529)

The Gardens Mall
PGA National Resort & Spa
Downtown at the Gardens

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Palm Beach Gardens

1461 on public record · Florida DFS · Fla. Stat. §119.01

Aaron Hunter Vincent

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

NPN 21047167 Licensed 2024

Aaron Jah-Son Innocent

Life Including Variable Annuity & Health

NPN 21501687 Licensed 2025

Aaron Joseph Katz

Life Including Variable Annuity & Health

NPN 22212578 Licensed 2026

Aaron M Shelby

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

NPN 8197720 Licensed 2004

Adam Gurien

Life Including Variable Annuity & Health

NPN 390354 Licensed 2021

Adam Jorgensen

Life Including Variable Annuity & Health

NPN 11513759 Licensed 2008

Adam Michael Stern

Life Including Variable Annuity & Health

NPN 22256701 Licensed 2026

Adam Morton-Charles Speiller

Life Including Variable Annuity & Health

NPN 22114423 Licensed 2026

Adam Richard Tau

Life Including Variable Annuity & Health

NPN 16865667 Licensed 2025

Adam Ross Moldof

Life Including Variable Annuity & Health

NPN 503585 Licensed 1996

Adrian Davis De Montluzin

Life Including Variable Annuity & Health

NPN 561505 Licensed 1994

Adriana Hincapie

Life Including Variable Annuity & Health

NPN 20407100 Licensed 2022

Aidan Cole Rosand

Life Including Variable Annuity & Health

NPN 22215649 Licensed 2026

Aileen Maxwell

Life Including Variable Annuity & Health

NPN 20573924 Licensed 2022

Alan Arturo Mijes

Life Including Variable Annuity & Health

NPN 16649616 Licensed 2022

Alan Grant Morris

Life Including Variable Annuity & Health

NPN 16751491 Licensed 2012

Alan Jay Gladstone

Life Including Variable Annuity & Health

NPN 3278458 Licensed 2024

Alan Paul Neese

Life Including Variable Annuity & Health

NPN 565560 Licensed 1990

Albert B Marino

Life Including Variable Annuity & Health

NPN 3130337 Licensed 2023

Albert Calero

Life Including Variable Annuity & Health

NPN 18649541 Licensed 2025

Alejandra Mendez

Life Including Variable Annuity & Health

NPN 16848174 Licensed 2012

Alejandro Villasuso

Life Including Variable Annuity & Health

NPN 16706152 Licensed 2012

Alex Francisco Sans

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

NPN 8523677 Licensed 2010

Alexander Francis Mckendry

Life Including Variable Annuity & Health

NPN 20494339 Licensed 2024

View all 1461 licensed universal life producers in Palm Beach Gardens →

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 Palm Beach Gardens regional market. Rates are localized using regional health baselines.

Official Palm Beach Gardens Resources

County Palm Beach County

Population ~59,088

Lack of insurance (18–64) 8.3%

FIPS code 1254075

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 Palm Beach Gardens rates. Start your quote request below.

FL OIR .GOV Palm Beach County Gov Portal .GOV

4.0 62 reviews

City of Palm Beach Gardens City Hall photo 1

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City of Palm Beach Gardens City Hall photo 3

City of Palm Beach Gardens City Hall photo 4

Photos by Gaming with Rapha and Mäÿä Yay , walter castro , Candice Meidecen , City of Palm Beach Gardens City Hall via Google Maps

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City of Palm Beach Gardens City Hall

Open now · Mon 8:00 AM – 5:00 PM

(561) 799-4100

pbgfl.com

10500 N Military Trl, Palm Beach Gardens, FL 33410, USA

Recent Reviews

william Nicholson ★☆☆☆☆

"The mayor should take a look at the police the citizens pay to protect them. They have countless complaints of illegal detaining people for no crimes. The police chief is going to be reported to the g…"

James Schlucter ★☆☆☆☆

"Can’t play basketball at the public park this morning because the city shut down the park for the golf tournament. Two guys in front of me walking home beause they were told they could not play disc …"

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.

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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 Palm Beach Gardens

More Insurance Options in Palm Beach Gardens, 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 Palm Beach Gardens, FL

Palm Beach Gardens, FL — Your Local Producer

Licensed Universal Life Producers in Palm Beach Gardens

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Palm Beach Gardens 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 Palm Beach Gardens, 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 Palm Beach Gardens Resources