June Marcia Williams

Your Insurance Agent in Chipley, FL

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

Live Status: Servicing Chipley, FL...

National Producer No.

17209549

Verify ↗

Universal Life Insurance in Chipley, FL

Market-linked growth with guaranteed downside protection.

Universal life insurance for Chipley, 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 · Chipley, FL

Chipley, FL — Your Local Producer

For my neighbors in Chipley and across Washington County, I know our community is built on taking care of family and planning for the future. As a licensed insurance producer right here in Florida, my goal is to help you do just that. I'm June Marcia Williams (NPN: 17209549, Florida License No: W840529), and I'm here to help you navigate your options for personal insurance, whether it's Term Life, Whole Life, Final Expense, or policies for critical illness and accidents. I offer personalized guidance to find coverage that fits your unique situation.

Washington County Courthouse
Falling Waters State Park
Pals Park

NPN17209549FL LicenseW840529

Licensed Universal Life Producers in Chipley

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

Alec Richard Saunders

Life Including Variable Annuity & Health

NPN 17441363 Licensed 2014

Alexandra Nichole Spurlock

Life Including Variable Annuity & Health

NPN 20128733 Licensed 2021

Alicia Ammons

Life Including Variable Annuity & Health

NPN 11609088 Licensed 2022

Anita S Lee

Life Including Variable Annuity & Health

NPN 8928808 Licensed 2006

Ashley Alyssa Cumbie

Life Including Variable Annuity & Health

NPN 19688371 Licensed 2020

Aura Nicole Tate

Life Including Variable Annuity & Health

NPN 21355839 Licensed 2024

Barry Lynn Massey

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

NPN 555743 Licensed 2000

Beau Brandon Owen

Life Including Variable Annuity & Health

NPN 20470718 Licensed 2022

Bobby Wayne Jencks

Life Including Variable Annuity & Health

NPN 21716615 Licensed 2025

Brandi Renee' Rochester

Life Including Variable Annuity & Health

NPN 19262376 Licensed 2019

Briar Morris

Life Including Variable Annuity & Health

NPN 21535137 Licensed 2025

Brittany Johnson

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

NPN 15535577 Licensed 2014

Carmen Carmelo

Life Including Variable Annuity & Health

NPN 16263197 Licensed 2024

Cherl Lynn Mcleroy

Life Including Variable Annuity & Health

NPN 18378751 Licensed 2017

Chloe Dean Sanders

Life Including Variable Annuity & Health

NPN 20521830 Licensed 2022

Craig Adam Dellwo

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

NPN 8647213 Licensed 2006

Danielle Chambers Rowe

Life Including Variable Annuity & Health

NPN 18430181 Licensed 2017

Dante B Mckinnie

Life Including Variable Annuity & Health

NPN 21646701 Licensed 2025

Darian Leonberger

Life Including Variable Annuity & Health

NPN 20770875 Licensed 2023

Elwyn Juadon Smith

Life Including Variable Annuity & Health

NPN 8261379 Licensed 2021

Erica Michelle Buckbee

Life Including Variable Annuity & Health

NPN 19450813 Licensed 2020

Garland Stuart Gibson

Life Including Variable Annuity & Health

NPN 20970783 Licensed 2023

Harry E Barton

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

NPN 491070 Licensed 1981

Inez K Nowell

Life Including Variable Annuity & Health

NPN 480320 Licensed 2007

View all 58 licensed universal life producers in Chipley →

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

Official Chipley Resources

County Washington County

Population ~3,644

Lack of insurance (18–64) 15.6%

FIPS code 1211975

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 Chipley rates. Start your quote request below.

FL OIR .GOV Washington County Gov Portal .GOV

3.0 4 reviews

View on Google Maps

Chipley City Hall

Open now · Mon 8:00 AM – 4:00 PM

(850) 638-6350

cityofchipley.com

1442 W Jackson Ave, Chipley, FL 32428, USA

Recent Reviews

Tabitha Maneiro ★☆☆☆☆

"Was charged a reconnection fee of $31 on my water bill when my water was never turned off. They say they have a work order that says they cut it off and turned it back on the next day. I explained to …"

Koala Bean ★★★★★

"Patty was so kind and helpful to my husband and I while we were in need on the right steps to take with our family business. Thanks again to Patty and the helpful staff this morning. We appreciate it."

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.

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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 Chipley

More Insurance Options in Chipley, 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 Chipley, FL

Chipley, FL — Your Local Producer

Licensed Universal Life Producers in Chipley

📈 Universal Life Insurance Underwriting Scope

🏛️ Official Chipley 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 Chipley, 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 Chipley Resources