June Marcia Williams

Your Insurance Agent in Longwood, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Longwood, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Longwood, FL

Key person replacement, partner buyout funding, loan collateral.

Business life insurance for Longwood, 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 · Longwood, FL

Longwood, FL — Your Local Producer

Hello, Longwood! I love the strong sense of community we have here in Seminole County, from our historic downtown to our beautiful parks. As a local resident myself, I understand the unique needs of our families. My goal is to help you navigate the world of insurance with a personal touch. Whether you're considering Term Life, Final Expense, or other policies to protect your loved ones, I'm here to provide clear, straightforward guidance. As your neighbor, I'm committed to helping you secure the financial peace of mind you deserve. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Longwood City Hall
Reiter Park
Lyman High School

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Longwood

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

Aaron Valdez

Life Including Variable Annuity & Health

NPN 10308049 Licensed 2010

Ada Rhnea Russell

Life Including Variable Annuity & Health

NPN 7911751 Licensed 2023

Adam Bass

Life Including Variable Annuity & Health

NPN 19638456 Licensed 2020

Adam Hussian Mohammed

Life Including Variable Annuity & Health

NPN 22204236 Licensed 2026

Adriana M Serjal Freites

Life Including Variable Annuity & Health

NPN 20733666 Licensed 2023

Albert Lee Shane

Life Including Variable Annuity & Health

NPN 624116 Licensed 2005

Alejandra Gabriela Cabrera

Life Including Variable Annuity & Health

NPN 20304554 Licensed 2022

Alex Bounleutay

Life Including Variable Annuity & Health

NPN 22195574 Licensed 2026

Alex David

Life Including Variable Annuity & Health

NPN 16626580 Licensed 2020

Alex Scott Garcia

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

NPN 599162 Licensed 1992

Alex Xavier Cordero

Life Including Variable Annuity & Health

NPN 19498917 Licensed 2020

Alexander Antonio Corcho

Life Including Variable Annuity & Health

NPN 7816331 Licensed 2004

Alexander Hansen

Life Including Variable Annuity & Health

NPN 20870018 Licensed 2023

Alexander Wolfe

Life Including Variable Annuity & Health

NPN 21723024 Licensed 2025

Alexia N Emerson

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

NPN 17019149 Licensed 2014

Alison King Brannon

Life Including Variable Annuity & Health

NPN 17147916 Licensed 2013

Alison Lindsay Harrelson

Life Including Variable Annuity & Health

NPN 20995857 Licensed 2023

Alison Tuite

Life Including Variable Annuity & Health

NPN 21350191 Licensed 2024

Allen Sperling

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

NPN 20177265 Licensed 2023

Allyn Tyler Wirsu

Life Including Variable Annuity & Health

NPN 18528187 Licensed 2026

Amanda Sue Huffstutler

Life Including Variable Annuity & Health

NPN 21574247 Licensed 2025

Amber Malloy

Life Including Variable Annuity & Health

NPN 18385199 Licensed 2023

Amy Z Bey

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

NPN 18084204 Licensed 2023

Ana Cristina Wagner

Life Including Variable Annuity & Health

NPN 20029169 Licensed 2021

View all 679 licensed business life producers in Longwood →

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

Official Longwood Resources

County Seminole County

Population ~15,628

Lack of insurance (18–64) 12.2%

FIPS code 1241250

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 Longwood rates. Start your quote request below.

FL OIR .GOV Seminole County Gov Portal .GOV

3.8 4 reviews

Photos by Alan Rosko , Penny Martin via Google Maps

View on Google Maps

Longwood City Hall

(407) 260-3440

longwoodfl.org

175 W Warren Ave, Longwood, FL 32750, USA

Recent Reviews

Eli Castro ★★☆☆☆

"I called to find out when recycling gets picked up since I could never figure out the day. The lady on the other end of the line said Monday. Monday came and went and my recycling was never picked up.…"

Meredith Crawley ★★★★★

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

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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 Longwood

More Insurance Options in Longwood, 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 Longwood, FL

Longwood, FL — Your Local Producer

Licensed Business Life Producers in Longwood

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Longwood 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 Longwood, 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?

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Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Longwood Resources