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Home›Maryland›Cecil County›Charlestown

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

Top-Rated Financial Protection for Charlestown Residents

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

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

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

Charlestown, MD — Your Local Producer

For my neighbors in Charlestown, I understand that the peace of mind that comes with living in a historic, waterfront community is something special. As a licensed Maryland insurance producer, my goal is to help you protect that sense of security for your family's future. My name is June Marcia Williams, and I specialize in personal life and health insurance solutions, including Term Life, Final Expense, and Critical Illness plans. I'm here to help you navigate your options with personalized service right here in the Cecil County area. (NPN: 17209549, Maryland License No: 3004137002)

  • Charlestown Town Hall
  • Charlestown Community Park
  • Charlestown Elementary School
NPN17209549MD License3004137002

Charlestown is home to approximately 2,100 residents in Cecil County, with a median age of 35.3 and a median household income of $103,000. About 79% of homes are owner-occupied; the median home value is $346,000. 39% of adults hold a bachelor's degree or higher; households with children make up 50%; veterans comprise 7% of residents. Average household size is 2.8. These demographic markers shape which life insurance products fit Charlestown households.

How Charlestown compares to Cecil County

CECIL COUNTY · 104K RESIDENTS CHARLESTOWN · 2K RESIDENTS
Cecil County vs Charlestown — population comparison Cecil County: 103,876 residents. Charlestown: 2,050 residents, 2.0% of Cecil County population.
103,876 CECIL COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
2,050 CHARLESTOWN RESIDENTS ↳ 2.0% of Cecil County residents
Underwriting Guidelines

Are Charlestown residents with arthritis able to qualify for life insurance?

Yes. Cecil County's health profile — 104,000 residents, 8.0% uninsured, 29.4% adults with arthritis, 14.3% with current cigarette smoking — shapes how A-rated carriers tier rate classes for Charlestown applicants. Standard or Preferred is achievable when arthritis is well-controlled; substandard tables apply when control is recent or partial.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Charlestown (CITY) High cholesterol: 37.4%. High blood pressure: 35.7%. Obesity: 39.9%. Diagnosed diabetes: 11.4%. Current cigarette smoking: 14.3%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CHARLESTOWN High cholesterol 37.4% High blood pressure 35.7% Obesity 39.9% Diagnosed diabetes 11.4% Current cigarette smoking 14.3% 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

Cecil County Gov Portal .GOV
Population ~2,050
Lack of health insurance (18–64) 7.4%

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

FIPS code 2415400
Google Maps
4.8 4 reviews
Charlestown Town Hall photo 1
Photos by Richie Vannostrand via Google Maps
View on Google Maps
Charlestown Town Hall
Open now · Mon 8:30 AM – 4:30 PM
(410) 287-6173
charlestownmd.org
241 Market St, Charlestown, MD 21914, USA
Recent Reviews
Steve Petro ★★★★★
"Charlestown, Maryland As a history and architecture buff and historic traveler from New Jersey it was a wonderful exprience walking in your town yesterday 5/6/13! your linton house-indian queen-red li…"
Sean Wilhelm (mykiddosdaddy) ★★★★☆
"Charlestown I'd a cute little town right on the water."
Available in Charlestown

Life Insurance Products in Charlestown, MD

9 insurance products available in Charlestown

🛡️ 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 Cecil County and Nearby Maryland Counties

Life Insurance by City Near Charlestown, MD

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

🌟 Cities Served near Charlestown

30 Cities · 3 Counties
Kent County10
BettertonButlertownChestertownGalenaKennedyvilleMasseyMillingtonRock HallStill PondWorton
Cecil CountyHome10
CeciltonChesapeake CityColoraConowingoEarlevilleElk MillsNorth EastPerryvillePort DepositRising Sun
Queen Annes County10
BarclayCentrevilleChesterChurch HillCrumptonGrasonvilleInglesideQueen AnneQueenstownStevensville
Official Resources

Know your rights in Charlestown.

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

Charlestown Life Insurance Questions

💰

How much does life insurance cost in Charlestown?

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.

Charlestown
📋

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 Charlestown?

Yes. June serves all of Charlestown and every municipality in Cecil 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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