June Marcia Williams

Your Insurance Agent in Kenneth City, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Kenneth City, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Kenneth City, FL

Coverage based on revenue, key person income, and loan balance.

Business life insurance for Kenneth City, 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 · Kenneth City, FL

Kenneth City, FL — Your Local Producer

Hello, Kenneth City! As a fellow Floridian, I appreciate the unique charm of our Pinellas County communities. Life here has its own rhythm, and having the right financial protection can help you enjoy it with greater peace of mind. As a licensed insurance producer, I help my neighbors navigate their options for life insurance, final expense, and other personal coverage. My goal is to provide clear, straightforward information so you can make confident decisions for your family's future. If you're looking for a local professional to discuss your needs, I'm here to help. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Kenneth City Town Hall
James P. Ernst Park
Intersection of 54th Ave N and 66th St N

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Kenneth City

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

Alex Munguia

Life Including Variable Annuity & Health

NPN 20382573 Licensed 2022

Alexandra Levannah Starn

Life Including Variable Annuity & Health

NPN 20220088 Licensed 2022

Alisha Pamela Dock

Life Including Variable Annuity & Health

NPN 20185530 Licensed 2021

Carlos Flores

Life Including Variable Annuity & Health

NPN 20813806 Licensed 2023

Charles Michael Hasty

Life Including Variable Annuity & Health

NPN 5024426 Licensed 2020

Chris John Kito

Life Including Variable Annuity & Health

NPN 19085004 Licensed 2025

Cynthia Kay Bishop

Life Including Variable Annuity & Health

NPN 20269027 Licensed 2022

David L Clark

Life Including Variable Annuity & Health

NPN 19900365 Licensed 2024

Devon Lennox Lamont

Life Including Variable Annuity & Health

NPN 22093855 Licensed 2026

Jody Janette Barton

Life Including Variable Annuity & Health

NPN 19573912 Licensed 2020

Maria Gabriela Perrone

Life Including Variable Annuity & Health

NPN 17223565 Licensed 2014

Marquasia Unique Bennett

Life Including Variable Annuity & Health

NPN 21480287 Licensed 2025

Mia Viancar Flores

Life Including Variable Annuity & Health

NPN 20610539 Licensed 2023

Michael J Otto

Life Including Variable Annuity & Health

NPN 18566411 Licensed 2025

Noah Frederique

Life Including Variable Annuity & Health

NPN 20807925 Licensed 2023

Ralph E Swenson

Life Including Variable Annuity & Health

NPN 21113605 Licensed 2024

Saije Buck

Life Including Variable Annuity & Health

NPN 20513077 Licensed 2022

Tammy Kaplan

Life Including Variable Annuity & Health

NPN 21363749 Licensed 2024

Terry William Stables

Life Including Variable Annuity & Health

NPN 21345181 Licensed 2024

Tiffany Stidham

Life Including Variable Annuity & Health

NPN 21146562 Licensed 2024

Yenima Ortega Morales

Life Including Variable Annuity & Health

NPN 21441632 Licensed 2025

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 Kenneth City regional market. Rates are localized using regional health baselines.

Official Kenneth City Resources

County Pinellas County

Population Data Pending

Lack of insurance (18–64) 14.7%

FIPS code 1236175

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 Kenneth City rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

3.7 3 reviews

Photos by EtownStickly , Wendy Stevens via Google Maps

View on Google Maps

Kenneth City Town Hall

(727) 498-8948

kennethcityfl.org

6000 54th Ave N, Kenneth City, FL 33709, USA

Recent Reviews

Samantha Eddings ★☆☆☆☆

"Y'all gotta check your police officers, cus tell me why my boyfriend got a ticket from a cop who tailgated him for a mile then pulled him over for running a red light he didn't run??(At the end of the…"

Eric Reynaldo Afonso ★★★★★

"Ok"

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 Kenneth City

More Insurance Options in Kenneth City, 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 Kenneth City, FL

Kenneth City, FL — Your Local Producer

Licensed Business Life Producers in Kenneth City

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Kenneth City 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 Kenneth City, 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

Clearwater Financial Security

The Dunedin Legacy Plan

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 Kenneth City Resources