June Marcia Williams

Your Insurance Agent in South Daytona, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing South Daytona, FL...

National Producer No.

17209549

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Business Life Insurance in South Daytona, FL

June Williams — buy-sell agreements, SBA loan coverage, succession planning.

Business life insurance for South Daytona, 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 · South Daytona, FL

South Daytona, FL — Your Local Producer

Hello, South Daytona! As a fellow Floridian, I appreciate the unique, community-focused lifestyle we enjoy here in Volusia County, from the Halifax River's breezes to our friendly neighborhoods. My name is June Marcia Williams, and I'm a licensed insurance producer dedicated to helping my neighbors navigate their options for life and health insurance. Whether you're planning for your family's future with term or whole life, or seeking protection against unexpected events with critical illness or final expense coverage, I'm here to provide clear, personalized guidance. Let's work together to find a plan that fits your life. (NPN: 17209549, FL License: W840529)

Reed Canal Park
South Daytona Elementary School
Intersection of S Ridgewood Ave and Beville Rd

NPN17209549FL LicenseW840529

Licensed Business Life Producers in South Daytona

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

Alex John Nusbaum

Life Including Variable Annuity & Health

NPN 21637068 Licensed 2025

Allorra Renee Encarnacion

Life Including Variable Annuity & Health

NPN 18862000 Licensed 2018

Amber Lace Baginski

Life Including Variable Annuity & Health

NPN 20087132 Licensed 2021

Andrew Stephen Ketelaar

Life Including Variable Annuity & Health

NPN 21124903 Licensed 2024

Ashley Geiger

Life Including Variable Annuity & Health

NPN 21565228 Licensed 2025

Bambi Lynn Sinclair

Life Including Variable Annuity & Health

NPN 17582310 Licensed 2025

Brandon James Lanes

Life Including Variable Annuity & Health

NPN 20076076 Licensed 2021

Brandon Terry Ingoldsby

Life Including Variable Annuity & Health

NPN 20620518 Licensed 2023

Candice Paige Neel

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

NPN 21392021 Licensed 2024

Carol M Dewey

Life Including Variable Annuity & Health

NPN 1926830 Licensed 2008

Christopher Dean Bazzle

Life Including Variable Annuity & Health

NPN 21183827 Licensed 2024

Christopher Jon Harshaw

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

NPN 442613 Licensed 1998

Devon Christopher O'Donnell

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

NPN 11057567 Licensed 2008

Dolores Marie Roarke

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

NPN 18681506 Licensed 2018

Douglas James Kosarek

Life Including Variable Annuity & Health

NPN 526421 Licensed 2018

Dylan Ramirez

Life Including Variable Annuity & Health

NPN 21007770 Licensed 2023

Elka Daliah Smith

Life Including Variable Annuity & Health

NPN 17572846 Licensed 2023

Frankie Evelyn Riddle

Life Including Variable Annuity & Health

NPN 21549573 Licensed 2025

Gordon Lee Gillespie

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

NPN 434930 Licensed 1993

Howard R Verfaillie

Life Including Variable Annuity & Health

NPN 749059 Licensed 2026

Jacquelyn M Randall

Life Including Variable Annuity & Health

NPN 20986561 Licensed 2023

James Clifford Scott

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

NPN 475820 Licensed 1972

Jermon N Williams

Life Including Variable Annuity & Health

NPN 21008889 Licensed 2023

Johnpaul Rafeal Lebrun

Life Including Variable Annuity & Health

NPN 20577082 Licensed 2023

View all 55 licensed business life producers in South Daytona →

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 South Daytona regional market. Rates are localized using regional health baselines.

Official South Daytona Resources

County Volusia County

Population ~13,132

Lack of insurance (18–64) 12.2%

FIPS code 1267325

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 South Daytona rates. Start your quote request below.

FL OIR .GOV Volusia County Gov Portal .GOV

2.8 31 reviews

Photos by feng zou lee via Google Maps

View on Google Maps

City of South Daytona

Open now · Mon 8:00 AM – 4:30 PM

(386) 322-3000

southdaytona.org

1672 S Ridgewood Ave, South Daytona, FL 32119, USA

Recent Reviews

feng zou lee ★★★★★

"How beautiful view of City of South Daytona"

Jacqueline Jones ★★★★★

"The City of South Daytona must be fully conscious of all hiring practices as it relates to hiring its law enforcement agents. Diversity and inclusion has been very controversial these days to fill pos…"

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 South Daytona

More Insurance Options in South Daytona, 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 South Daytona, FL

South Daytona, FL — Your Local Producer

Licensed Business Life Producers in South Daytona

🏢 Business Life Insurance Underwriting Scope

🏛️ Official South Daytona 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 South Daytona, 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 South Daytona Resources