June Marcia Williams

Your Insurance Agent in Geneva, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Geneva, FL...

National Producer No.

17209549

Verify ↗

Universal Life Insurance in Geneva, FL

Market-linked growth with guaranteed downside protection.

Universal life insurance for Geneva, 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 · Geneva, FL

Geneva, FL — Your Local Producer

Hello Geneva! I love the unique character of Seminole County, from its natural beauty to the strong sense of community we share. Life here is special, and protecting our families is a top priority for all of us. As a licensed insurance producer right here in Florida, my mission is to help my neighbors navigate their options with confidence. I offer personal guidance on everything from Term and Whole Life to Final Expense and Accident & Injury policies. I'm June Marcia Williams (NPN: 17209549, Florida License No: W840529), and I'm here to help you find a suitable plan.

Geneva Wilderness Area
Museum of Geneva History
Geneva Elementary School

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Geneva

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

Agnes Bartoszek-Mclaughlin

Life Including Variable Annuity & Health

NPN 17824514 Licensed 2016

Amanda Lynn Partin

Life Including Variable Annuity & Health

NPN 19650181 Licensed 2025

Austin Miller

Life Including Variable Annuity & Health

NPN 20254335 Licensed 2022

Beth Ann Block

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

NPN 620637 Licensed 1988

Bruce Patti

Life Including Variable Annuity & Health

NPN 16802954 Licensed 2012

Christopher Hugh Chauvin

Life Including Variable Annuity & Health

NPN 8994773 Licensed 2022

Christopher James George

Life Including Variable Annuity & Health

NPN 17936301 Licensed 2016

Damaris Flores

Life Including Variable Annuity & Health

NPN 19967040 Licensed 2021

Gena Laure Herro

Life Including Variable Annuity & Health

NPN 20154780 Licensed 2021

Jacob Holley-Prunty

Life Including Variable Annuity & Health

NPN 20849762 Licensed 2023

Jennifer Zaleski

Life Including Variable Annuity & Health

NPN 19057466 Licensed 2019

Joe Pires

Life Including Variable Annuity & Health

NPN 439588 Licensed 1996

John Robert Cloninger

Life Including Variable Annuity & Health

NPN 565221 Licensed 1974

Juan Santos

Life Including Variable Annuity & Health

NPN 18857989 Licensed 2018

Karen Jackson Dalbey

Life Including Variable Annuity & Health

NPN 526112 Licensed 1981

Kristen Schlusemeyer

Life Including Variable Annuity & Health

NPN 21623120 Licensed 2025

Lorena A Ortega

Life Including Variable Annuity & Health

NPN 8264130 Licensed 2017

Madison Lacey Wheeler

Life Including Variable Annuity & Health

NPN 19692680 Licensed 2020

Marie Alicia Kverek

Life Including Variable Annuity & Health

NPN 19623618 Licensed 2020

Michele Marie Burkett

Life Including Variable Annuity & Health

NPN 18672233 Licensed 2024

Nicholas P Ault

Life Including Variable Annuity & Health

NPN 20477465 Licensed 2022

Paul Mitchell Tarins

Life Including Variable Annuity & Health

NPN 433700 Licensed 1997

Sophie Madison Strempel

Life Including Variable Annuity & Health

NPN 22270121 Licensed 2026

Steven Carl Block

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

NPN 480916 Licensed 1988

View all 29 licensed universal life producers in Geneva →

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

Official Geneva Resources

County Seminole County

Population ~3,247

Lack of insurance (18–64) 8.1%

FIPS code 1225750

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 Geneva rates. Start your quote request below.

FL OIR .GOV Seminole County Gov Portal .GOV

Photos by A S via Google Maps

View on Google Maps

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 Geneva

More Insurance Options in Geneva, 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 Geneva, FL

Geneva, FL — Your Local Producer

Licensed Universal Life Producers in Geneva

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Geneva 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 Geneva, 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 Seminole County

The Altamonte Spring Legacy Plan

Altamonte Springs Financial Security

The Casselberry Legacy Plan

Fern Park Wealth Strategy

The Heathrow Legacy Plan

The Lake Mary Legacy Plan

Longwood Financial Security

Oviedo Life Protection

Sanford Life Protection

Winter Springs Wealth Strategy

Cassadaga Life Protection

Daytona Beach Coverage Guide

Deland Life Protection

DeLand Southwest Financial Security

The Deltona Legacy Plan

Holly Hill Wealth Strategy

North DeLand Coverage Guide

Ormond Beach Wealth Strategy

Ormond-by-the-Sea Life Protection

South Daytona Coverage Guide

Clermont Wealth Strategy

Dona Vista Coverage Guide

The Eustis Legacy Plan

Fruitland Park Wealth Strategy

Groveland Wealth Strategy

Leesburg Coverage Guide

Minneola Life Protection

Montverde Life Protection

Mount Dora Wealth Strategy

Umatilla Wealth Strategy

Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Geneva Resources