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Home›Maryland›Allegany County›Cumberland

June Marcia Williams — Licensed Insurance Agent in Cumberland, MD
June Marcia Williams
Your Insurance Agent in Cumberland, MD
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Cumberland, MD...
National Producer No.
17209549
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Secure Your Family's Future | Custom Life Insurance in Cumberland

Dedicated Coverage Options from Final Expense to Term Life in Allegany County

The Smart Choice for Dependable Life Insurance in Cumberland, MD

Your local licensed agent in Cumberland, Allegany County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for Cumberland, Allegany County, Maryland residents — fully-underwritten, simplified-issue, and final-expense products 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
Right here · Cumberland, MD

Cumberland, MD — Your Local Producer

Hello, Cumberland! As a fellow Marylander who appreciates the unique character of Allegany County, I'm proud to serve our community. My name is June Marcia Williams, and as a licensed insurance producer, I'm dedicated to helping my neighbors find personal insurance solutions that fit their lives. From securing your family's future with Term or Whole Life insurance to planning for the unexpected with Final Expense or Critical Illness policies, I provide clear, straightforward guidance. My goal is to help you understand your options so you can make confident decisions. (NPN: 17209549, Maryland License No: 3004137002)

  • Western Maryland Scenic Railroad
  • C&O Canal National Historical Park
  • Allegany College of Maryland
NPN17209549MD License3004137002

Cumberland is home to approximately 19,000 residents in Allegany County, with a median age of 41.8 and a median household income of $45,900. About 59% of homes are owner-occupied; the median home value is $120,000. 22% of adults hold a bachelor's degree or higher; households with children make up 25%; veterans comprise 7% of residents. Average household size is 2.1. These demographic markers shape which life insurance products fit Cumberland households.

How Cumberland compares to Allegany County

ALLEGANY COUNTY · 68K RESIDENTS CUMBERLAND · 19K RESIDENTS
Allegany County vs Cumberland — population comparison Allegany County: 68,161 residents. Cumberland: 19,041 residents, 27.9% of Allegany County population.
68,161 ALLEGANY COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
19,041 CUMBERLAND RESIDENTS ↳ 27.9% of Allegany County residents
Underwriting Guidelines

What rate class can Cumberland applicants with high cholesterol expect from life insurance carriers?

Many Cumberland residents secure competitive rates despite high cholesterol. Allegany County reports 38.9% adult prevalence (CDC PLACES); 37.9% also manage obesity, with 9.4% of the ~67,000 population lacking health insurance. Carriers offer fully underwritten and simplified-issue paths sized to the clinical specifics.

Our underwriting team matches Cumberland families directly with the carriers who look most favorably on these specific health markers, eliminating the guesswork. View insurance in nearby Potomac Park →

📊 Top Health Considerations (CDC)

Top Health Considerations for Cumberland (CITY) High cholesterol: 38.9%. High blood pressure: 41.7%. Obesity: 37.9%. Diagnosed diabetes: 14.3%. Current cigarette smoking: 19.1%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CUMBERLAND High cholesterol 38.9% High blood pressure 41.7% Obesity 37.9% Diagnosed diabetes 14.3% Current cigarette smoking 19.1% Data sourced directly from the CDC PLACES Dataset.

Tier projection blends county-level prevalence with carrier underwriting bands. Higher prevalence shifts more of each bar into Standard and Rated/Watch segments. Use as a county baseline, not an individual underwriting outcome.

Preferred Range
Standard
Rated / Watch

Official City Resources

Allegany County Gov Portal .GOV
Population ~19,041
Lack of health insurance (18–64) 10.2%

Healthcare-access indicator. Localized rates correlate with simplified-issue and final-expense product fit. Source: CDC PLACES (BRFSS).

FIPS code 2421325
Google Maps
4.0 5 reviews
Cumberland City Hall photo 1Cumberland City Hall photo 2Cumberland City Hall photo 3Cumberland City Hall photo 4
Photos by Keep Life Simple Allan , Nicole Pringle , Nicole Pringle , Doug Riegner via Google Maps
View on Google Maps
Cumberland City Hall
Open now · Mon 8:00 AM – 4:00 PM
(301) 722-2000
ci.cumberland.md.us
57 N Liberty St, Cumberland, MD 21502, USA
Recent Reviews
Bob Gunther ★★★★★
"Thanks to all the city employees that got our roads clear today. I appreciate it because I doordash and can't work if the roads are not passable"
Pat Stakem ★★★★☆
"worth visiting, to see the mural painted up in the rotunda."
Available in Cumberland

Your coverage options.

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.

Lock My Term Rate 💎 Life Insurance

Whole Life

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

Build My Legacy Plan 📈 Life Insurance

Universal Life

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

Grow My Wealth Tax-Free 🏥 Supplemental Health

Critical Illness

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

Secure Illness Cash 🏨 Supplemental Health

Hospital Indemnity

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

Get Hospital Cash Coverage ⚡ Supplemental Health

Accident & Injury

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

Lock In Accident Protection 🏢 Business

Business Life

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

Protect My Business 🔑 Specialized

Special Situations

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

Find My Coverage Solution 🕊️ Life Insurance

Final Expense

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

Secure Final Expense Coverage
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Coverage Across Allegany County and Neighboring Maryland Counties

Cities served near Cumberland.

June Marcia Williams writes life insurance and supplemental health policies across Allegany County and adjacent Maryland counties — all within the same Maryland regulatory framework.

🌟 Cities Served near Cumberland

30 Cities · 3 Counties
Carroll County10
CarrolltonGreenmountHampsteadManchesterMount AiryNew WindsorPatapscoSykesvilleTaneytownWoodbine
Allegany CountyHome10
BarrelvilleClarysvilleFranklinFrostburgKlondikeMccooleMidlothianOceanSpring GapWoodland
Garrett County10
AccidentBloomingtonDeer ParkFinzelFriendsvilleGrantsvilleJenningsLoch Lynn HeightsShallmarSwanton
Official Resources

Know your rights in Cumberland.

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 June's NPN (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides on choosing life insurance, understanding policy types, and filing complaints.

Visit naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for and your federal protections.

Visit ftc.gov →.GOV
Frequently Asked Questions

Cumberland insurance — answered.

💰

How much does life insurance cost in Cumberland?

Rates vary based on age, health, coverage amount, and policy type. Term life is generally the most affordable. A licensed agent can compare carriers for your specific situation.

Cumberland
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage — all from one licensed agent.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for diabetes, high blood pressure, heart disease, and cancer history. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Cumberland?

Yes. June serves all of Cumberland and every municipality in Allegany County. Licensed in five states: NJ, PA, FL, MD, and VA.

Full Coverage
🏥

What is critical illness insurance?

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

Critical Illness
✅

How do I verify June's MD license?

Verify through MD Insurance Admin. at insurance.maryland.gov or NIPR at nipr.com. June Marcia Williams — NPN 17209549, MD License #3004137002.

Verified
Nearby Cities

Coverage continues next door.

← Previous Cresaptown Allegany County, MD 10 products available
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Next → Danville Allegany County, MD 10 products available

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