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

Your Dedicated Advocate for Simplified-Issue Policies in Howard County

Why Working with a Local MD Producer Beats the Big Carriers

Protect your family in Howard County. 19 municipalities. 9 product lines. One licensed agent.

Licensed Maryland agent June Marcia Williams (#3004137002, NPN 17209549) writes life insurance for Howard County, Maryland residents — fully-underwritten and simplified-issue products with same-day quotes.

✅ Verified NJ · PA · FL · MD · VA Licensed Agent
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🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
County Hub · Howard, MD

Across Howard County

As a licensed insurance producer serving Howard County, I'm proud to help protect the families and businesses that make this region such a vibrant hub. Situated strategically between Baltimore and Washington, D.C., our community thrives along key commuter and medical corridors. From the historic county seat of Ellicott City to the planned community of Columbia, I am dedicated to providing personalized life and health insurance solutions that fit your unique needs. Whether you're a homeowner enjoying the beauty of the Patapsco Valley or a professional navigating your career, my goal is to secure your financial future. (June Marcia Williams, NPN: 17209549, Maryland License No: 3004137002)

  • Howard County Circuit Courthouse
  • Howard County General Hospital
  • Patapsco Valley State Park
NPN17209549MD License3004137002

How Howard County compares to Maryland

MARYLAND · 6.2M RESIDENTS HOWARD COUNTY · 332K RESIDENTS
Maryland vs Howard County — population comparison Maryland: 6,161,707 residents. Howard County: 332,011 residents, 5.4% of Maryland population.
6,161,707 MARYLAND POPULATION ↳ 1 cell ≈ 100,000 residents
332,011 HOWARD COUNTY RESIDENTS ↳ 5.4% of Maryland residents
Underwriting Guidelines

What are the primary life insurance underwriting factors in Howard County, MD?

Life insurance carriers price Howard County's ~332,000 residents — 5.7% lacking health insurance — against the local health profile: High cholesterol (39.5%), High blood pressure (31.3%), Obesity (30.0%) adult prevalence per current CDC PLACES data.

Local Health Data

📊 Top Health Considerations (CDC)

Top Health Considerations for Howard County (COUNTY) High cholesterol: 39.5%. High blood pressure: 31.3%. Obesity: 30%. Arthritis: 24.3%. Diagnosed diabetes: 10.4%. Current cigarette smoking: 7.4%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · HOWARD COUNTY High cholesterol 39.5% High blood pressure 31.3% Obesity 30.0% Arthritis 24.3% Diagnosed diabetes 10.4% Current cigarette smoking 7.4% 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 County Resources

  • NACo County Profile .ORG
  • Population ~332,000
  • Lack of health insurance (18–64) 5.7%

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

  • FIPS code 24027
Google Maps
2.9 11 reviews
George Howard Building Howard County Government photo 1George Howard Building Howard County Government photo 2George Howard Building Howard County Government photo 3
Photos by Advanced Aerial Imaging Concepts , Waqas Malik , Hamid Shabbir via Google Maps
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George Howard Building Howard County Government
Open now · Mon 8:00 AM – 5:00 PM
(410) 313-2022
msa.maryland.gov .GOV
3430 Court House Dr #100, Ellicott City, MD 21043, USA
Recent Reviews
Rachel Christopher ★☆☆☆☆
"You should be embarrassed to enforce people to remove fruit sculptures. God forbid I see a peach or eggplant sculpture in front of a merchant’s shop. For all those curious, the sculptures add some ni…"
Stephen Marlo ★☆☆☆☆
"I arrived at the George Howard Building to pay my real estate taxes. I and many others were turned away because the building was closed for Energy Saving Day. I wonder how much energy was wasted, not …"
Products Available

Life Insurance Products in Howard County

9 insurance products available in Howard County

🛡️ 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
Coverage by Product

Howard County Insurance by Product

Every city with listings in Howard County.

🛡️ Term Life

19 Cities
Term Life in Annapolis Juncti, MD Annapolis Juncti, MD — in Howard County. Term Life in Clarksville, MD Clarksville, MD — in Howard County. Term Life in Columbia, MD Columbia, MD — in Howard County. Term Life in Cooksville, MD Cooksville, MD — in Howard County. Term Life in Dayton, MD Dayton, MD — in Howard County. Term Life in Ellicott City, MD Ellicott City, MD — in Howard County. Term Life in Fulton, MD Fulton, MD — in Howard County. Term Life in Glenelg, MD Glenelg, MD — in Howard County. Term Life in Glenwood, MD Glenwood, MD — in Howard County. Term Life in Highland, MD Highland, MD — in Howard County. Term Life in Savage, MD Savage, MD — in Howard County. Term Life in West Friendship, MD West Friendship, MD — in Howard County. Term Life in Elkridge, MD Elkridge, MD — in Howard County. Term Life in Ilchester, MD Ilchester, MD — in Howard County. Term Life in Lisbon, MD Lisbon, MD — in Howard County. Term Life in North Laurel, MD North Laurel, MD — in Howard County. Term Life in Scaggsville, MD Scaggsville, MD — in Howard County. Term Life in Hanover, MD Hanover, MD — in Howard County. Term Life in Marriottsville, MD Marriottsville, MD — in Howard County.

