June Marcia Williams

Your Insurance Agent in Zephyrhills, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Zephyrhills, FL...

National Producer No.

17209549

Verify ↗

Universal Life Insurance in Zephyrhills, FL

June Williams — NPN 17209549. Cash accumulation and retirement planning.

Universal life insurance for Zephyrhills, 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 · Zephyrhills, FL

Zephyrhills, FL — Your Local Producer

Hello, Zephyrhills! As a resident of the greater Pasco County area, I appreciate the unique community spirit we share here in the 'City of Pure Water.' Protecting your family's future is one of the most important things you can do, and I'm here to help you navigate the options. My name is June Marcia Williams, and as a licensed insurance producer, I specialize in personal plans like Term Life, Whole Life, Final Expense, and Critical Illness coverage. I'm dedicated to helping my Zephyrhills neighbors find the right protection for their specific needs and budget. (NPN: 17209549, Florida License No: W840529)

Zephyr Park
Zephyrhills City Hall
Zephyrhills High School

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Zephyrhills

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

Aaron Coleman

Life Including Variable Annuity & Health

NPN 5706007 Licensed 2022

Abigail Elisabeth Fleming

Life Including Variable Annuity & Health

NPN 20126340 Licensed 2021

Abriannah Yann

Life Including Variable Annuity & Health

NPN 21783978 Licensed 2025

Adriane Danielle Coles

Life Including Variable Annuity & Health

NPN 17365620 Licensed 2019

Adriangely Gomez Avila

Life Including Variable Annuity & Health

NPN 20794751 Licensed 2023

Al-Tariq Bello

Life Including Variable Annuity & Health

NPN 21630781 Licensed 2025

Alanis Nicole Gonzalez Oliveras

Life Including Variable Annuity & Health

NPN 20476498 Licensed 2023

Alejandrina Guerrero

Life Including Variable Annuity & Health

NPN 8835809 Licensed 2008

Alejandro Rafael Cabrera

Life Including Variable Annuity & Health

NPN 18407603 Licensed 2017

Alexander W Preusch

Life Including Variable Annuity & Health

NPN 21631719 Licensed 2025

Alexandra Ruth Johnson

Life Including Variable Annuity & Health

NPN 19846873 Licensed 2021

Alice Ione Rogers

Life Including Variable Annuity & Health

NPN 18519085 Licensed 2017

Alice Pereira Mendes Corsino

Life Including Variable Annuity & Health

NPN 22103856 Licensed 2026

Alicia Canty Edwards-Bowman

Life Including Variable Annuity & Health

NPN 20295484 Licensed 2022

Alicia Edwards

Life Including Variable Annuity & Health

NPN 20049492 Licensed 2021

Alicia Lovett

Life Including Variable Annuity & Health

NPN 20469171 Licensed 2022

Amanda Capehart

Life Including Variable Annuity & Health

NPN 20036138 Licensed 2021

Amanda Ward

Life Including Variable Annuity & Health

NPN 18497728 Licensed 2019

Amber Deanne Endy

Life Including Variable Annuity & Health

NPN 19656940 Licensed 2020

Ammar Jaber

Life Including Variable Annuity & Health

NPN 22123562 Licensed 2026

Amy Elizabeth Whitfield

Life Including Variable Annuity & Health

NPN 8498316 Licensed 2005

Amy Schmocker

Life Including Variable Annuity & Health

NPN 21226493 Licensed 2024

Ana Marie Martinez

Life Including Variable Annuity & Health

NPN 2128169 Licensed 2025

Andrea Castillo

Life Including Variable Annuity & Health

NPN 20775968 Licensed 2023

View all 421 licensed universal life producers in Zephyrhills →

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 Zephyrhills regional market. Rates are localized using regional health baselines.

Official Zephyrhills Resources

County Pasco County

Population ~17,575

Lack of insurance (18–64) 16.0%

FIPS code 1279225

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 Zephyrhills rates. Start your quote request below.

FL OIR .GOV Pasco County Gov Portal .GOV

4.2 18 reviews

Photos by F3 Steve McQueen , Donald Rice , Adam Suliman , Mike Harber via Google Maps

View on Google Maps

Zephyrhills City Hall

(813) 780-0000

ci.zephyrhills.fl.us

5335 8th St 2nd Floor, Zephyrhills, FL 33542, USA

Recent Reviews

Mike “Mr. Mike” Jones ★★★★★

"Professional, outstanding, caring and respectful! This is the way the government that serve the people should be ran assistant city clerk, Eileen was an example of efficiency and kindness. Thank you s…"

Martin Asua ★☆☆☆☆

"The city of Zephyrhills, FL really sucks. I've had some financial problems this month. Anyway my water service got interrupted. So I go down to pay the bill. I get there at 3:28. And pay the bill. The…"

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.

💰

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 Zephyrhills

More Insurance Options in Zephyrhills, 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 Zephyrhills, FL

Zephyrhills, FL — Your Local Producer

Licensed Universal Life Producers in Zephyrhills

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Zephyrhills 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 Zephyrhills, 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?

Also Serving Pasco County

Beacon Square Life Protection

The Dade City Legacy Plan

New Port Richey Coverage Guide

New Port Richey East Coverage Guide

San Antonio Life Protection

St. Leo Life Protection

Wesley Chapel Wealth Strategy

Zephyrhills North Coverage Guide

Zephyrhills South Wealth Strategy

Zephyrhills West Wealth Strategy

The Bayport Legacy Plan

Brookridge Financial Security

The Brooksville Legacy Plan

The Masaryktown Legacy Plan

The Nobleton Legacy Plan

North Brooksville Wealth Strategy

Ridge Manor West Coverage Guide

Spring Hill Coverage Guide

Timber Pines Coverage Guide

Weeki Wachee Financial Security

The Apollo Beach Legacy Plan

Brandon Coverage Guide

Carrollwood Coverage Guide

Dover Coverage Guide

The Gibsonton Legacy Plan

Lithia Wealth Strategy

Pebble Creek Financial Security

Plant City Wealth Strategy

Tampa Wealth Strategy

Temple Terrace Coverage Guide

Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Zephyrhills Resources