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Home›Florida›Putnam County›Crescent City›Universal Life Insurance

June Marcia Williams — Licensed Universal Life Insurance Agent in Crescent City, FL
June Marcia Williams
Your Insurance Agent in Crescent City, FL
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Crescent City, FL...
National Producer No.
17209549
Verify ↗

Universal Life Insurance in Crescent City, FL

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

Universal life insurance for Crescent City, 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 · Crescent City, FL

Crescent City, FL — Your Local Producer

Hello, Crescent City neighbors! In a place as special as ours, nestled between the beautiful waters of Crescent Lake and Lake Stella, it's easy to appreciate the peace of mind that comes with feeling secure. My name is June Marcia Williams, and as a licensed insurance producer (NPN: 17209549, Florida License No: W840529), I'm dedicated to helping my Putnam County neighbors find that security. I offer a range of personal insurance options, from life and final expense to critical illness and accident policies, all tailored to your unique needs. Let's chat about protecting what matters most to you and your family.

  • Crescent City City Hall
  • Eva Lyon Park
  • Crescent City Jr./Sr. High School
NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Crescent City

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

AB
Adam Bornstein
Life Including Variable Annuity & Health
NPN 15777978 Licensed 2010
AM
Addison Lynn Mitchell
Life Including Variable Annuity & Health
NPN 19806722 Licensed 2021
AS
Amanda Marie Smiley
Life Including Variable Annuity & Health
NPN 22262936 Licensed 2026
AN
Amanda Noriega
Life Including Variable Annuity & Health
NPN 21291964 Licensed 2024
AF
Ashley Felton
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 16990768 Licensed 2015
BG
Brandy Nicole Greenfield
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 21595555 Licensed 2025
CC
Christopher A Coleman
Life Including Variable Annuity & Health
NPN 19665798 Licensed 2020
DD
Danielle Gillentine Dupont
Life Including Variable Annuity & Health
NPN 17940400 Licensed 2026
DW
Darian Walton
Life Including Variable Annuity & Health
NPN 20256574 Licensed 2022
DB
Denise K Bryson
Life Including Variable Annuity & Health
NPN 7460849 Licensed 2017
DO
Derik J Ortiz
Life Including Variable Annuity & Health
NPN 18574346 Licensed 2017
GC
Gloria Kaye Collins
Life Including Variable Annuity & Health
NPN 11218913 Licensed 2008
JR
Jennifer Lynn Reiter
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 603372 Licensed 1994
JD
Joel Lawrence Dennerle
Life Including Variable Annuity & Health
NPN 9142099 Licensed 2013
KL
Kim Lynn Landry
Life Including Variable Annuity & Health
NPN 22142395 Licensed 2026
LB
Latussa Mariear Batts
Life & Health (2-15) and General Lines / P&C (2-20)
NPN 7011447 Licensed 2002
LC
Layla Virginia Coleman
Life Including Variable Annuity & Health
NPN 19665880 Licensed 2020
LH
Lee Roy Harris
Life Including Variable Annuity & Health
NPN 18671 Licensed 2024
LC
Lisa Marie Cooper
Life Including Variable Annuity & Health
NPN 21053016 Licensed 2024
MH
Melissa Hall
Life Including Variable Annuity & Health
NPN 20457273 Licensed 2022
MM
Michael Kenneth Mitchell
Life Including Variable Annuity & Health
NPN 19242717 Licensed 2019
MM
Morgan Mitchell
Life Including Variable Annuity & Health
NPN 20744850 Licensed 2023
RF
Robert E Fenn
Life Including Variable Annuity & Health
NPN 6724141 Licensed 2023
RD
Rose Mary Delaney
Life Including Variable Annuity & Health
NPN 21132651 Licensed 2024
View all 29 licensed universal life producers in Crescent City →

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

Official Crescent City Resources

County Putnam County
Population Data Pending
Lack of insurance (18–64) 26.4%
FIPS code 1215375

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 Crescent City rates. Start your quote request below.

FL OIR .GOV Putnam County Gov Portal .GOV
Google Maps
4.9 14 reviews
City of Crescent City photo 1City of Crescent City photo 2City of Crescent City photo 3
Photos by Pat Boyda , Summit Flooring LLC , Pat Boyda via Google Maps
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City of Crescent City
Open now · Mon 8:00 AM – 5:00 PM
(386) 698-2525
crescentcity-fl.com
3 N Summit St, Crescent City, FL 32112, USA
Recent Reviews
Pat Boyda ★★★★★
"I love the small town feel, markets, and community events."
Ken Newstead ★★★★★
"The people at crescent city natural gas office were amazing to deal with. They were pleasant and informative. Getting our sevices turned on was a breeze thanks to the wonderful women working there."
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

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.
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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
Most Popular

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 Crescent City

More Insurance Options in Crescent City, 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

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Melrose Wealth Strategy

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The Welaka Legacy Plan

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Flagler Beach Coverage Guide

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Palm Coast Life Protection

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Asbury Lake Coverage Guide

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The Bellair-Meadowbrook Terrace Legacy Plan

Dedicated Universal Life coverage page for Bellair-Meadowbrook Terrace with local agent support.

View Bellair-Meadowbrook Terrace Coverage

The Fleming Island Legacy Plan

Personalized Universal Life quotes for Fleming Island residents — no obligation.

View Fleming Island Coverage

The Green Cove Springs Legacy Plan

Personalized Universal Life quotes for Green Cove Springs residents — no obligation.

View Green Cove Springs Coverage

Keystone Heights Wealth Strategy

Dedicated Universal Life coverage page for Keystone Heights with local agent support.

View Keystone Heights Coverage

Lakeside Coverage Guide

Personalized Universal Life quotes for Lakeside residents — no obligation.

View Lakeside Coverage

The Middleburg Legacy Plan

Dedicated Universal Life coverage page for Middleburg with local agent support.

View Middleburg Coverage

Oakleaf Plantation Wealth Strategy

Compare Universal Life rates from licensed carriers serving Oakleaf Plantation.

View Oakleaf Plantation Coverage

Orange Park Life Protection

Universal Life protection tailored to Orange Park families and businesses.

View Orange Park Coverage

Penney Farms Wealth Strategy

Universal Life protection tailored to Penney Farms families and businesses.

View Penney Farms Coverage
Read the Full Universal Life Consumer Guide →

Written by June Marcia Williams · NPN 17209549 · Independent guide for Florida consumers

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