June Marcia Williams

Your Insurance Agent in Dundee, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Dundee, FL...

National Producer No.

17209549

Verify ↗

Universal Life Insurance in Dundee, FL

Flexible premiums, S&P 500-linked returns, 0% floor.

Universal life insurance for Dundee, 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 · Dundee, FL

Dundee, FL — Your Local Producer

As a licensed insurance producer serving my fellow Floridians, I am dedicated to helping the families of Dundee and greater Polk County navigate their insurance options. Life here has a unique rhythm, and your financial protection plan should reflect that. I specialize in helping individuals and families understand personal lines of insurance, from various types of life insurance to coverage for critical illness or accidents. My goal is to provide clear, straightforward information so you can make confident choices for your loved ones. As your neighbor, I'm committed to offering dedicated service (NPN: 17209549, Florida License No: W840529).

Dundee Town Hall
Dundee Elementary Academy
Lake Marie Park

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Dundee

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

Adrian Blake

Life Including Variable Annuity & Health

NPN 21780835 Licensed 2025

Alejandro Cardona

Life Including Variable Annuity & Health

NPN 20308963 Licensed 2022

Allen Michael Battle

Life Including Variable Annuity & Health

NPN 21211811 Licensed 2024

Ana Barragan

Life Including Variable Annuity & Health

NPN 18849302 Licensed 2018

Celestino Diaz

Life Including Variable Annuity & Health

NPN 19656220 Licensed 2022

Damecia Stephens

Life Including Variable Annuity & Health

NPN 18846287 Licensed 2018

Eddy Lauture

Life Including Variable Annuity & Health

NPN 7931013 Licensed 2014

Edward Christian Tiongson

Life Including Variable Annuity & Health

NPN 20568981 Licensed 2022

Izamar Torres Velez

Life Including Variable Annuity & Health

NPN 18411406 Licensed 2025

James Lawrence Myers

Life Including Variable Annuity & Health

NPN 2170305 Licensed 2009

Jennifer Ann Marie Virgo

Life Including Variable Annuity & Health

NPN 18990610 Licensed 2018

Jose Antonio Grullon

Life Including Variable Annuity & Health

NPN 17412126 Licensed 2015

Jose Jovanny Bauzo

Life Including Variable Annuity & Health

NPN 19228044 Licensed 2019

Jose Lennyel Bauzo

Life Including Variable Annuity & Health

NPN 18735667 Licensed 2018

Jose Raymond Bauzo

Life Including Variable Annuity & Health

NPN 19583722 Licensed 2020

Justin Lynn Broadway

Life Including Variable Annuity & Health

NPN 21067724 Licensed 2024

Karen Lynn Upshaw

Life Including Variable Annuity & Health

NPN 456596 Licensed 1995

Katherine Liceth Loor Molina

Life Including Variable Annuity & Health

NPN 21708356 Licensed 2025

Keyanna Smith

Life Including Variable Annuity & Health

NPN 20558998 Licensed 2022

Lena Solano Nunez

Life Including Variable Annuity & Health

NPN 21113630 Licensed 2024

Lisa Loraine Johnson

Life Including Variable Annuity & Health

NPN 19925557 Licensed 2021

Lisset Perez Monert

Life Including Variable Annuity & Health

NPN 21398164 Licensed 2024

Lixia M Medina Correa

Life Including Variable Annuity & Health

NPN 18891773 Licensed 2018

Mario Del Mazo

Life Including Variable Annuity & Health

NPN 8613128 Licensed 2026

View all 38 licensed universal life producers in Dundee →

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

Official Dundee Resources

County Polk County

Population ~5,373

Lack of insurance (18–64) 26.5%

FIPS code 1218550

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 Dundee rates. Start your quote request below.

FL OIR .GOV Polk County Gov Portal .GOV

3.4 15 reviews

Photos by Seventy6 , Seventy6 , Nesha D via Google Maps

View on Google Maps

Town of Dundee

Open now · Mon 8:00 AM – 5:00 PM

(863) 438-8330

townofdundee.com

Center St, Dundee, FL 33838, USA

Recent Reviews

Bianca Fernandez ★☆☆☆☆

"Very incompetent employees and rude. I did a split payment for my bill on time because well I just didn’t have all the money on one card. Days later I got a notice on my door saying they were going t…"

Seventy6 ★☆☆☆☆

"Horrible Trash Service. We have been calling for 7 days straight, and they have not come to pick up our trash for weeks even though we pay $300 a month. Very disappointing."

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 Dundee

More Insurance Options in Dundee, 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 Dundee, FL

Dundee, FL — Your Local Producer

Licensed Universal Life Producers in Dundee

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Dundee 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 Dundee, 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?

Also Serving Polk County

Auburndale Life Protection

Bartow Wealth Strategy

Bradley Junction Coverage Guide

The Cypress Gardens Legacy Plan

Eloise Life Protection

The Haines City Legacy Plan

Lake Wales Coverage Guide

Lakeland Life Protection

The Lakeland Highlands Legacy Plan

Willow Oak Wealth Strategy

Buena Ventura La Life Protection

Buenaventura Lakes Life Protection

Campbell Financial Security

Celebration Life Protection

Intercession Cit Life Protection

Kenansville Life Protection

The Kissimmee Legacy Plan

Saint Cloud Coverage Guide

St. Cloud Life Protection

The Yeehaw Junction Legacy Plan

The Apollo Beach Legacy Plan

Brandon Coverage Guide

Carrollwood Coverage Guide

Dover Coverage Guide

The Gibsonton Legacy Plan

Lithia Wealth Strategy

Pebble Creek Financial Security

Plant City Wealth Strategy

Tampa Wealth Strategy

Temple Terrace Coverage Guide

Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Dundee Resources