June Marcia Williams

Your Insurance Agent in Deltona, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Deltona, FL...

National Producer No.

17209549

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Business Life Insurance in Deltona, FL

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

Business life insurance for Deltona, 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 · Deltona, FL

Deltona, FL — Your Local Producer

Hello, Deltona! I love the unique character of our community here in Volusia County, from the beautiful lakes to our quiet residential streets. As your neighbor, I understand the importance of protecting what matters most. That's why I'm dedicated to helping local families navigate their insurance options. As a licensed insurance producer, I can assist you with a range of personal policies, including Term Life, Whole Life, Final Expense, and Critical Illness plans. My goal is to provide clear, straightforward guidance so you can make informed decisions for your family's future. (June Marcia Williams, NPN: 17209549, Florida License No: W840529)

Deltona City Hall
Lyonia Preserve
Thornby Park

NPN17209549FL LicenseW840529

Licensed Business Life Producers in Deltona

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

Aaliyah Mccoy

Life Including Variable Annuity & Health

NPN 19157951 Licensed 2025

Aaron Daniel David

Life Including Variable Annuity & Health

NPN 22044404 Licensed 2025

Aaron Hernandez

Life Including Variable Annuity & Health

NPN 21771316 Licensed 2025

Adam Benalla

Life Including Variable Annuity & Health

NPN 21008900 Licensed 2023

Adeleke James Gbadamosi

Life Including Variable Annuity & Health

NPN 19737745 Licensed 2020

Adesola Akintunde Gbadamosi

Life Including Variable Annuity & Health

NPN 10132401 Licensed 2025

Afroza Sharif

Life Including Variable Annuity & Health

NPN 20982620 Licensed 2023

Akina Salmon

Life Including Variable Annuity & Health

NPN 20056938 Licensed 2021

Alan Alfred Wright

Life Including Variable Annuity & Health

NPN 17655302 Licensed 2015

Alberto Luis Rivera-Rivera

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

NPN 98974 Licensed 2024

Albyn Lemuel Roman

Life Including Variable Annuity & Health

NPN 20226490 Licensed 2022

Alex Sanchez

Life Including Variable Annuity & Health

NPN 20786310 Licensed 2023

Alexander Goncalves

Life Including Variable Annuity & Health

NPN 21032247 Licensed 2023

Alexander Molina Lozada

Life Including Variable Annuity & Health

NPN 20619022 Licensed 2023

Alicen Pearl Torres

Life Including Variable Annuity & Health

NPN 20441810 Licensed 2022

Alisa M Johnson

Life Including Variable Annuity & Health

NPN 19384427 Licensed 2019

Alisha Wells

Life Including Variable Annuity & Health

NPN 20594009 Licensed 2023

Alison Marie Iamesi

Life Including Variable Annuity & Health

NPN 21295268 Licensed 2024

Alondra Marie Diaz-Arroyo

Life Including Variable Annuity & Health

NPN 19992258 Licensed 2021

Alyssa Courtney Read

Life Including Variable Annuity & Health

NPN 18196334 Licensed 2016

Alyssa Janine Pittman

Life Including Variable Annuity & Health

NPN 21263262 Licensed 2024

Amalia Gomez

Life Including Variable Annuity & Health

NPN 17305748 Licensed 2014

Amanda M Kahn

Life Including Variable Annuity & Health

NPN 19297214 Licensed 2019

Amanda Nicole Ortiz Marrero

Life Including Variable Annuity & Health

NPN 20472395 Licensed 2022

View all 554 licensed business life producers in Deltona →

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

Official Deltona Resources

County Volusia County

Population ~94,373

Lack of insurance (18–64) 17.9%

FIPS code 1217200

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 Deltona rates. Start your quote request below.

FL OIR .GOV Volusia County Gov Portal .GOV

3.6 23 reviews

Photos by Patrick Smith , Adilson Urbano , Hugo Aguilera , City of Deltona via Google Maps

View on Google Maps

Deltona City Hall Complex

Open now · Mon 8:00 AM – 5:00 PM

(386) 878-8100

deltonafl.gov .GOV

2345 Providence Blvd, Deltona, FL 32725, USA

Recent Reviews

Matthew B ★★★☆☆

"With the amount of money set aside from the city the building isnt we'll maintained or secured. The audio for the city's meetings is terrible even after the IT was upgraded years ago. The city is piec…"

Peg Clevenger ★★★★★

"Yesterday I had a broken pipe outside. Water was spewing everywhere. I called the water department and they sent out two angels who fixed the problem. These men were polite and professional. They hand…"

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 Deltona

More Insurance Options in Deltona, 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 Deltona, FL

Deltona, FL — Your Local Producer

Licensed Business Life Producers in Deltona

🏢 Business Life Insurance Underwriting Scope

🏛️ Official Deltona 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 Deltona, 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 Deltona Resources