Francis Joseph Garner, 69, president and founder of Armorplate Insurance Inc. and the Garner Insurance Agency Inc. of Washington and director emeritus of the Lions Eye Bank & Research Foundations, died of a cardipulmonary ailment Wednesday at the Washington Adventist Hospital.

Mr. Garner established the Garner Insurance Agency about 30 years ago and Armorplate Insurance about five years later. He was a founder of the Capital City Insurance Brokers Association.

A Lions Club member since 1953, he was a life member of Lions International and the Benning Lions Club, of which he was a past president and director emeritus. He served as a cabinet officer and as an aide to several past governors of Lions District 22-C and was a past president of the Lions Eye Bank and Research Foundations.

Mr. Garner was born and reared in Washington. He graduated from St. John's College High School and earned a bachelor's degree at old Columbus University.

He lived in Hyattsville and was a member of St. Mark's Catholic Church there.

Survivors include his wife, Irma, of Hyattsville; a son, F. Joseph, of Gaithersburg; four daughters, Mary Shanholtzer and Linda Gipe, both of White Plains, Md., Eileen Garner of Edgewater, Md., and Janet Beall of Dayton, Md.; two brothers, Robert and Herbert, both of Maryland; a sister, Marion Donald of Ridgewood, N.J., and 10 grandchildren.