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Home›Maryland›Frederick County›Emmitsburg

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

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

The Smart Choice for Dependable Life Insurance in Emmitsburg, MD

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

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

Emmitsburg, MD — Your Local Producer

Hello, Emmitsburg! As a fellow Marylander in Frederick County, I appreciate the historic character and scenic beauty that define our community. Life here has a unique rhythm, and your financial strategy should be tailored to match it. As an individual licensed insurance producer, I help my neighbors understand their options for personal policies like Term Life, Final Expense, and Accident & Injury coverage. My focus is on providing clear, one-on-one guidance so you can feel confident in the choices you make for your family's future, without corporate jargon. (June Marcia Williams, NPN: 17209549, Maryland License No: 3004137002)

  • National Shrine of Saint Elizabeth Ann Seton
  • Mount St. Mary's University
  • Emmitsburg Community Park
NPN17209549MD License3004137002

Emmitsburg is home to approximately 2,800 residents in Frederick County, with a median age of 39.5 and a median household income of $74,600. About 67% of homes are owner-occupied; the median home value is $285,000. 23% of adults hold a bachelor's degree or higher; households with children make up 27%; veterans comprise 7% of residents. Average household size is 2.5. These demographic markers shape which life insurance products fit Emmitsburg households.

How Emmitsburg compares to Frederick County

FREDERICK COUNTY · 274K RESIDENTS EMMITSBURG · 3K RESIDENTS
Frederick County vs Emmitsburg — population comparison Frederick County: 273,829 residents. Emmitsburg: 2,818 residents, 1.0% of Frederick County population.
273,829 FREDERICK COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
2,818 EMMITSBURG RESIDENTS ↳ 1.0% of Frederick County residents
Underwriting Guidelines

Can I get life insurance with current cigarette smoking in Emmitsburg, MD?

Yes. Frederick County's health profile — 293,000 residents, 7.7% uninsured, 10.4% adults with current cigarette smoking, 34.3% with high cholesterol — shapes how A-rated carriers tier rate classes for Emmitsburg applicants. Standard or Preferred is achievable when current cigarette smoking is well-controlled; substandard tables apply when control is recent or partial.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Emmitsburg (CITY) High cholesterol: 34.3%. High blood pressure: 29.7%. Obesity: 33.3%. Diagnosed diabetes: 9%. Current cigarette smoking: 10.4%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · EMMITSBURG High cholesterol 34.3% High blood pressure 29.7% Obesity 33.3% Diagnosed diabetes 9.0% Current cigarette smoking 10.4% 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

Frederick County Gov Portal .GOV
Population ~2,818
Lack of health insurance (18–64) 8.3%

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

FIPS code 2426200
Google Maps
3.9 7 reviews
Emmitsburg MD photo 1Emmitsburg MD photo 2Emmitsburg MD photo 3
Photos by Jitkundough , Sevana Lake , Dr. Jamal via Google Maps
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Emmitsburg MD
Open now · Mon 7:00 AM – 5:00 PM
(301) 600-6300
emmitsburgmd.gov .GOV
300A S Seton Ave, Emmitsburg, MD 21727, USA
Recent Reviews
Jaxson Kozlowski ★☆☆☆☆
"Don't move here id rather spend the rest of my life in jail than come back here,"
Sevana Lake ★★★★★
"A Cozy Parade for Heritage Days!"
Available in Emmitsburg

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 Frederick County and Neighboring Maryland Counties

Cities served near Emmitsburg.

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

🌟 Cities Served near Emmitsburg

30 Cities · 3 Counties
Howard County10
ClarksvilleColumbiaDaytonEllicott CityGlenwoodIlchesterLisbonNorth LaurelSavageScaggsville
Frederick CountyHome10
AdamstownBallenger CreekBrunswickFrederickJeffersonKnoxvilleMonroviaPoint Of RocksRocky RidgeWalkersville
Baltimore County10
ArbutusDundalkEdgemereGraniteGunpowderHalethorpeHamptonHoneygoJacksonvilleMays Chapel
Official Resources

Know your rights in Emmitsburg.

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

Emmitsburg insurance — answered.

💰

How much does life insurance cost in Emmitsburg?

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.

Emmitsburg
📋

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 Emmitsburg?

Yes. June serves all of Emmitsburg and every municipality in Frederick 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
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