June Marcia Williams

Your Insurance Agent in South Pasadena, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing South Pasadena, FL...

National Producer No.

17209549

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Universal Life Insurance in South Pasadena, FL

Tax-free policy loans, long-term care rider, estate planning.

Universal life insurance for South Pasadena, 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 · South Pasadena, FL

South Pasadena, FL — Your Local Producer

For my neighbors in South Pasadena, I understand that our relaxed, waterfront lifestyle is something special. As a licensed insurance producer here in Pinellas County, I'm committed to helping you protect that lifestyle. My name is June Marcia Williams, and I offer personalized guidance on a range of insurance options, from term and whole life to final expense and critical illness plans. My focus is on helping you understand your choices clearly, without pressure or confusing jargon, so you can secure your family’s financial future with confidence. Let's connect to review your needs. (NPN: 17209549, Florida License No: W840529)

South Pasadena City Hall
Palms of Pasadena Hospital
Pasadena Avenue South

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in South Pasadena

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

Anthony Paul Rich

Life Including Variable Annuity & Health

NPN 21359629 Licensed 2024

Austin Thomas Bell

Life Including Variable Annuity & Health

NPN 19577669 Licensed 2020

Brian David Gater

Life Including Variable Annuity & Health

NPN 8659913 Licensed 2025

Carolina Joy Quade

Life Including Variable Annuity & Health

NPN 22100550 Licensed 2026

Chablis Soffiea Davis

Life Including Variable Annuity & Health

NPN 17298514 Licensed 2014

Clarence Samuel Milligan

Life Including Variable Annuity & Health

NPN 476400 Licensed 1991

Danielle Shawn Perreault

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

NPN 3603298 Licensed 2025

Devin George Obriensimeon

Life Including Variable Annuity & Health

NPN 20788685 Licensed 2023

Drew Evan Plat

Life Including Variable Annuity & Health

NPN 21734619 Licensed 2026

Eileen Hartford

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

NPN 19934541 Licensed 2022

Helena Ana Maria Kuljanac

Life Including Variable Annuity & Health

NPN 20657834 Licensed 2023

James William Rogers

Life Including Variable Annuity & Health

NPN 627110 Licensed 2019

Jodi Schad

Life Including Variable Annuity & Health

NPN 20848831 Licensed 2023

Kathryn Amelia Leonard

Life Including Variable Annuity & Health

NPN 1028737 Licensed 2024

Kathy Mcintosh Elliott

Life Including Variable Annuity & Health

NPN 18953889 Licensed 2018

Kelli Harper

Life Including Variable Annuity & Health

NPN 20143756 Licensed 2021

Kelli Nicole Bain

Life Including Variable Annuity & Health

NPN 20890004 Licensed 2023

Krystal Monteiro

Life Including Variable Annuity & Health

NPN 20671664 Licensed 2023

Laila Marie Azbill

Life Including Variable Annuity & Health

NPN 19681562 Licensed 2021

Nicole Brittany Johnston

Life Including Variable Annuity & Health

NPN 18959679 Licensed 2018

Patrick Wilfred Williams

Life Including Variable Annuity & Health

NPN 600744 Licensed 2002

Robert Frank Cerrito

Life Including Variable Annuity & Health

NPN 18505556 Licensed 2017

Robert Paul Karr

Life Including Variable Annuity & Health

NPN 621744 Licensed 2003

Steven Allen Radecke

Life Including Variable Annuity & Health

NPN 18851902 Licensed 2023

View all 30 licensed universal life producers in South Pasadena →

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 South Pasadena regional market. Rates are localized using regional health baselines.

Official South Pasadena Resources

County Pinellas County

Population ~5,334

Lack of insurance (18–64) 9.3%

FIPS code 1267675

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 South Pasadena rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

4.2 10 reviews

Photos by Troy Gamble , Aydelin Hernandez , Arthur Penny via Google Maps

View on Google Maps

City of South Pasadena

Open now · Mon 8:00 AM – 4:00 PM

(727) 347-4171

mysouthpasadena.com

7047 Sunset Dr S, South Pasadena, FL 33707, USA

Recent Reviews

Captain Kevin ★☆☆☆☆

"Worst, most corrupt city council I've ever witnessed. Three items on an agenda for the planning/zoning board. All three items on the agenda had zone violations that were against code and ordinances th…"

David E. Westrich ★★★★★

"Went for COVID-19. 1st vaccination. Well organized and minimum time getting shot, plus 15 minute wait time after shot. Can't say anything but good about the experience. No after-shot reactions with Pf…"

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 South Pasadena

More Insurance Options in South Pasadena, 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 South Pasadena, FL

South Pasadena, FL — Your Local Producer

Licensed Universal Life Producers in South Pasadena

📈 Universal Life Insurance Underwriting Scope

🏛️ Official South Pasadena 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 South Pasadena, 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?

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Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official South Pasadena Resources