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Home›Maryland›Allegany County›Ocean

June Marcia Williams — Licensed Insurance Agent in Ocean, MD
June Marcia Williams
Your Insurance Agent in Ocean, MD
NJ #1543971
PA #767197
FL #W840529
MD #3004137002
VA #1575461
Live Status: Servicing Ocean, MD...
National Producer No.
17209549
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Expert Life Insurance Agent in Ocean, MD | 12+ Years Experience

Top-Rated Financial Protection for Ocean Residents

Honest, Local Insurance Guidance for Your Family's Future in Allegany County

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

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

Ocean, MD — Your Local Producer

Hello to my neighbors in Ocean and throughout Allegany County. Living here in the mountains gives us a special appreciation for community and looking out for one another. As your local licensed insurance producer, I'm here to help you do just that for your own family. I can help you explore options for life insurance, final expense, and other personal policies to secure your financial future. My goal is to make the process clear and straightforward. I'm June Marcia Williams, ready to help you prepare for tomorrow. (NPN: 17209549, MD License: 3004137002)

  • MD-36 (New Georges Creek Road SW)
  • Dan's Rock Overlook
  • Georges Creek
NPN17209549MD License3004137002

Ocean is home to approximately 6,900 residents in Allegany County, with a median age of 55.5 and a median household income of $62,400. About 73% of homes are owner-occupied; the median home value is $333,000. 39% of adults hold a bachelor's degree or higher; households with children make up 13%; veterans comprise 9% of residents. Average household size is 1.8. These demographic markers shape which life insurance products fit Ocean households.

How Ocean compares to Allegany County

ALLEGANY COUNTY · 68K RESIDENTS OCEAN · 7K RESIDENTS
Allegany County vs Ocean — population comparison Allegany County: 68,161 residents. Ocean: 6,879 residents, 10.1% of Allegany County population.
68,161 ALLEGANY COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
6,879 OCEAN RESIDENTS ↳ 10.1% of Allegany County residents
Underwriting Guidelines

Does current cigarette smoking affect life insurance rates in Ocean, MD?

Ocean applicants with current cigarette smoking qualify routinely. The local risk pool — Allegany County's ~67,000 residents, 9.4% without health coverage — shows 14.8% adult prevalence of current cigarette smoking and 11.4% with current asthma. Top-rated carriers price these conditions transparently when application data is complete and recent.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Ocean (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 · OCEAN 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 ~6,879
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 2458215
Google Maps
4.1 24 reviews
Town of Ocean City Maryland photo 1Town of Ocean City Maryland photo 2Town of Ocean City Maryland photo 3Town of Ocean City Maryland photo 4
Photos by Town of Ocean City Maryland , M&M Family trips , Rohan Reddy , Deeley “Deeley OC Realtor” Chester via Google Maps
View on Google Maps
Town of Ocean City Maryland
Open now · Mon 8:00 AM – 4:30 PM
(410) 289-8221
oceancitymd.gov .GOV
301 Baltimore Ave, Ocean City, MD 21842, USA
Recent Reviews
DQ Ton ★★☆☆☆
"I love going to the beach and boardwalk in Ocean City, MD. I have been driving down from PA for many years. Me and the family always find a nice condo to rent and normally stay about a week. NOW, to g…"
Julie Haley ★★★★☆
"Since it was hot during the day, we made trips to some of the local nearby towns and indoor ocean city experiences and did the boardwalk In late afternoon and evening hours. It made for a more rounded…"
Available in Ocean

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 Ocean.

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 Ocean

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

Know your rights in Ocean.

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

Ocean insurance — answered.

💰

How much does life insurance cost in Ocean?

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.

Ocean
📋

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 Ocean?

Yes. June serves all of Ocean 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.

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