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Home›Maryland›Frederick County›Urbana

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

Your Local MD Advocate for Simplified-Issue & Fully-Underwritten Policies

Get Customized Coverage in Urbana Without the Complexity

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

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

Urbana, MD — Your Local Producer

Hello Urbana! As a licensed insurance producer right here in our vibrant Frederick County community, I understand the importance of planning for the future while enjoying today. My name is June Marcia Williams, and I'm dedicated to helping my neighbors navigate their personal insurance options. From Term Life and Final Expense policies to preparing for the unexpected with Critical Illness or Accident & Injury coverage, my goal is to provide clear, personalized guidance. I'm here to help you find the right solutions to protect your family's financial well-being. (NPN: 17209549, Maryland License No: 3004137002)

  • Urbana High School
  • Urbana District Park
  • Intersection of Urbana Pike (MD-355) and Fingerboard Road (MD-80)
NPN17209549MD License3004137002

Urbana is home to approximately 13,400 residents in Frederick County, with a median age of 36.6 and a median household income of $179,000. About 79% of homes are owner-occupied; the median home value is $575,000. 67% of adults hold a bachelor's degree or higher; households with children make up 63%; veterans comprise 4% of residents. Average household size is 3.3. These demographic markers shape which life insurance products fit Urbana households.

How Urbana compares to Frederick County

FREDERICK COUNTY · 274K RESIDENTS URBANA · 13K RESIDENTS
Frederick County vs Urbana — population comparison Frederick County: 273,829 residents. Urbana: 13,373 residents, 4.9% of Frederick County population.
273,829 FREDERICK COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
13,373 URBANA RESIDENTS ↳ 4.9% of Frederick County residents
Underwriting Guidelines

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

Coverage is widely available. Urbana sits within Frederick County (population ~274,000, 7.7% uninsured), where 31.9% of adults have obesity alongside 30.3% with high blood pressure per current CDC PLACES data. Independent agents match applicants to carriers whose underwriting guidelines treat each clinical profile most favorably.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Urbana (CITY) High cholesterol: 37.3%. High blood pressure: 30.3%. Obesity: 31.9%. Diagnosed diabetes: 9.3%. Current cigarette smoking: 7.5%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · URBANA High cholesterol 37.3% High blood pressure 30.3% Obesity 31.9% Diagnosed diabetes 9.3% Current cigarette smoking 7.5% 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 ~13,373
Lack of health insurance (18–64) 5.9%

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

FIPS code 2479900
Google Maps
Urbana photo 1Urbana photo 2Urbana photo 3Urbana photo 4
Photos by Eliel Romero , Samira Valibeigi , José Rodriguez , Umut Gömceli via Google Maps
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Urbana
Urbana, MD, USA
Available in Urbana

Life Insurance Products in Urbana, MD

9 insurance products available in Urbana

🛡️ 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 Urbana, MD

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

🌟 Cities Served near Urbana

30 Cities · 3 Counties
Montgomery County10
BeallsvilleBrookmontCloverlyDarnestownFriendship Heights VillageGaithersburgKensingtonMontgomery VillageRockvilleSpencerville
Frederick CountyHome10
Ballenger CreekBrunswickBurkittsvilleEmmitsburgFrederickMiddletownNew MarketPoint Of RocksThurmontWalkersville
Howard County10
Annapolis JunctiClarksvilleColumbiaCooksvilleDaytonEllicott CityFultonGlenelgGlenwoodHighland
Official Resources

Know your rights in Urbana.

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

Urbana Life Insurance Questions

💰

How much does life insurance cost in Urbana?

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.

Urbana
📋

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 Urbana?

Yes. June serves all of Urbana 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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