June Marcia Williams

Your Insurance Agent in Lake Mary, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Lake Mary, FL...

National Producer No.

17209549

Verify ↗

Universal Life Insurance in Lake Mary, FL

Tax-free policy loans, long-term care rider, estate planning.

Universal life insurance for Lake Mary, 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 Mary, FL

Lake Mary, FL — Your Local Producer

Hello, Lake Mary! As your neighbor here in Seminole County, I understand the pride we take in our beautiful community and the importance of protecting the families that make it so special. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping you navigate your options for personal insurance. Whether you're considering Term Life, Final Expense, or other coverages like Accident & Injury plans, I can provide clear, personalized guidance. My goal is to help you secure your family's future with confidence. (NPN: 17209549, Florida License No: W840529)

Lake Mary City Hall
Central Park at Lake Mary
Lake Mary SunRail Station

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Lake Mary

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

Aaron Devere

Life Including Variable Annuity & Health

NPN 21134021 Licensed 2024

Aaron Louis Prunoske

Life Including Variable Annuity & Health

NPN 20807116 Licensed 2023

Aaron Matthew Hessinger

Life Including Variable Annuity & Health

NPN 19638500 Licensed 2020

Abassali Sultanali

Life Including Variable Annuity & Health

NPN 22259958 Licensed 2026

Abdel Plasencia Cerra

Life Including Variable Annuity & Health

NPN 20800680 Licensed 2023

Abdou R Cham

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

NPN 19167341 Licensed 2019

Abigail Velazquez

Life Including Variable Annuity & Health

NPN 17194069 Licensed 2014

Abner Wade Diaz

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

NPN 14471821 Licensed 2014

Ada Iris Jimenez

Life Including Variable Annuity & Health

NPN 1919970 Licensed 1998

Adam Daniel Gomez

Life Including Variable Annuity & Health

NPN 20985839 Licensed 2023

Adam Mischel

Life Including Variable Annuity & Health

NPN 19044253 Licensed 2019

Adam Padilla

Life Including Variable Annuity & Health

NPN 19639171 Licensed 2020

Adel Michelle Aiken-Brewster

Life Including Variable Annuity & Health

NPN 17885148 Licensed 2016

Adoniram Rafael Mendez

Life Including Variable Annuity & Health

NPN 15986357 Licensed 2010

Adrian A Mckenzie-Patasar

Life Including Variable Annuity & Health

NPN 20744804 Licensed 2023

Adrian Gonzalez

Life Including Variable Annuity & Health

NPN 18971750 Licensed 2018

Adriana Danis

Life Including Variable Annuity & Health

NPN 22091228 Licensed 2026

Adriana Mazadiego-Gonzalez

Life Including Variable Annuity & Health

NPN 22155305 Licensed 2026

Ahmad Mohammed

Life Including Variable Annuity & Health

NPN 22170033 Licensed 2026

Ajaykumar Cherala

Life Including Variable Annuity & Health

NPN 22150767 Licensed 2026

Alain Bernad Laroche

Life Including Variable Annuity & Health

NPN 19666353 Licensed 2020

Alaina Hepple

Life Including Variable Annuity & Health

NPN 18313297 Licensed 2020

Alan L. Smith

Life Including Variable Annuity & Health

NPN 16650131 Licensed 2012

Alan M Vernello

Life Including Variable Annuity & Health

NPN 7624001 Licensed 2003

View all 961 licensed universal life producers in Lake Mary →

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

Official Lake Mary Resources

County Seminole County

Population ~16,636

Lack of insurance (18–64) 10.2%

FIPS code 1238425

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 Mary rates. Start your quote request below.

FL OIR .GOV Seminole County Gov Portal .GOV

4.6 25 reviews

Photos by Antonio Formacion , Luli Req , K_whitt6 , shansonette Gibson via Google Maps

View on Google Maps

City of Lake Mary City Hall

(407) 585-1400

lakemaryfl.com

100 N Country Club Rd #100, Lake Mary, FL 32746, USA

Recent Reviews

Alma Costa ★★★★★

"Christmas lights were absolutely beautiful!! Really enjoyed walking through with my family. Ty"

Mike House ★★★★★

"We love coming here for the community events. Lots of police, fire fighters and vendors here so kids can interact with them. When we leave there are many bags full of gifts. We look forward to the nex…"

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 Lake Mary

More Insurance Options in Lake Mary, 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 Mary, FL

Lake Mary, FL — Your Local Producer

Licensed Universal Life Producers in Lake Mary

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Lake Mary 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 Mary, 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

Chuluota Financial Security

Fern Park Wealth Strategy

The Heathrow Legacy Plan

Longwood Financial Security

Oviedo Life Protection

Sanford Life Protection

Winter Springs Wealth Strategy

Buena Ventura La Life Protection

Buenaventura Lakes Life Protection

Campbell Financial Security

Celebration Life Protection

Intercession Cit Life Protection

Kenansville Life Protection

The Kissimmee Legacy Plan

Saint Cloud Coverage Guide

St. Cloud Life Protection

The Yeehaw Junction Legacy Plan

Apopka Life Protection

Meadow Woods Financial Security

Oakland Coverage Guide

Orlando Financial Security

South Apopka Coverage Guide

Southchase Financial Security

Windermere Coverage Guide

The Winter Garden Legacy Plan

Winter Park Coverage Guide

The Zellwood Legacy Plan

Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Lake Mary Resources