June Marcia Williams

Your Insurance Agent in Treasure Island, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Treasure Island, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Treasure Island, FL

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

Business life insurance for Treasure Island, 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 · Treasure Island, FL

Treasure Island, FL — Your Local Producer

Living in beautiful Treasure Island means enjoying the best of Pinellas County's coastal charm, from sunny beach days to stunning sunsets. As you build your life here, it's wise to ensure your family's financial future is secure. My name is June Marcia Williams, and as a licensed insurance producer, I help my neighbors in Treasure Island navigate their options for life insurance, final expense, and other personal policies. My goal is to provide clear, straightforward information so you can find a plan that fits your unique needs and budget. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Treasure Island City Hall
John's Pass Village & Boardwalk
Treasure Island Beach Trail

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Treasure Island

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

Alexander Seanger

Life Including Variable Annuity & Health

NPN 20676636 Licensed 2023

Amy Streicher

Life Including Variable Annuity & Health

NPN 7025477 Licensed 2022

Andrew Gilbert Vasey

Life Including Variable Annuity & Health

NPN 22101959 Licensed 2026

Anthony Joseph Spadorcia

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

NPN 1639459 Licensed 2010

Brian Scott Bacon

Life Including Variable Annuity & Health

NPN 7361421 Licensed 2004

Brianca Roberts

Life Including Variable Annuity & Health

NPN 20247309 Licensed 2022

Charles Fuller

Life Including Variable Annuity & Health

NPN 7046069 Licensed 2015

David Martin Franklin

Life Including Variable Annuity & Health

NPN 8441257 Licensed 2005

Diane Marie Donnelly

Life Including Variable Annuity & Health

NPN 583669 Licensed 1999

Douglas Bruce Shellabarger

Life Including Variable Annuity & Health

NPN 699145 Licensed 1997

Eleanor Renee Fogle

Life Including Variable Annuity & Health

NPN 21253359 Licensed 2024

Eric John Ferenbach

Life Including Variable Annuity & Health

NPN 21216530 Licensed 2024

Fouad Shahin

Life Including Variable Annuity & Health

NPN 18398685 Licensed 2024

Gene Gennadij Stern

Life Including Variable Annuity & Health

NPN 519742 Licensed 1978

Geoffrey S Hahn

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

NPN 18551330 Licensed 2017

Jennifer Lockett

Life Including Variable Annuity & Health

NPN 18222253 Licensed 2016

Joel Murga

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

NPN 450559 Licensed 1993

Joshua Houchens

Life Including Variable Annuity & Health

NPN 17406305 Licensed 2019

Kaitlin Moore

Life Including Variable Annuity & Health

NPN 17783314 Licensed 2015

Karen A. Reese

Life Including Variable Annuity & Health

NPN 10181258 Licensed 2010

Keith Reid Armbrecht

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

NPN 634015 Licensed 2003

Kelly Ann Brennick

Life Including Variable Annuity & Health

NPN 8977377 Licensed 2025

Kenneth Charles Gersbach

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

NPN 8876259 Licensed 2006

Kevin Michael Lazar

Life Including Variable Annuity & Health

NPN 21550065 Licensed 2025

View all 48 licensed business life producers in Treasure Island →

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 Treasure Island regional market. Rates are localized using regional health baselines.

Official Treasure Island Resources

County Pinellas County

Population ~6,590

Lack of insurance (18–64) 6.6%

FIPS code 1272325

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 Treasure Island rates. Start your quote request below.

FL OIR .GOV Pinellas County Gov Portal .GOV

3.9 58 reviews

Photos by City Of Treasure Island , G S via Google Maps

View on Google Maps

City Of Treasure Island

Open now · Mon 8:00 AM – 4:30 PM

mytreasureisland.org

10451 Gulf Blvd, Treasure Island, FL 33706, USA

Recent Reviews

G S ★☆☆☆☆

"They have no tolerance for dogs on the beach. Dogs are part of families. Beaches that are tolerant to dogs are thriving nationwide because people appreciate it and understand what they are responsible…"

Rebecca Scott ★★★★★

"I love this island. It's the best island of all Islands Clearwater's too busy and Commercial, St Pete Beach is too young and hustle bustle, but Treasure Island, it's the perfect balance of both it's g…"

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.

⚖️

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 Treasure Island

More Insurance Options in Treasure Island, 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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Licensed in 5 states NPN verified No obligation

📅 Schedule a Call 💬 Get Your Quote

Business Life Insurance in Treasure Island, FL

Treasure Island, FL — Your Local Producer

Licensed Business Life Producers in Treasure Island

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Treasure Island 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 Treasure Island, 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 Treasure Island Resources