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

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Universal Life Insurance in Longwood, FL

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

Universal life insurance for Longwood, 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 · 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 Universal 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 universal 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.

Universal Life Insurance Underwriting Scope

Reviewing specialized portfolio metrics for Universal 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 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.

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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 Longwood

More Insurance Options in Longwood, 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 Longwood, FL

Longwood, FL — Your Local Producer

Licensed Universal Life Producers in Longwood

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Longwood 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 Longwood, 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?

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Talk to a real person. Today.

Universal Life Insurance Underwriting Scope

Official Longwood Resources