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

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

The Smart Choice for Dependable Life Insurance in St. Leonard, MD

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

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for St. Leonard, 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
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❤️ 3K+ Satisfied
Right here · St. Leonard, MD

St. Leonard, MD — Your Local Producer

Living here in St. Leonard, we appreciate the unique character and peaceful pace of Calvert County life. As a dedicated member of this community, I am committed to helping my neighbors protect what matters most. As an individual Licensed Insurance Producer, I offer personalized guidance on a range of options, from Term and Whole Life to Final Expense and Accident & Injury policies. My goal is to provide clear, straightforward information so you can feel confident in the choices you make for your family's financial security. (NPN: 17209549, Maryland License No: 3004137002).

  • Jefferson Patterson Park & Museum
  • St. Leonard Elementary School
  • Calvert Cliffs State Park
NPN17209549MD License3004137002

St. Leonard is home to approximately 605 residents in Calvert County, with a median age of 47.4 and a median household income of $174,000. About 95% of homes are owner-occupied; the median home value is $468,000. 24% of adults hold a bachelor's degree or higher; households with children make up 49%; veterans comprise 11% of residents. Average household size is 2.9. These demographic markers shape which life insurance products fit St. Leonard households.

How St. Leonard compares to Calvert County

CALVERT COUNTY · 93K RESIDENTS ST. LEONARD · 605 RESIDENTS
Calvert County vs St. Leonard — population comparison Calvert County: 93,244 residents. St. Leonard: 605 residents, 0.6% of Calvert County population.
93,244 CALVERT COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
605 ST. LEONARD RESIDENTS ↳ 0.6% of Calvert County residents
Underwriting Guidelines

Does obesity affect life insurance rates in St. Leonard, MD?

Yes, qualification is common in St. Leonard. Within Calvert County's ~93,000 residents — including the 6.5% currently without health coverage — 36.2% of adults manage obesity and 37.6% live with high cholesterol per current CDC PLACES data. Multiple A-rated carriers offer Standard or Preferred rates for well-controlled cases via fully underwritten products, with simplified-issue alternatives where clinical specifics warrant a faster path.

Coverage options and underwriting standards vary by carrier. View insurance in nearby Chesapeake Ranch Estates →

📊 Top Health Considerations (CDC)

Top Health Considerations for St. Leonard (CITY) High cholesterol: 37.6%. High blood pressure: 36.5%. Obesity: 36.2%. Diagnosed diabetes: 10.7%. Current cigarette smoking: 11.6%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · ST. LEONARD High cholesterol 37.6% High blood pressure 36.5% Obesity 36.2% Diagnosed diabetes 10.7% Current cigarette smoking 11.6% 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 ~605
Lack of health insurance (18–64) 6.3%

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

FIPS code 2469675
Google Maps
St. Leonard civic building photo 1St. Leonard civic building photo 2
Photos by Sonja G Larkin , Haley Danielle Lummus via Google Maps
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Available in St. Leonard

Life Insurance Products in St. Leonard, MD

9 insurance products available in St. Leonard

🛡️ 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 St. Leonard, MD

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

🌟 Cities Served near St. Leonard

30 Cities · 3 Counties
Talbot County10
BozmanClaiborneCordovaEastonMcdanielNewcombOxfordSaint MichaelsSt. MichaelsTrappe
Calvert CountyHome10
Broomes IslandCalvert BeachChesapeake BeachDowellDunkirkHuntingtownLusbyNorth BeachOwingsPort Republic
Charles County10
Bel AltonBenedictBryans RoadBryantownCobb IslandFaulknerHughesvilleIndian HeadLa PlataPotomac Heights
Official Resources

Know your rights in St. Leonard.

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

St. Leonard Life Insurance Questions

💰

How much does life insurance cost in St. Leonard?

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.

St. Leonard
📋

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 St. Leonard?

Yes. June serves all of St. Leonard 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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