June Marcia Williams

Your Insurance Agent in Clearwater, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Clearwater, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Clearwater, FL

June Williams — buy-sell agreements, SBA loan coverage, succession planning.

Business life insurance for Clearwater, 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 · Clearwater, FL

Clearwater, FL — Your Local Producer

Hello, Clearwater! As a fellow Floridian, I know how much we value the unique coastal lifestyle here in Pinellas County, from our stunning beaches to our vibrant community spirit. It's a special place to build a life and protect what matters most. As a licensed insurance producer, my goal is to help my Clearwater neighbors find peace of mind. I offer personal guidance on a range of insurance options, including Term Life, Final Expense, and Critical Illness plans, tailored to your specific needs. Let's work together to secure your family's future. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Coachman Park
Pier 60
Clearwater Main Library

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Clearwater

2980 on public record · Florida DFS · Fla. Stat. §119.01

Aaron C Kizer

Life Including Variable Annuity & Health

NPN 19311284 Licensed 2019

Aaron Johnston

Life Including Variable Annuity & Health

NPN 21001178 Licensed 2023

Aaron L Modugno

Life Including Variable Annuity & Health

NPN 19199055 Licensed 2019

Aaron Michael Vanhorenbeck

Life Including Variable Annuity & Health

NPN 19017274 Licensed 2019

Aaron Willett

Life Including Variable Annuity & Health

NPN 18376531 Licensed 2026

Abbey Bouchard Center

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

NPN 18577308 Licensed 2017

Abbigail Leah Pedalino

Life Including Variable Annuity & Health

NPN 21325960 Licensed 2024

Abbigale Lockward

Life Including Variable Annuity & Health

NPN 8967509 Licensed 2007

Abigail Gonzalez

Life Including Variable Annuity & Health

NPN 19685782 Licensed 2020

Abraham Todd Winstin

Life Including Variable Annuity & Health

NPN 20430099 Licensed 2022

Adam James Bouchard

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

NPN 8299658 Licensed 2005

Adam James Spath

Life Including Variable Annuity & Health

NPN 18051975 Licensed 2016

Adam Parks

Life Including Variable Annuity & Health

NPN 2176952 Licensed 2016

Adam Skonicki

Life Including Variable Annuity & Health

NPN 17455233 Licensed 2014

Adam Trevor Warfield

Life Including Variable Annuity & Health

NPN 20479030 Licensed 2022

Adanakai Wheeler

Life Including Variable Annuity & Health

NPN 20393920 Licensed 2022

Adelia Clarice Bennett

Life Including Variable Annuity & Health

NPN 19405209 Licensed 2020

Adham Makki

Life Including Variable Annuity & Health

NPN 22241871 Licensed 2026

Admira Mrakovic

Life Including Variable Annuity & Health

NPN 17965755 Licensed 2016

Adream Jones

Life Including Variable Annuity & Health

NPN 20610564 Licensed 2023

Adrian Hoegg

Life Including Variable Annuity & Health

NPN 19601480 Licensed 2020

Adrian Minxolli

Life Including Variable Annuity & Health

NPN 20547917 Licensed 2022

Adrian Pitrade Head

Life Including Variable Annuity & Health

NPN 20754952 Licensed 2023

Adriana Cecilia Reyes Cardenas

Life Including Variable Annuity & Health

NPN 21283553 Licensed 2024

View all 2980 licensed business life producers in Clearwater →

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

Official Clearwater Resources

County Pinellas County

Population ~116,984

Lack of insurance (18–64) 17.3%

FIPS code 1212875

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 Clearwater rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

2.2 32 reviews

City of Clearwater Municipal Services Building photo 1

City of Clearwater Municipal Services Building photo 2

City of Clearwater Municipal Services Building photo 3

Photos by Maria Alley , Bartolomeo Gorgoglione , Bartolomeo Gorgoglione via Google Maps

View on Google Maps

City of Clearwater Municipal Services Building

Open now · Mon 8:00 AM – 5:00 PM

(727) 562-4600

myclearwater.com

100 S Myrtle Ave, Clearwater, FL 33756, USA

Recent Reviews

maria nenos-politis ★☆☆☆☆

"The online services ridiculous. Calling the department and trying to get anything done cost you money. The phone system is a long and involved process which carries needing to give a social security n…"

Claire Mae Elizabeth Grange ★★★★☆

"They annually provide each household a couple free young trees to choose from their wonderful selection and freshly plant. I appreciate people can build a lush yard over time. I wish people would be m…"

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

Your info is secure · Never shared · June responds within 30 min

✅

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 Clearwater

More Insurance Options in Clearwater, 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

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

Business Life Insurance in Clearwater, FL

Clearwater, FL — Your Local Producer

Licensed Business Life Producers in Clearwater

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Clearwater 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 Clearwater, 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?

Also Serving Pinellas County

Belleair Bluffs Financial Security

The Dunedin Legacy Plan

Harbor Bluffs Life Protection

Largo Financial Security

Madeira Beach Life Protection

Pinellas Park Life Protection

Saint Petersburg Life Protection

St. Pete Beach Coverage Guide

St. Petersburg Life Protection

Treasure Island Life Protection

Anna Maria Life Protection

The Bayshore Gardens Legacy Plan

Braden River Life Protection

Bradenton Life Protection

Bradenton Beach Wealth Strategy

College Plaza Coverage Guide

The Holmes Beach Legacy Plan

The Palmetto Legacy Plan

Terra Ceia Financial Security

West Bradenton Financial Security

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

Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Clearwater Resources