June Marcia Williams

Your Insurance Agent in New Port Richey, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing New Port Richey, FL...

National Producer No.

17209549

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Business Life Insurance in New Port Richey, FL

Key person replacement, partner buyout funding, loan collateral.

Business life insurance for New Port Richey, 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 · New Port Richey, FL

New Port Richey, FL — Your Local Producer

For my neighbors in New Port Richey, I understand that our unique Pasco County lifestyle deserves equally unique financial protection. Whether you're enjoying a day on the water or spending time with family, having the right life insurance plan brings invaluable peace of mind. I'm June Marcia Williams, and I specialize in helping individuals and families find coverage that fits their specific needs, from Term and Whole Life to Final Expense and Critical Illness plans. My focus is on providing clear, straightforward guidance so you can make informed decisions for your loved ones. As your local licensed producer (NPN: 17209549, Florida License No: W840529), I'm committed to serving our community.

Sims Park
Richey Suncoast Theatre
New Port Richey Public Library

NPN17209549FL LicenseW840529

Licensed Business Life Producers in New Port Richey

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

Aaron Gabriel Sweeney

Life Including Variable Annuity & Health

NPN 22213986 Licensed 2026

Abanob Gerges

Life Including Variable Annuity & Health

NPN 20377109 Licensed 2022

Abdiel Samuel Quiles

Life Including Variable Annuity & Health

NPN 21597639 Licensed 2025

Ada Louise Jacobs

Life Including Variable Annuity & Health

NPN 20631147 Licensed 2023

Adalberto Torres Reyes

Life Including Variable Annuity & Health

NPN 20164680 Licensed 2021

Adam Johnson

Life Including Variable Annuity & Health

NPN 20034171 Licensed 2021

Aidan James Wood

Life Including Variable Annuity & Health

NPN 21694264 Licensed 2025

Alan Judson Hershberger

Life Including Variable Annuity & Health

NPN 542449 Licensed 1987

Alathium Finchum

Life Including Variable Annuity & Health

NPN 20679247 Licensed 2023

Aleah Parker

Life Including Variable Annuity & Health

NPN 20831918 Licensed 2023

Aleksandr Kuzmin

Life Including Variable Annuity & Health

NPN 17000465 Licensed 2024

Alex Gabriel Papadopoulos

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

NPN 20652602 Licensed 2023

Alexander Ficarro

Life Including Variable Annuity & Health

NPN 19224896 Licensed 2019

Alexander Frank Rascionato

Life Including Variable Annuity & Health

NPN 8919336 Licensed 2006

Alexander John Hrica

Life Including Variable Annuity & Health

NPN 20692654 Licensed 2023

Alexander Michael Oremland

Life Including Variable Annuity & Health

NPN 20034546 Licensed 2021

Alexander Richard Modglin

Life Including Variable Annuity & Health

NPN 8201093 Licensed 2004

Alexandra Oroz

Life Including Variable Annuity & Health

NPN 21263312 Licensed 2024

Alexandra Wandelt

Life Including Variable Annuity & Health

NPN 21645027 Licensed 2025

Alexandria Susann Kelly

Life Including Variable Annuity & Health

NPN 17061535 Licensed 2013

Alexis Sierra Keener

Life Including Variable Annuity & Health

NPN 21066915 Licensed 2024

Alfonso Restuccia

Life Including Variable Annuity & Health

NPN 21374668 Licensed 2024

Alfred D'Amore

Life Including Variable Annuity & Health

NPN 22145192 Licensed 2026

Allan Martin Cruickshank

Life Including Variable Annuity & Health

NPN 1018676 Licensed 2003

View all 900 licensed business life producers in New Port Richey →

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 New Port Richey regional market. Rates are localized using regional health baselines.

Official New Port Richey Resources

County Pasco County

Population ~16,742

Lack of insurance (18–64) 15.4%

FIPS code 1248500

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 New Port Richey rates. Start your quote request below.

FL OIR .GOV Pasco County Gov Portal .GOV

2.6 45 reviews

Photos by Steve Hodges , EtownStickly , Benjamin Ferguson , Anthony Kneifer via Google Maps

View on Google Maps

City of New Port Richey

Open now · Mon 8:00 AM – 5:00 PM

(727) 853-1016

cityofnewportrichey.org

5919 Main St, New Port Richey, FL 34652, USA

Recent Reviews

Jane Mazzone ★★★★★

"Tammy in Building department is always very helpful; knowledgeable and easy to deal with. Michael (an inspector) is also knowledgeable and offered us great feedback. Always upbeat and thorough.. Work…"

S ★☆☆☆☆

"Worst city to deal with on any level. The water is so hard and so gross to drink. If you don't have filters on your sink or shower head it literally eats through the ceramic tiles and toilet bowl afte…"

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 New Port Richey

More Insurance Options in New Port Richey, 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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Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Business Life Insurance in New Port Richey, FL

New Port Richey, FL — Your Local Producer

Licensed Business Life Producers in New Port Richey

🏢 Business Life Insurance Underwriting Scope

🏛️ Official New Port Richey 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 New Port Richey, 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 New Port Richey Resources