June Marcia Williams

Your Insurance Agent in Lake Alfred, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Lake Alfred, FL...

National Producer No.

17209549

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Universal Life Insurance in Lake Alfred, FL

Market-linked growth with guaranteed downside protection.

Universal life insurance for Lake Alfred, 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 · Lake Alfred, FL

Lake Alfred, FL — Your Local Producer

Hello, Lake Alfred! As a licensed insurance producer right here in Florida, I'm dedicated to serving my neighbors throughout Polk County. In a community known for its beautiful Chain of Lakes, I believe your financial planning should be just as clear and secure. I specialize in helping individuals and families understand their options for life insurance, final expense plans, and supplemental health policies. My goal is to provide personalized, one-on-one guidance to help you protect what matters most. I'm here to be your local resource. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Mackay Gardens and Lakeside Preserve
Lake Alfred Public Library
Gardner Park

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Lake Alfred

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

Adrian Acosta-Martinez

Life Including Variable Annuity & Health

NPN 18328203 Licensed 2017

Alejandra Cortez-Ovando

Life Including Variable Annuity & Health

NPN 21546764 Licensed 2025

Alexander Jared Riggins

Life Including Variable Annuity & Health

NPN 8850642 Licensed 2013

Alexander Lucena

Life Including Variable Annuity & Health

NPN 20830729 Licensed 2023

Amy Robinson

Life Including Variable Annuity & Health

NPN 21610960 Licensed 2025

Andres Alfonso Rojas Rosas

Life Including Variable Annuity & Health

NPN 21707459 Licensed 2025

Anthony Giuffrida

Life Including Variable Annuity & Health

NPN 18060963 Licensed 2016

Ashley Rai

Life Including Variable Annuity & Health

NPN 20205215 Licensed 2022

Balmen Ovalles Garcia

Life Including Variable Annuity & Health

NPN 20578747 Licensed 2023

Blake Schwartz

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

NPN 16624783 Licensed 2017

Bobby Bair

Life Including Variable Annuity & Health

NPN 19635465 Licensed 2020

Brian Vo Nguyen

Life Including Variable Annuity & Health

NPN 19765160 Licensed 2021

Claudia A Valdesromero

Life Including Variable Annuity & Health

NPN 21708314 Licensed 2025

Darice Nanette Centeno

Life Including Variable Annuity & Health

NPN 19449586 Licensed 2020

David Alejandro Castro

Life Including Variable Annuity & Health

NPN 19410940 Licensed 2020

David Earl Olson

Life Including Variable Annuity & Health

NPN 20203883 Licensed 2022

Dawn Jennifer Lyons

Life Including Variable Annuity & Health

NPN 16580787 Licensed 2012

Denise Denisha Salmon

Life Including Variable Annuity & Health

NPN 17044616 Licensed 2021

Derek Charles Mcgowen

Life Including Variable Annuity & Health

NPN 11736908 Licensed 2020

Derek Chase Cone

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

NPN 19354171 Licensed 2019

Donna Jalene Fiore

Life Including Variable Annuity & Health

NPN 21355945 Licensed 2024

Drew Myrten Owens

Life Including Variable Annuity & Health

NPN 21730377 Licensed 2025

Edward A Arbuthnot

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

NPN 1027972 Licensed 2000

Elena E Castro

Life Including Variable Annuity & Health

NPN 20619112 Licensed 2023

View all 71 licensed universal life producers in Lake Alfred →

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 Lake Alfred regional market. Rates are localized using regional health baselines.

Official Lake Alfred Resources

County Polk County

Population ~6,555

Lack of insurance (18–64) 16.7%

FIPS code 1237525

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 Lake Alfred rates. Start your quote request below.

FL OIR .GOV Polk County Gov Portal .GOV

3.7 3 reviews

Photos by Kelly Kelnhofer , Juan Zayas , Kelly Kelnhofer via Google Maps

View on Google Maps

Lake Alfred City Hall

Open now · Mon 8:00 AM – 4:30 PM

(863) 291-5270

mylakealfred.com

120 E Pomelo St, Lake Alfred, FL 33850, USA

Recent Reviews

Kyle Murawski ★☆☆☆☆

"Speed traps in this town beware!"

Michael ★★★★★

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.

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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 Lake Alfred

More Insurance Options in Lake Alfred, 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 Lake Alfred, FL

Lake Alfred, FL — Your Local Producer

Licensed Universal Life Producers in Lake Alfred

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Lake Alfred 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 Lake Alfred, 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 Lake Alfred Resources