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

Top-Rated Financial Protection for Shaft Residents

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

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

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for Shaft, Allegany County, Maryland residents — fully-underwritten, simplified-issue, and final-expense products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
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🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Shaft, MD

Shaft, MD — Your Local Producer

Hello to my neighbors in Shaft. Living here in Allegany County, we appreciate our strong community bonds and the quiet life we've built. As your local licensed insurance producer, my goal is to help you protect what matters most. Whether you're thinking about securing your family's future with Term or Whole Life insurance, planning for final expenses, or exploring options for critical illness or accident coverage, I'm here to help you navigate the choices. My commitment is to provide clear, personalized guidance so you feel confident in your decisions. I'm June Marcia Williams (NPN: 17209549, Maryland License No: 3004137002).

  • Shaft Volunteer Fire Department
  • Shaft Methodist Church
  • Intersection of Shaft Road and Old Legislative Road
NPN17209549MD License3004137002

Shaft is home to approximately 281 residents in Allegany County, with a median age of 58.5. About 100% of homes are owner-occupied. 52% of adults hold a bachelor's degree or higher; households with children make up 11%; veterans comprise 4% of residents. Average household size is 2.1. These demographic markers shape which life insurance products fit Shaft households.

How Shaft compares to Allegany County

ALLEGANY COUNTY · 68K RESIDENTS SHAFT · 281 RESIDENTS
Allegany County vs Shaft — population comparison Allegany County: 68,161 residents. Shaft: 281 residents, 0.4% of Allegany County population.
68,161 ALLEGANY COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
281 SHAFT RESIDENTS ↳ 0.4% of Allegany County residents
Underwriting Guidelines

Does obesity affect life insurance rates in Shaft, MD?

Shaft applicants with obesity qualify routinely. The local risk pool — Allegany County's ~68,000 residents, 9.4% without health coverage — shows 34.3% adult prevalence of obesity and 31.9% with arthritis. Top-rated carriers price these conditions transparently when application data is complete and recent.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Grahamtown →

📊 Top Health Considerations (CDC)

Top Health Considerations for Shaft (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 · SHAFT 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 ~281
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 2471460
Google Maps
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Available in Shaft

Life Insurance Products in Shaft, MD

9 insurance products available in Shaft

🛡️ Life Insurance

Term Life

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

View Term Life 💎 Life Insurance

Whole Life

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

View Whole Life 📈 Life Insurance

Universal Life

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

View Universal Life 🏥 Supplemental Health

Critical Illness

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

View Critical Illness 🏨 Supplemental Health

Hospital Indemnity

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

View Hospital Indemnity ⚡ Supplemental Health

Accident & Injury

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

View Accident & Injury 🏢 Business

Business Life

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

View Business Life 🔑 Specialized

Special Situations

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

View Special Situations 🕊️ Life Insurance

Final Expense

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

View Final Expense
All products subject to carrier underwriting and state availability. June Marcia Williams · NPN 17209549 · Licensed in NJ, PA, FL, MD & VA
Life Insurance in Allegany County and Nearby Maryland Counties

Life Insurance by City Near Shaft, MD

Life insurance by city across Allegany County and adjacent Maryland counties.

🌟 Cities Served near Shaft

30 Cities · 3 Counties
Washington County10
AntietamCearfossEakles MillHagerstownLeitersburgMaugansvilleMercersvilleMount LenaPecktonvilleRohrersville
Allegany CountyHome10
ClarysvilleCumberlandFlintstoneFrostburgLa ValeLonaconingLukeMidlandSpring GapZihlman
Frederick County10
Ballenger CreekBrunswickBurkittsvilleEmmitsburgFrederickMiddletownNew MarketPoint Of RocksThurmontWalkersville
Official Resources

Know your rights in Shaft.

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

Shaft Life Insurance Questions

💰

How much does life insurance cost in Shaft?

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.

Shaft
📋

What types of insurance are available here?

Term life, whole life, universal life, critical illness, hospital indemnity, accident & injury, business life, specialized coverage.

9 Products
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for applicants with pre-existing health conditions. Simplified-issue and guaranteed-issue options available. Rates vary by carrier.

Special Situations
🏙️

Does June serve all of Shaft?

Yes. June serves all of Shaft 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.

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