June Marcia Williams

Your Insurance Agent in Pace, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Pace, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Pace, FL

Key person replacement, partner buyout funding, loan collateral.

Business life insurance for Pace, 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 · Pace, FL

Pace, FL — Your Local Producer

As a resident of the Santa Rosa County area, I understand the unique character and close-knit feel that makes Pace a wonderful place to call home. Planning for your family's financial security is a vital part of life here, and I'm dedicated to helping my neighbors navigate their options with clarity. As an individual licensed insurance producer, I can help you explore personal policies like term life, final expense, and accident & injury coverage. My focus is on providing straightforward information so you can choose the right protection for your loved ones. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Pace High School
Benny Russell Park
Stonebrook Golf Club

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Pace

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

Adam Ross Feiler

Life Including Variable Annuity & Health

NPN 21738015 Licensed 2025

Aixa Enid Muniz Cardona

Life Including Variable Annuity & Health

NPN 20289965 Licensed 2022

Alexie Angel Diaz

Life Including Variable Annuity & Health

NPN 20526408 Licensed 2022

Alicia Rice

Life Including Variable Annuity & Health

NPN 20339266 Licensed 2022

Amanda Irene Gatrell

Life Including Variable Annuity & Health

NPN 20070771 Licensed 2021

Amy Lynn Smith

Life Including Variable Annuity & Health

NPN 18951547 Licensed 2023

Amy Michelle Fisher

Life Including Variable Annuity & Health

NPN 18816224 Licensed 2018

Amy Sue Hendershott

Life Including Variable Annuity & Health

NPN 20154653 Licensed 2021

Andrew Michael White

Life Including Variable Annuity & Health

NPN 20495952 Licensed 2022

Angela C Melvin

Life Including Variable Annuity & Health

NPN 20441692 Licensed 2022

Anthony Bolden

Life Including Variable Annuity & Health

NPN 20668192 Licensed 2023

Ashleigh Elise Cason

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

NPN 20629043 Licensed 2023

Ashley Pratt

Life Including Variable Annuity & Health

NPN 20395396 Licensed 2022

Ashlie Dittfield

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

NPN 8094829 Licensed 2025

Ashly Benson

Life Including Variable Annuity & Health

NPN 21741034 Licensed 2025

Austen T Smith

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

NPN 18441109 Licensed 2017

Austin Lee

Life Including Variable Annuity & Health

NPN 20381310 Licensed 2022

Autumn Rose Wingate

Life Including Variable Annuity & Health

NPN 18775743 Licensed 2018

Benjamin Walton Helms

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

NPN 21015272 Licensed 2023

Bethany Ford

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

NPN 20557806 Licensed 2022

Bradley Allen Cutts

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

NPN 475684 Licensed 1997

Brandon James Leavy Carr

Life Including Variable Annuity & Health

NPN 21079974 Licensed 2024

Brandy Michele Anderson

Life Including Variable Annuity & Health

NPN 20758875 Licensed 2023

Brian Vincent Andrews

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

NPN 6409623 Licensed 2003

View all 188 licensed business life producers in Pace →

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

Official Pace Resources

County Santa Rosa County

Population ~25,657

Lack of insurance (18–64) 9.7%

FIPS code 1253725

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 Pace rates. Start your quote request below.

FL OIR .GOV Santa Rosa County Gov Portal .GOV

Photos by Matthew Melvin , Julie ann Grantham , Troy Upshaw via Google Maps

View on Google Maps

Pace

Pace, FL 32571, USA

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 Pace

More Insurance Options in Pace, 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 Pace, FL

Pace, FL — Your Local Producer

Licensed Business Life Producers in Pace

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Pace 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 Pace, 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 Santa Rosa County

Allentown Financial Security

Avalon Life Protection

Bagdad Wealth Strategy

East Milton Financial Security

Gulf Breeze Coverage Guide

Jay Coverage Guide

The Milton Legacy Plan

Navarre Financial Security

The Tiger Point Legacy Plan

Woodlawn Beach Life Protection

Bonifay Financial Security

Esto Financial Security

The Noma Legacy Plan

Westville Coverage Guide

Caryville Wealth Strategy

Chipley Coverage Guide

Ebro Coverage Guide

The Vernon Legacy Plan

Wausau Coverage Guide

Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Pace Resources