June Marcia Williams

Your Insurance Agent in Debary, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Debary, FL...

National Producer No.

17209549

Verify ↗

Business Life Insurance in Debary, FL

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

Business life insurance for Debary, 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 · Debary, FL

Debary, FL — Your Local Producer

Hello, Debary! I love the unique charm of our corner of Volusia County, from the natural beauty along the St. Johns River to our strong community spirit. As your neighbor, I understand the importance of protecting what matters most. That's why I'm dedicated to helping local families secure their financial futures. As a licensed insurance producer, I can help you explore options like Term Life, Whole Life, Final Expense, and other personal policies to find the right fit for your needs. I'm June Marcia Williams (NPN: 17209549, Florida License No: W840529), and I'm here to provide clear, personalized guidance.

DeBary Hall Historic Site
Gemini Springs Park
DeBary City Hall

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Debary

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

Abigail Hamdan

Life Including Variable Annuity & Health

NPN 21238033 Licensed 2024

Adam Skove

Life Including Variable Annuity & Health

NPN 18603736 Licensed 2017

Adam Smith

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

NPN 19093061 Licensed 2019

Adriana Jose Ochoa

Life Including Variable Annuity & Health

NPN 22179532 Licensed 2026

Albert Clayton Jones

Life Including Variable Annuity & Health

NPN 21716624 Licensed 2025

Alexis Camacho

Life Including Variable Annuity & Health

NPN 21709212 Licensed 2025

Alma Veronica Chavez

Life Including Variable Annuity & Health

NPN 20277788 Licensed 2022

Amanda Elizabeth Tervo

Life Including Variable Annuity & Health

NPN 19600285 Licensed 2020

Amnecke Yezenea Vasquez Calderon

Life Including Variable Annuity & Health

NPN 18843775 Licensed 2018

Ana Belen Betancourt

Life Including Variable Annuity & Health

NPN 20393858 Licensed 2022

Anastasia Mikaela Newsome

Life Including Variable Annuity & Health

NPN 17781950 Licensed 2015

Andres Ruben Sylva

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

NPN 12048499 Licensed 2009

Angel Manuel Pabon

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

NPN 19843445 Licensed 2026

Anita Compton Neely

Life Including Variable Annuity & Health

NPN 20025545 Licensed 2021

Annabelle Virginia Leach-Russell

Life Including Variable Annuity & Health

NPN 21596972 Licensed 2025

Anne Elizabeth Daley

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

NPN 20008121 Licensed 2021

Anthony Panzica

Life Including Variable Annuity & Health

NPN 21651858 Licensed 2025

Arleen Bhoannie Contreras

Life Including Variable Annuity & Health

NPN 19906523 Licensed 2021

Auris Alcantara Pina

Life Including Variable Annuity & Health

NPN 21480221 Licensed 2025

Aurora Victoria Ramirez

Life Including Variable Annuity & Health

NPN 21760762 Licensed 2025

Austin Botts

Life Including Variable Annuity & Health

NPN 20348552 Licensed 2022

Barbara M Fedder

Life Including Variable Annuity & Health

NPN 8800830 Licensed 2006

Benjamin Bliss

Life Including Variable Annuity & Health

NPN 17839789 Licensed 2016

Bradley D Estes

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

NPN 506654 Licensed 1987

View all 185 licensed business life producers in Debary →

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

Official Debary Resources

County Volusia County

Population ~22,310

Lack of insurance (18–64) 10.9%

FIPS code 1216675

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 Debary rates. Start your quote request below.

FL OIR .GOV Volusia County Gov Portal .GOV

3.0 8 reviews

Photos by Michael S , Michael S , Michael S via Google Maps

View on Google Maps

Debary City Hall

Open now · Mon 8:00 AM – 5:00 PM

(386) 668-2040

debary.org

16 Colomba Rd, DeBary, FL 32713, USA

Recent Reviews

Randy Pittman ★☆☆☆☆

"Went to Debary city hall. To inquire about a demolition permit. The employee . That I dealt with was rude. How dare me asking questions about doing it legal. She says .go to the portal. In which I di…"

Sophia Hermosilla ★★★★★

"As a permit tech for a busy roofing contractor, I run permits with Debary pretty often. The techs here are awesome. If you are consistent in giving them what they need to do their job, they won't give…"

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

⚡ Call me ASAP — I want to speak with an agent as soon as possible

Your info is secure · Never shared · June responds within 30 min

✅

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 Debary

More Insurance Options in Debary, 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 Debary, FL

Debary, FL — Your Local Producer

Licensed Business Life Producers in Debary

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Debary 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 Debary, 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?

Also Serving Volusia County

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

Crescent City Financial Security

The East Palatka Legacy Plan

Florahome Coverage Guide

Georgetown Coverage Guide

The Grandin Legacy Plan

Hollister Wealth Strategy

Interlachen Financial Security

Lake Como Financial Security

Palatka Life Protection

The Welaka Legacy Plan

Talk to a real person. Today.

Business Life Insurance Underwriting Scope

Official Debary Resources