June Marcia Williams

Your Insurance Agent in Haines City, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Haines City, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Haines City, FL

Key person, buy-sell, and business loan protection.

Business life insurance for Haines 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 · Haines City, FL

Haines City, FL — Your Local Producer

For my neighbors in Haines City, living in the 'Heart of Florida' means appreciating our community's unique blend of Polk County growth and tradition. Protecting your family's future is a vital part of that life. That's why I'm dedicated to helping you understand your options for personal insurance, whether it's Term Life, Whole Life, Final Expense, or plans for Critical Illness and Hospital Indemnity. As a licensed insurance producer, I can guide you through the complexities to find a plan that fits your needs. I'm here to help you secure peace of mind. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Haines City Hall
Lake Eva Community Park
Haines City High School

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Haines City

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

Aaron Valladares

Life Including Variable Annuity & Health

NPN 21390471 Licensed 2024

Abigail Martinez

Life Including Variable Annuity & Health

NPN 21061150 Licensed 2024

Adam Benjamin Smith

Life Including Variable Annuity & Health

NPN 19006008 Licensed 2022

Adriane Harris

Life Including Variable Annuity & Health

NPN 20817093 Licensed 2025

Aida Esther Valenciamartinez

Life Including Variable Annuity & Health

NPN 16427954 Licensed 2020

Akin Adeyemi

Life Including Variable Annuity & Health

NPN 20433157 Licensed 2022

Alejandro Baralt

Life Including Variable Annuity & Health

NPN 21214186 Licensed 2024

Alejandro Giraldo

Life Including Variable Annuity & Health

NPN 18621838 Licensed 2017

Alejandro Gonzalez

Life Including Variable Annuity & Health

NPN 20427035 Licensed 2022

Alexander Bardales Pereira

Life Including Variable Annuity & Health

NPN 22227436 Licensed 2026

Alexander Jeffrey

Life Including Variable Annuity & Health

NPN 21648920 Licensed 2025

Amarilis Colon-Molina

Life Including Variable Annuity & Health

NPN 18527780 Licensed 2017

Ana Crisbel Dicotot

Life Including Variable Annuity & Health

NPN 21219448 Licensed 2024

Ana Gabriela Rivas

Life Including Variable Annuity & Health

NPN 20114215 Licensed 2021

Ana Lucia Rivas-Garcia

Life Including Variable Annuity & Health

NPN 20671637 Licensed 2023

Anabel Abreu

Life Including Variable Annuity & Health

NPN 21773784 Licensed 2025

Andres Acevedo

Life Including Variable Annuity & Health

NPN 20209371 Licensed 2022

Angel Antonio Fernandez Santana

Life Including Variable Annuity & Health

NPN 21425768 Licensed 2024

Angel Faith Tissue

Life Including Variable Annuity & Health

NPN 19262449 Licensed 2019

Angel Gabriel Polanco

Life Including Variable Annuity & Health

NPN 20870962 Licensed 2023

Angela Daniela Rincon Rubiano

Life Including Variable Annuity & Health

NPN 20027479 Licensed 2021

Angela Giovanna Mega Suarez

Life Including Variable Annuity & Health

NPN 20207840 Licensed 2022

Angelique Seaton Marsha-Gaye Seaton

Life Including Variable Annuity & Health

NPN 21324203 Licensed 2024

Angelis D Gomez Diaz

Life Including Variable Annuity & Health

NPN 20149063 Licensed 2021

View all 402 licensed business life producers in Haines City →

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

Official Haines City Resources

County Polk County

Population Data Pending

Lack of insurance (18–64) 24.7%

FIPS code 1228400

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 Haines City rates. Start your quote request below.

FL OIR .GOV Polk County Gov Portal .GOV

3.3 32 reviews

Photos by Marisol Olmeda Santiago , Isabel Restrepo , Francisco Alves via Google Maps

View on Google Maps

Haines City Hall

Open now · Mon 8:00 AM – 5:00 PM

(863) 421-3600

hainescity.com

620 E Main St, Haines City, FL 33844, USA

Recent Reviews

Elizabeth Lucenti ★☆☆☆☆

"Very short and has hung up on me. Won't accept the only lease the leasing company will give. The lease is with reszi who signs electronically using an IP address, full contact info is listed and they …"

Tammie Windham Croft ★★★★★

"Republicans are actively committing a Cold War against the judicial branch and disobeying court orders"

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 Haines City

More Insurance Options in Haines 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 Haines City, FL

Haines City, FL — Your Local Producer

Licensed Business Life Producers in Haines City

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Haines 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 Haines 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 Polk County

Auburndale Life Protection

Bartow Wealth Strategy

Bradley Junction Coverage Guide

The Cypress Gardens Legacy Plan

Davenport Life Protection

Eloise Life Protection

Lake Wales Coverage Guide

Lakeland Life Protection

The Lakeland Highlands Legacy Plan

Willow Oak Wealth Strategy

Avon Park Wealth Strategy

The Lake Placid Legacy Plan

Lorida Wealth Strategy

The Sebring Legacy Plan

Venus Wealth Strategy

Bowling Green Life Protection

Fort Green Financial Security

Fort Green Springs Financial Security

Gardner Financial Security

Lemon Grove Wealth Strategy

Limestone Coverage Guide

Ona Financial Security

Wauchula Life Protection

Zolfo Springs Financial Security

Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Haines City Resources