June Marcia Williams

Your Licensed Insurance Agent

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

National Producer No.

17209549

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Top-Tier Life Insurance in Maryland | Dedicated Local Protection

Guiding 24 Maryland Counties to Straightforward, Budget-Friendly Coverage

Why Marylanders Choose June Marcia Williams for Honest Insurance Advice

Protect your family with coverage tailored to Maryland residents. 24 counties. 682 municipalities. One licensed agent.

June Marcia Williams holds an active Maryland producer license (#3004137002, NPN 17209549) covering 24 counties — term, whole, universal, and supplemental life insurance with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent

🛡️ Get Your Quote 📅 Schedule a Call

🛡️ NPN Verified

⭐ 5-Star Service

❤️ 3K+ Satisfied

Statewide Service · MD

Serving Families Across Maryland

As a proud Marylander, I am dedicated to serving my fellow residents with personalized insurance solutions. My name is June Marcia Williams, and I am a licensed insurance producer (NPN: 17209549) operating strictly under the consumer protection frameworks established by the Maryland Insurance Administration (License No: 3004137002). From the vibrant streets of Baltimore to the serene landscapes of the Eastern Shore, I provide guidance on a range of personal insurance options, including Term Life, Whole Life, Final Expense, and Critical Illness plans. My commitment is to offer clear, compliant, and compassionate service to individuals and families throughout the great state of Maryland, helping you navigate your options with confidence.

Maryland State House
Baltimore Metropolitan Area
Chesapeake Bay

NPN17209549MD License3004137002Regulated byMaryland Insurance Administration

Maryland is home to approximately 6.2M residents across 24 counties, with a median age of 39.1 and a median household income of $98,500. About 68% of homes statewide are owner-occupied; the median home value is $381,000. 42% of adults hold a bachelor's degree or higher; households with children comprise 31%; veterans account for 6% of the adult population. These statewide demographic markers inform how A-rated carriers price coverage for Maryland residents.

How Maryland compares to the United States

UNITED STATES · 333.3M RESIDENTS MARYLAND · 6.2M RESIDENTS

333,287,557 UNITED STATES POPULATION ↳ 1 cell ≈ 1,000,000 residents

6,161,707 MARYLAND RESIDENTS ↳ 1.8% of United States residents

STATE SERVICE AREA

OFFICIAL STATE PORTAL

maryland.gov

State-regulated life insurance market · Maryland Insurance Administration

MD Insurance Admin. · Insurance Registry.GOV

STATE FIPS24

ACTIVE COUNTIES24

CITIES SERVED491

PRODUCTS10

NPN17209549

MD LIC #3004137002

4.7540reviews

"Completed in 1779, this state capitol & site of many historic events offers exhibits & tours." Google editorial · Maryland State House

Photos by Vincent Lopez, Marc Mc, Alpha Dog, 自强不息 via Google Maps

View on Google Maps

Maryland State House

Open now · Mon 9:00 AM – 5:00 PM

(410) 974-3400

msa.maryland.gov.GOV

100 State Cir, Annapolis, MD 21401, USA

Recent Reviews

J. Emerson★★★★★

"Really enjoyed having a look around this place. Although renovations are currently taking place, the interior is still mostly accessible. There are a lot of informative exhibits that talk about variou…"

Ralph rendon★★★★★

"This place is really good for those who want to look around and see how much Maryland has to offer. What amazingly amazing this is! And the best part? Oh, the best part? The biggest best part? It’s fr…"

Products Available

Nine product lines available in Maryland.

Life insurance, supplemental health, and business protection — all from one licensed agent.

🛡️ Life Insurance

Term Life

Level-premium protection for 10, 20, or 30 years. Designed to cover mortgages, income replacement, and family obligations.

Explore Term Life Options 💎 Life Insurance

Whole Life

Permanent coverage with guaranteed cash value accumulation. Lifetime protection that doubles as a financial asset.

Explore Whole Life Options 📈 Life Insurance

Universal Life

Flexible premiums with index-linked growth potential. Adjustable coverage that adapts to your financial goals over time.

Explore Universal Life Options 🏥 Supplemental Health

Critical Illness

Lump-sum benefit upon diagnosis of a covered condition — cancer, heart attack, stroke, and more. Use it however you need.

Explore Critical Illness Options 🏨 Supplemental Health

Hospital Indemnity

Daily cash benefit for hospital stays, regardless of other insurance. Covers deductibles, lost wages, and out-of-pocket costs.

Explore Hospital Indemnity Options ⚡ Supplemental Health

Accident & Injury

Cash benefits for accidents — fractures, dislocations, burns, emergency transport. Pays on top of your existing health plan.

