June Marcia Williams

Your Insurance Agent in Oldsmar, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Oldsmar, FL...

National Producer No.

17209549

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Business Life Insurance in Oldsmar, FL

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

Business life insurance for Oldsmar, 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 · Oldsmar, FL

Oldsmar, FL — Your Local Producer

Hello Oldsmar! I love the unique charm of our city, from the beautiful waterfront views to the strong sense of community that makes Pinellas County special. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to serving my neighbors right here in Florida. I help individuals and families explore their options for personal insurance, including Term Life, Whole Life, Final Expense, and other supplemental plans. My focus is on providing clear information so you can feel confident in the choices you make to protect your loved ones. (NPN: 17209549, Florida License No: W840529)

R.E. Olds Park
Oldsmar Public Library
Oldsmar City Hall

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Oldsmar

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

Aaron Lee Malarick

Life Including Variable Annuity & Health

NPN 20136730 Licensed 2021

Alejandra Mena

Life Including Variable Annuity & Health

NPN 20141140 Licensed 2021

Alexander Edward Mairano

Life Including Variable Annuity & Health

NPN 14895234 Licensed 2009

Alexander Roybal

Life Including Variable Annuity & Health

NPN 20698720 Licensed 2023

Alfonso Guillermo Vargas-Boggiano

Life Including Variable Annuity & Health

NPN 21697144 Licensed 2025

Alison Elizabeth Painter

Life Including Variable Annuity & Health

NPN 1430763 Licensed 1998

Amir Chamlati

Life Including Variable Annuity & Health

NPN 21363819 Licensed 2024

Amy Elaine Reimann

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

NPN 1465389 Licensed 1997

Andrew Hunter Bateman

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

NPN 21552471 Licensed 2025

Angela Fuhler

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

NPN 17276548 Licensed 2015

Anislei Rodriguez

Life Including Variable Annuity & Health

NPN 20654980 Licensed 2023

Athanasios Tomaras

Life Including Variable Annuity & Health

NPN 4598501 Licensed 2001

Austin James Partee

Life Including Variable Annuity & Health

NPN 20379982 Licensed 2022

Austin James Reimann

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

NPN 19801599 Licensed 2022

Austin Wade Hildreth

Life Including Variable Annuity & Health

NPN 21495986 Licensed 2025

Avery Tennant Tacea

Life Including Variable Annuity & Health

NPN 18850797 Licensed 2018

Avery Von Thaden

Life Including Variable Annuity & Health

NPN 21682682 Licensed 2025

Beatrice Ortiz

Life Including Variable Annuity & Health

NPN 3745277 Licensed 2000

Brian Daniel Martinov

Life Including Variable Annuity & Health

NPN 20611509 Licensed 2023

Brian Mclaughlin

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

NPN 430720 Licensed 1991

Bryant Edward Black

Life Including Variable Annuity & Health

NPN 21348679 Licensed 2024

Carlos Andres Requena

Life Including Variable Annuity & Health

NPN 21007749 Licensed 2023

Carlos Cortez

Life Including Variable Annuity & Health

NPN 10176670 Licensed 2009

Carlos R Canto

Life Including Variable Annuity & Health

NPN 15904486 Licensed 2010

View all 215 licensed business life producers in Oldsmar →

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

Official Oldsmar Resources

County Pinellas County

Population ~14,877

Lack of insurance (18–64) 10.6%

FIPS code 1251350

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 Oldsmar rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

3.2 10 reviews

City of Oldsmar, FL - Government photo 1

City of Oldsmar, FL - Government photo 2

Photos by F3 Steve McQueen , Steven Ryder via Google Maps

View on Google Maps

City of Oldsmar, FL - Government

Open now · Mon 8:00 AM – 5:00 PM

(813) 749-1100

oldsmarfl.gov .GOV

100 State St W, Oldsmar, FL 34677, USA

Recent Reviews

Jorge Gutierrez ★☆☆☆☆

"Extremely disappointed with the City of Oldsmar’s park reservation system. I reserved a location online for a special family event, trusting the information provided, only to find out on the day of th…"

Devin Trammell ★☆☆☆☆

"My husband and I have lived in Oldsmar since 2017 when we moved here from Carrollwood to buy our first home. We absolutely love our community and love living here with the exception of the Oldsmar Cit…"

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.

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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 Oldsmar

More Insurance Options in Oldsmar, 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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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

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Business Life Insurance in Oldsmar, FL

Oldsmar, FL — Your Local Producer

Licensed Business Life Producers in Oldsmar

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Oldsmar 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 Oldsmar, 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 Oldsmar Resources