Life Insurance
Term Life Insurance Whole Life Insurance Universal Life (IUL) Final Expense Insurance
Supplemental Coverage
Critical Illness Hospital Indemnity Accident & Injury
Business & Specialty
Business Life Insurance Special Situations
Areas Served
New Jersey Pennsylvania Florida Maryland Virginia About Contact

Home›Maryland›Allegany County›Frostburg

June Marcia Williams — Licensed Insurance Agent in Frostburg, MD
June Marcia Williams
Your Insurance Agent in Frostburg, MD
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Frostburg, MD...
National Producer No.
17209549
Verify ↗

Trusted Life Insurance in Frostburg, MD | Local Expert

Securing Families Across Allegany County with 9 Tailored Product Lines

Why Frostburg Residents Rely on June for Complete Peace of Mind

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

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for Frostburg, 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 · Frostburg, MD

Frostburg, MD — Your Local Producer

As a fellow Marylander, I appreciate the distinct character of life here in Allegany County, from the historic charm of Frostburg's Main Street to the beauty of the surrounding mountains. It’s a special place to build a life and protect your family's future. My name is June Marcia Williams (NPN: 17209549), and as a licensed insurance producer in Maryland (License No: 3004137002), I am dedicated to helping my Frostburg neighbors navigate their options. I provide clear, personalized guidance for term life, final expense, and other coverages to help you secure your family's financial well-being.

  • Frostburg State University
  • The Palace Theatre
  • Great Allegheny Passage
NPN17209549MD License3004137002

Frostburg is home to approximately 7,100 residents in Allegany County, with a median age of 24.2 and a median household income of $44,700. About 51% of homes are owner-occupied; the median home value is $157,000. 40% of adults hold a bachelor's degree or higher; households with children make up 25%; veterans comprise 5% of residents. Average household size is 2.1. These demographic markers shape which life insurance products fit Frostburg households.

How Frostburg compares to Allegany County

ALLEGANY COUNTY · 68K RESIDENTS FROSTBURG · 7K RESIDENTS
Allegany County vs Frostburg — population comparison Allegany County: 68,161 residents. Frostburg: 7,118 residents, 10.4% of Allegany County population.
68,161 ALLEGANY COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
7,118 FROSTBURG RESIDENTS ↳ 10.4% of Allegany County residents
Underwriting Guidelines

How does high blood pressure impact life insurance underwriting in Frostburg, MD?

Many Frostburg residents secure competitive rates despite high blood pressure. Allegany County reports 36.4% adult prevalence (CDC PLACES); 36.7% also manage high cholesterol, 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 Frostburg families directly with the carriers who look most favorably on these specific health markers, eliminating the guesswork. View insurance in nearby Barrelville →

📊 Top Health Considerations (CDC)

Top Health Considerations for Frostburg (CITY) High cholesterol: 36.7%. High blood pressure: 36.4%. Obesity: 34.3%. Diagnosed diabetes: 11.7%. Current cigarette smoking: 14.8%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · FROSTBURG High cholesterol 36.7% High blood pressure 36.4% Obesity 34.3% Diagnosed diabetes 11.7% Current cigarette smoking 14.8% 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 ~7,118
Lack of health insurance (18–64) 7.5%

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

FIPS code 2430900
Google Maps
4.4 7 reviews
Frostburg City Hall photo 1Frostburg City Hall photo 2Frostburg City Hall photo 3Frostburg City Hall photo 4
Photos by Jackson Moore , jonathan schadt , Keep Life Simple Allan , Hardy Lee via Google Maps
View on Google Maps
Frostburg City Hall
Open now · Mon 8:00 AM – 4:00 PM
(301) 689-6000
frostburgcity.org
37 S Broadway, Frostburg, MD 21532, USA
Recent Reviews
TERRENCE MCKENZIE ★★★★★
"Paid bill. Staff very courteous!!"
McKenzieH ★☆☆☆☆
"Water constantly shut off. Will never give you notice ahead of time, or give you an ETA on when it will turn back on."
Available in Frostburg

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 Frostburg.

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 Frostburg

30 Cities · 3 Counties
Frederick County10
AdamstownBallenger CreekBrunswickEmmitsburgFrederickJeffersonMonroviaPoint Of RocksRocky RidgeWalkersville
Allegany CountyHome10
BarrelvilleClarysvilleCumberlandFranklinKlondikeMccooleMidlothianOceanSpring GapWoodland
Montgomery County10
BeallsvilleBrinklowCloverlyDarnestownFlower HillFriendship Heights VillageGaithersburgMontgomery VillageRedlandSpencerville
Official Resources

Know your rights in Frostburg.

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

Frostburg insurance — answered.

💰

How much does life insurance cost in Frostburg?

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.

Frostburg
📋

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 Frostburg?

Yes. June serves all of Frostburg 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 Franklin Allegany County, MD 10 products available
•
You Are Here Frostburg Allegany County, MD
•
Next → Gilmore Allegany County, MD 10 products available

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
Select a time and we'll call you · Serving NJ, PA, FL, MD & VA
🛡️ Get Your Quote 📅 Schedule a Call
Ask Lia