Explore Accident Coverage Options 🏢 Business

Business Life

Key person, buy-sell funding, and executive benefits. Protect your business from the financial impact of losing a critical contributor.

Explore Business Life Options 🔑 Specialized

Special Situations

Pre-existing conditions, no-exam options, marijuana users, high-risk applicants. Coverage solutions when standard plans say no.

Explore Special Situations Options 🕊️ Life Insurance

Final Expense

Covers funeral, burial, cremation, and end-of-life costs. No medical exam. Ages 50–85. Premiums never increase.

Explore Final Expense Options

Statewide Directory

Select your county to view local underwriting availability.

Providing verified risk classifications and independent portal access across all 24 Maryland counties.

Regional Risk Matrix

Localized policy options by product line.

Review active risk variables, carrier compliance parameters, and regional premium classifications specific to your state.

🛡️ Term Life

24 Counties

Affordable Charles County Term Life Affordable term life rates across Charles County, MD. 23 cities covered. Top-Rated St Marys County Term Life Income replacement coverage for St Marys County families. Level premiums from a 12-year agent. Compare Prince Georges County Term Life Compare term life quotes from top carriers in Prince Georges County, MD. Best Calvert County Term Life Calvert County family protection. 10, 20, or 30-year level-premium options. Local Howard County Term Life Local term life expertise in Howard County. Living benefits included. Affordable Anne Arundel County Term Life Affordable term life rates across Anne Arundel County, MD. 48 cities covered. Top-Rated Montgomery County Term Life Income replacement coverage for Montgomery County families. Level premiums from a 12-year agent. Compare Frederick County Term Life Compare term life quotes from top carriers in Frederick County, MD. Best Harford County Term Life Harford County family protection. 10, 20, or 30-year level-premium options. Local Baltimore County Term Life Local term life expertise in Baltimore County. Living benefits included. Affordable Carroll County Term Life Affordable term life rates across Carroll County, MD. 16 cities covered. Top-Rated Allegany County Term Life Income replacement coverage for Allegany County families. Level premiums from a 12-year agent. Compare Garrett County Term Life Compare term life quotes from top carriers in Garrett County, MD. Best Talbot County Term Life Talbot County family protection. 10, 20, or 30-year level-premium options. Local Queen Annes County Term Life Local term life expertise in Queen Annes County. Living benefits included. Affordable Kent County Term Life Affordable term life rates across Kent County, MD. 15 cities covered. Top-Rated Dorchester County Term Life Income replacement coverage for Dorchester County families. Level premiums from a 12-year agent. Compare Caroline County Term Life Compare term life quotes from top carriers in Caroline County, MD. Best Washington County Term Life Washington County family protection. 10, 20, or 30-year level-premium options. Local Wicomico County Term Life Local term life expertise in Wicomico County. Living benefits included. Affordable Worcester County Term Life Affordable term life rates across Worcester County, MD. 14 cities covered. Top-Rated Somerset County Term Life Income replacement coverage for Somerset County families. Level premiums from a 12-year agent. Compare Cecil County Term Life Compare term life quotes from top carriers in Cecil County, MD. Best Baltimore City Term Life Baltimore City family protection. 10, 20, or 30-year level-premium options.

💎 Whole Life

24 Counties

Affordable Charles County Whole Life Cash value and legacy planning in Charles County, MD. 23 cities covered. Top-Rated St Marys County Whole Life Build tax-deferred wealth with whole life in St Marys County. Guaranteed cash value. Compare Prince Georges County Whole Life Prince Georges County permanent coverage. Lifetime protection doubling as a financial asset. Best Calvert County Whole Life Whole life insurance for Calvert County estate planning. 18 cities served. Local Howard County Whole Life Local whole life agent covering Howard County, MD. Cash value from day one. Affordable Anne Arundel County Whole Life Cash value and legacy planning in Anne Arundel County, MD. 48 cities covered. Top-Rated Montgomery County Whole Life Build tax-deferred wealth with whole life in Montgomery County. Guaranteed cash value. Compare Frederick County Whole Life Frederick County permanent coverage. Lifetime protection doubling as a financial asset. Best Harford County Whole Life Whole life insurance for Harford County estate planning. 23 cities served. Local Baltimore County Whole Life Local whole life agent covering Baltimore County, MD. Cash value from day one. Affordable Carroll County Whole Life Cash value and legacy planning in Carroll County, MD. 16 cities covered. Top-Rated Allegany County Whole Life Build tax-deferred wealth with whole life in Allegany County. Guaranteed cash value. Compare Garrett County Whole Life Garrett County permanent coverage. Lifetime protection doubling as a financial asset. Best Talbot County Whole Life Whole life insurance for Talbot County estate planning. 16 cities served. Local Queen Annes County Whole Life Local whole life agent covering Queen Annes County, MD. Cash value from day one. Affordable Kent County Whole Life Cash value and legacy planning in Kent County, MD. 15 cities covered. Top-Rated Dorchester County Whole Life Build tax-deferred wealth with whole life in Dorchester County. Guaranteed cash value. Compare Caroline County Whole Life Caroline County permanent coverage. Lifetime protection doubling as a financial asset. Best Washington County Whole Life Whole life insurance for Washington County estate planning. 62 cities served. Local Wicomico County Whole Life Local whole life agent covering Wicomico County, MD. Cash value from day one. Affordable Worcester County Whole Life Cash value and legacy planning in Worcester County, MD. 14 cities covered. Top-Rated Somerset County Whole Life Build tax-deferred wealth with whole life in Somerset County. Guaranteed cash value. Compare Cecil County Whole Life Cecil County permanent coverage. Lifetime protection doubling as a financial asset. Best Baltimore City Whole Life Whole life insurance for Baltimore City estate planning. 2 cities served.

