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

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

The Smart Choice for Dependable Life Insurance in Owings, MD

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

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for Owings, 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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🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Owings, MD

Owings, MD — Your Local Producer

Hello, Owings! I appreciate the unique character of our corner of Calvert County, where we enjoy a quieter pace of life while staying connected to our community's needs. As your neighbor and a licensed insurance producer, my focus is on helping local families protect what matters most. If you're exploring options for term life, final expense, or other personal insurance policies to safeguard your family's future, I'm here to help you navigate the choices. My goal is to offer clear, straightforward guidance. I'm June Marcia Williams, NPN: 17209549, Maryland License No: 3004137002.

  • Northern High School
  • Windy Hill Park
  • Intersection of MD Route 2 and MD Route 260
NPN17209549MD License3004137002

Owings is home to approximately 2,400 residents in Calvert County, with a median age of 52.6 and a median household income of $150,000. About 93% of homes are owner-occupied; the median home value is $575,000. 46% of adults hold a bachelor's degree or higher; households with children make up 23%; veterans comprise 9% of residents. Average household size is 2.6. These demographic markers shape which life insurance products fit Owings households.

How Owings compares to Calvert County

CALVERT COUNTY · 93K RESIDENTS OWINGS · 2K RESIDENTS
Calvert County vs Owings — population comparison Calvert County: 93,244 residents. Owings: 2,376 residents, 2.5% of Calvert County population.
93,244 CALVERT COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
2,376 OWINGS RESIDENTS ↳ 2.5% of Calvert County residents
Underwriting Guidelines

Can I get life insurance with obesity in Owings, MD?

Yes. Calvert County's health profile — 95,000 residents, 6.5% uninsured, 34.8% adults with obesity, 38.0% with high cholesterol — shapes how A-rated carriers tier rate classes for Owings applicants. Standard or Preferred is achievable when obesity is well-controlled; substandard tables apply when control is recent or partial.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Owings (CITY) High cholesterol: 38%. High blood pressure: 35.6%. Obesity: 34.8%. Diagnosed diabetes: 10.1%. Current cigarette smoking: 10.1%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · OWINGS High cholesterol 38.0% High blood pressure 35.6% Obesity 34.8% Diagnosed diabetes 10.1% Current cigarette smoking 10.1% 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

Calvert County Gov Portal .GOV
Population ~2,376
Lack of health insurance (18–64) 5.4%

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

FIPS code 2459375
Google Maps
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Owings
Owings, MD 20736, USA
Available in Owings

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 Calvert County and Neighboring Maryland Counties

Cities served near Owings.

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

🌟 Cities Served near Owings

30 Cities · 3 Counties
Talbot County10
BozmanCordovaEastonMcdanielNewcombOxfordRoyal OakSaint MichaelsSt. MichaelsTilghman
Calvert CountyHome10
Calvert BeachChesapeake BeachChesapeake Ranch EstatesDowellDunkirkHuntingtownLong BeachLusbyPrince FrederickSaint Leonard
Charles County10
Cobb IslandHughesvilleIndian HeadIssueLa PlataNewburgPisgahPotomac HeightsSaint CharlesWhite Plains
Official Resources

Know your rights in Owings.

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

Owings insurance — answered.

💰

How much does life insurance cost in Owings?

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.

Owings
📋

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 Owings?

Yes. June serves all of Owings 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.

Verified
Nearby Cities

Coverage continues next door.

← Previous North Beach Calvert County, MD 10 products available
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You Are Here Owings Calvert County, MD
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Next → Port Republic Calvert County, MD 10 products available

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