June Marcia Williams

Your Insurance Agent in Daytona Beach Shores, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Daytona Beach Shores, FL...

National Producer No.

17209549

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Business Life Insurance in Daytona Beach Shores, FL

Coverage based on revenue, key person income, and loan balance.

Business life insurance for Daytona Beach Shores, 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 · Daytona Beach Shores, FL

Daytona Beach Shores, FL — Your Local Producer

Hello, Daytona Beach Shores! Life along our beautiful stretch of Volusia County coastline is truly special, and I believe in protecting the families who call this place home. As a local licensed insurance producer, I'm June Marcia Williams, and I'm dedicated to helping my neighbors understand their options for personal insurance. From Term and Whole Life to Final Expense and supplemental health plans like Critical Illness or Hospital Indemnity, I provide clear, one-on-one guidance. My focus is on your unique situation, helping you secure peace of mind. (NPN: 17209549, Florida License No: W840529)

Daytona Beach Shores City Hall
McElroy Park
Sunglow Pier

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Daytona Beach Shores

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

Anand Manilal Shah

Life Including Variable Annuity & Health

NPN 21007668 Licensed 2023

Connie Cunningham Hayes

Life Including Variable Annuity & Health

NPN 19502527 Licensed 2020

Daniel Joseph Morris

Life Including Variable Annuity & Health

NPN 19028636 Licensed 2019

David Richard Plimpton

Life Including Variable Annuity & Health

NPN 20601141 Licensed 2023

Douglas George Meyerhoff

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

NPN 3625268 Licensed 2005

Douglas M Smith

Life Including Variable Annuity & Health

NPN 21372229 Licensed 2024

Douglas Mark Beller

Life Including Variable Annuity & Health

NPN 6373116 Licensed 2002

Ginger Anne Sanders

Life Including Variable Annuity & Health

NPN 10366488 Licensed 2008

Gregory D Jensen

Life Including Variable Annuity & Health

NPN 19223877 Licensed 2019

Gwendolyn Slater

Life Including Variable Annuity & Health

NPN 1032282 Licensed 1999

Hannah N Kesler

Life Including Variable Annuity & Health

NPN 18557844 Licensed 2018

Hilary Allen

Life Including Variable Annuity & Health

NPN 18842822 Licensed 2018

Hong Dai

Life Including Variable Annuity & Health

NPN 713658 Licensed 2025

James Jerome Tully

Life Including Variable Annuity & Health

NPN 545552 Licensed 2011

Jerry Dean Stanforth

Life Including Variable Annuity & Health

NPN 510813 Licensed 2026

John Martin Pastre

Life Including Variable Annuity & Health

NPN 17756585 Licensed 2015

Kare Mattias Backstrom

Life Including Variable Annuity & Health

NPN 1473669 Licensed 2015

Kelly Ann Rinehimer

Life Including Variable Annuity & Health

NPN 19437183 Licensed 2024

Linda A Ferguson

Life Including Variable Annuity & Health

NPN 3635784 Licensed 2000

Mandy Beth Brown

Life Including Variable Annuity & Health

NPN 20497361 Licensed 2022

Matthew Christopher La-Fiura

Life Including Variable Annuity & Health

NPN 20978378 Licensed 2023

Matthew S Reynolds

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

NPN 9726451 Licensed 2007

Rachael Ann Dyson

Life Including Variable Annuity & Health

NPN 17747232 Licensed 2015

Rizalina Leuterio

Life Including Variable Annuity & Health

NPN 21142939 Licensed 2024

View all 27 licensed business life producers in Daytona Beach Shores →

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 Daytona Beach Shores regional market. Rates are localized using regional health baselines.

Official Daytona Beach Shores Resources

County Volusia County

Population ~5,087

Lack of insurance (18–64) 11.5%

FIPS code 1216550

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 Daytona Beach Shores rates. Start your quote request below.

FL OIR .GOV Volusia County Gov Portal .GOV

4.2 10 reviews

City of Daytona Beach Shores City Hall photo 1

City of Daytona Beach Shores City Hall photo 2

City of Daytona Beach Shores City Hall photo 3

City of Daytona Beach Shores City Hall photo 4

Photos by WMB 4Him , Herve Andrieu , David Lockwood , TheCHIEF BIGFAITH via Google Maps

View on Google Maps

City of Daytona Beach Shores City Hall

Open now · Mon 8:00 AM – 4:30 PM

(386) 763-5353

dbshores.org

2990 S Atlantic Ave, Daytona Beach Shores, FL 32118, USA

Recent Reviews

Joe Clements ★★★★★

"I have been a builder in Florida for forty years. I was also a planning zoning commissioner in Florida. Daytona Beach Shores is without a doubt the most customer friendly Building Planning and Zoning …"

Todd MacDonald ★★★★★

"The Daytona Beach Shores Building Department was awesome to work with. The staff from start to finish on a new home build were amazing. Cheryl in permitting & Matt the inspector were always helpful an…"

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 Daytona Beach Shores

More Insurance Options in Daytona Beach Shores, 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

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Business Life Insurance in Daytona Beach Shores, FL

Daytona Beach Shores, FL — Your Local Producer

Licensed Business Life Producers in Daytona Beach Shores

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Daytona Beach Shores 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 Daytona Beach Shores, 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 Daytona Beach Shores Resources