📈 Universal Life

24 Counties

🏥 Critical Illness

24 Counties

🏨 Hospital Indemnity

24 Counties

⚡ Accident & Injury

24 Counties

🏢 Business Life

24 Counties

🔑 Special Situations

24 Counties

🕊️ Final Expense

24 Counties

Official Resources

Know your rights in Maryland.

State and federal resources for insurance consumers. Verify, research, protect.

Maryland Insurance Administration

File complaints, verify agent licenses, and understand your rights under Maryland insurance law.

Visit insurance.maryland.gov →.GOV

Verify Agent License (NIPR)

Look up any insurance agent's National Producer Number, active licenses, and state appointments. June's NPN: 17209549.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides from the National Association of Insurance Commissioners on choosing life insurance, understanding policy types, and filing complaints.

Visit content.naic.org →.ORG

FTC Life Insurance Guide

The Federal Trade Commission's consumer guide — what to watch for when buying life insurance, how to compare options, and your federal protections.

Visit www.iii.org →.GOV

Maryland Consumer Insurance Guide

Consumer resources from MD Insurance Admin. — policy types, replacement rules, the free-look period, and how to file a complaint in Maryland.

Visit insurance.maryland.gov →.GOV

USA.gov Insurance Basics

Federal overview of life insurance types, how policies work, and what questions to ask your agent before buying coverage.

Visit www.usa.gov →.GOV

Frequently Asked Questions

Maryland life insurance — answered.

Eight questions covering all product lines. Every answer MD-specific.

💰

How much does life insurance cost in Maryland?

Rates vary based on age, health, coverage amount, and policy type. Term life is generally the most affordable, while whole and universal carry higher premiums due to cash value features. A licensed agent can compare carriers for your specific situation.

MD Rates

⚱️

What is the average funeral cost in MD?

Approximately $9,443 in Maryland. Final expense insurance covers burial, memorial services, and end-of-life medical bills — helping families avoid this financial burden during an already difficult time.

MD Data

🔑

Can I get coverage with a pre-existing condition in MD?

Yes. Multiple carriers in Maryland offer coverage for diabetes, high blood pressure, heart disease, and cancer history. Options range from simplified-issue policies to guaranteed-issue. Rates and availability vary by carrier and condition.

Special Situations

📋

What types of insurance are available in MD?

MD residents have access to term life, whole life, universal life, final expense, critical illness, hospital indemnity, accident & injury, business life, and specialized coverage.

9 Product Lines

✅

How do I verify a MD insurance agent's license?

Verify through the state Department of Insurance or NIPR (nipr.com). June Marcia Williams — NPN 17209549, MD License #1543971.

Trust & Verification

🏛️

Does Maryland regulate life insurance rates?

The state Department of Insurance oversees insurance regulation. Rates are set by carriers and approved by the state but are not price-fixed — they vary by carrier, making it important to compare options through a licensed agent.

MD Regulation

🏥

What is critical illness insurance in MD?

Critical illness pays a lump-sum cash benefit upon diagnosis of cancer, heart attack, stroke, or organ failure. It supplements health insurance by covering deductibles, lost wages, and non-medical expenses.

Critical Illness

🏢

Can a MD business insure key employees?

Yes. Key person insurance protects Maryland businesses from the financial impact of losing a critical contributor. Buy-sell agreements funded by life insurance ensure smooth ownership transitions.

Business Life

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