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

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

The Smart Choice for Dependable Life Insurance in Drum Point, MD

Your local licensed agent in Drum Point, Calvert County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for Drum Point, Calvert 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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❤️ 3K+ Satisfied
Right here · Drum Point, MD

Drum Point, MD — Your Local Producer

Hello, Drum Point neighbors! I'm June Marcia Williams, your local licensed insurance producer, and I'm proud to serve our Calvert County community. Life here by the Chesapeake Bay has a unique rhythm, and your financial protection should be just as personalized. Whether you're thinking about securing your family's future with 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 goal is to provide clear, straightforward guidance so you can find a plan that fits your life. (NPN: 17209549, Maryland License No: 3004137002)

  • Drum Point Beach
  • Calvert Cliffs State Park
  • Rousby Hall Road
NPN17209549MD License3004137002

Drum Point is home to approximately 3,000 residents in Calvert County, with a median age of 41.9 and a median household income of $135,000. About 92% of homes are owner-occupied; the median home value is $397,000. 42% of adults hold a bachelor's degree or higher; households with children make up 42%; veterans comprise 13% of residents. Average household size is 2.9. These demographic markers shape which life insurance products fit Drum Point households.

How Drum Point compares to Calvert County

CALVERT COUNTY · 93K RESIDENTS DRUM POINT · 3K RESIDENTS
Calvert County vs Drum Point — population comparison Calvert County: 93,244 residents. Drum Point: 2,979 residents, 3.2% of Calvert County population.
93,244 CALVERT COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
2,979 DRUM POINT RESIDENTS ↳ 3.2% of Calvert County residents
Underwriting Guidelines

What rate class can Drum Point applicants with obesity expect from life insurance carriers?

Many Drum Point residents secure competitive rates despite obesity. Calvert County reports 37.9% adult prevalence (CDC PLACES); 35.8% also manage high cholesterol, with 6.5% of the ~93,000 population lacking health insurance. Carriers offer fully underwritten and simplified-issue paths sized to the clinical specifics.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Drum Point (CITY) High cholesterol: 35.8%. High blood pressure: 35.7%. Obesity: 37.9%. Diagnosed diabetes: 10.7%. Current cigarette smoking: 12.4%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · DRUM POINT High cholesterol 35.8% High blood pressure 35.7% Obesity 37.9% Diagnosed diabetes 10.7% Current cigarette smoking 12.4% 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

Calvert County Gov Portal .GOV
Population ~2,979
Lack of health insurance (18–64) 6.9%

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

FIPS code 2423700
Google Maps
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Available in Drum Point

Life Insurance Products in Drum Point, MD

9 insurance products available in Drum Point

🛡️ 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 Calvert County and Nearby Maryland Counties

Life Insurance by City Near Drum Point, MD

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

🌟 Cities Served near Drum Point

30 Cities · 3 Counties
St Marys County10
AbellAvenueBushwoodCaliforniaCallawayClementsColtons PointDameronLeonardtownTall Timbers
Calvert CountyHome10
Broomes IslandCalvert BeachChesapeake BeachDowellDunkirkHuntingtownLusbyNorth BeachOwingsPort Republic
Talbot County10
BozmanClaiborneCordovaEastonMcdanielNewcombOxfordSaint MichaelsSt. MichaelsTrappe
Official Resources

Know your rights in Drum Point.

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

Drum Point Life Insurance Questions

💰

How much does life insurance cost in Drum Point?

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.

Drum Point
📋

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 Drum Point?

Yes. June serves all of Drum Point and every municipality in Calvert 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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