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Home›Maryland›Frederick County›Graceham

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

Securing Families Across Frederick County with 9 Tailored Product Lines

Why Graceham Residents Rely on June for Complete Peace of Mind

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

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

Graceham, MD — Your Local Producer

Hello to my neighbors in Graceham. Living in the beautiful, historic landscape of Frederick County provides a unique sense of community and peace of mind. As a local licensed insurance producer, I'm June Marcia Williams, and I believe your financial planning should offer that same feeling of security. I specialize in helping individuals and families find personal life and health insurance solutions, from Term Life and Final Expense to Critical Illness and Accident policies. My goal is to provide clear, one-on-one guidance so you can confidently choose the right protection for your specific needs. (NPN: 17209549, Maryland License No: 3004137002)

  • Graceham Moravian Church
  • Graceham Volunteer Fire Company
  • Graceham Park
NPN17209549MD License3004137002

Graceham is home to approximately 203 residents in Frederick County, with a median age of 47.3 and a median household income of $121,000. About 61% of homes are owner-occupied. 33% of adults hold a bachelor's degree or higher; households with children make up 25%; veterans comprise 10% of residents. Average household size is 2.5. These demographic markers shape which life insurance products fit Graceham households.

How Graceham compares to Frederick County

FREDERICK COUNTY · 274K RESIDENTS GRACEHAM · 203 RESIDENTS
Frederick County vs Graceham — population comparison Frederick County: 273,829 residents. Graceham: 203 residents, 0.1% of Frederick County population.
273,829 FREDERICK COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
203 GRACEHAM RESIDENTS ↳ 0.1% of Frederick County residents
Underwriting Guidelines

Does high blood pressure affect life insurance rates in Graceham, MD?

Graceham applicants with high blood pressure qualify routinely. The local risk pool — Frederick County's ~274,000 residents, 7.7% without health coverage — shows 37.2% adult prevalence of high blood pressure and 25.3% with arthritis. Top-rated carriers price these conditions transparently when application data is complete and recent.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Graceham (CITY) High cholesterol: 41.7%. High blood pressure: 37.2%. Obesity: 35.8%. Diagnosed diabetes: 11.7%. Current cigarette smoking: 11.8%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · GRACEHAM High cholesterol 41.7% High blood pressure 37.2% Obesity 35.8% Diagnosed diabetes 11.7% Current cigarette smoking 11.8% 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 ~203
Lack of health insurance (18–64) 7.6%

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

FIPS code 2434350
Google Maps
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Graceham
Graceham, MD, USA
Available in Graceham

Life Insurance Products in Graceham, MD

9 insurance products available in Graceham

🛡️ 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 Frederick County and Nearby Maryland Counties

Life Insurance by City Near Graceham, MD

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

🌟 Cities Served near Graceham

30 Cities · 3 Counties
Washington County10
AntietamCearfossEakles MillHagerstownLeitersburgMaugansvilleMercersvilleMount LenaPecktonvilleRohrersville
Frederick CountyHome10
Ballenger CreekBrunswickBurkittsvilleEmmitsburgFrederickMiddletownNew MarketPoint Of RocksThurmontWalkersville
Montgomery County10
BeallsvilleBrookmontCloverlyDarnestownFriendship Heights VillageGaithersburgKensingtonMontgomery VillageRockvilleSpencerville
Official Resources

Know your rights in Graceham.

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

Graceham Life Insurance Questions

💰

How much does life insurance cost in Graceham?

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.

Graceham
📋

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 Graceham?

Yes. June serves all of Graceham 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.

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