💎 Whole Life

19 Cities
Whole Life in Annapolis Juncti, MD Annapolis Juncti, MD — in Howard County. Whole Life in Clarksville, MD Clarksville, MD — in Howard County. Whole Life in Columbia, MD Columbia, MD — in Howard County. Whole Life in Cooksville, MD Cooksville, MD — in Howard County. Whole Life in Dayton, MD Dayton, MD — in Howard County. Whole Life in Ellicott City, MD Ellicott City, MD — in Howard County. Whole Life in Fulton, MD Fulton, MD — in Howard County. Whole Life in Glenelg, MD Glenelg, MD — in Howard County. Whole Life in Glenwood, MD Glenwood, MD — in Howard County. Whole Life in Highland, MD Highland, MD — in Howard County. Whole Life in Savage, MD Savage, MD — in Howard County. Whole Life in West Friendship, MD West Friendship, MD — in Howard County. Whole Life in Elkridge, MD Elkridge, MD — in Howard County. Whole Life in Ilchester, MD Ilchester, MD — in Howard County. Whole Life in Lisbon, MD Lisbon, MD — in Howard County. Whole Life in North Laurel, MD North Laurel, MD — in Howard County. Whole Life in Scaggsville, MD Scaggsville, MD — in Howard County. Whole Life in Hanover, MD Hanover, MD — in Howard County. Whole Life in Marriottsville, MD Marriottsville, MD — in Howard County.

📈 Universal Life

19 Cities
Universal Life in Annapolis Juncti, MD Annapolis Juncti, MD — in Howard County. Universal Life in Clarksville, MD Clarksville, MD — in Howard County. Universal Life in Columbia, MD Columbia, MD — in Howard County. Universal Life in Cooksville, MD Cooksville, MD — in Howard County. Universal Life in Dayton, MD Dayton, MD — in Howard County. Universal Life in Ellicott City, MD Ellicott City, MD — in Howard County. Universal Life in Fulton, MD Fulton, MD — in Howard County. Universal Life in Glenelg, MD Glenelg, MD — in Howard County. Universal Life in Glenwood, MD Glenwood, MD — in Howard County. Universal Life in Highland, MD Highland, MD — in Howard County. Universal Life in Savage, MD Savage, MD — in Howard County. Universal Life in West Friendship, MD West Friendship, MD — in Howard County. Universal Life in Elkridge, MD Elkridge, MD — in Howard County. Universal Life in Ilchester, MD Ilchester, MD — in Howard County. Universal Life in Lisbon, MD Lisbon, MD — in Howard County. Universal Life in North Laurel, MD North Laurel, MD — in Howard County. Universal Life in Scaggsville, MD Scaggsville, MD — in Howard County. Universal Life in Hanover, MD Hanover, MD — in Howard County. Universal Life in Marriottsville, MD Marriottsville, MD — in Howard County.

🏥 Critical Illness

19 Cities
Critical Illness in Annapolis Juncti, MD Annapolis Juncti, MD — in Howard County. Critical Illness in Clarksville, MD Clarksville, MD — in Howard County. Critical Illness in Columbia, MD Columbia, MD — in Howard County. Critical Illness in Cooksville, MD Cooksville, MD — in Howard County. Critical Illness in Dayton, MD Dayton, MD — in Howard County. Critical Illness in Ellicott City, MD Ellicott City, MD — in Howard County. Critical Illness in Fulton, MD Fulton, MD — in Howard County. Critical Illness in Glenelg, MD Glenelg, MD — in Howard County. Critical Illness in Glenwood, MD Glenwood, MD — in Howard County. Critical Illness in Highland, MD Highland, MD — in Howard County. Critical Illness in Savage, MD Savage, MD — in Howard County. Critical Illness in West Friendship, MD West Friendship, MD — in Howard County. Critical Illness in Elkridge, MD Elkridge, MD — in Howard County. Critical Illness in Ilchester, MD Ilchester, MD — in Howard County. Critical Illness in Lisbon, MD Lisbon, MD — in Howard County. Critical Illness in North Laurel, MD North Laurel, MD — in Howard County. Critical Illness in Scaggsville, MD Scaggsville, MD — in Howard County. Critical Illness in Hanover, MD Hanover, MD — in Howard County. Critical Illness in Marriottsville, MD Marriottsville, MD — in Howard County.

🏨 Hospital Indemnity

19 Cities
Hospital Indemnity in Annapolis Juncti, MD Annapolis Juncti, MD — in Howard County. Hospital Indemnity in Clarksville, MD Clarksville, MD — in Howard County. Hospital Indemnity in Columbia, MD Columbia, MD — in Howard County. Hospital Indemnity in Cooksville, MD Cooksville, MD — in Howard County. Hospital Indemnity in Dayton, MD Dayton, MD — in Howard County. Hospital Indemnity in Ellicott City, MD Ellicott City, MD — in Howard County. Hospital Indemnity in Fulton, MD Fulton, MD — in Howard County. Hospital Indemnity in Glenelg, MD Glenelg, MD — in Howard County. Hospital Indemnity in Glenwood, MD Glenwood, MD — in Howard County. Hospital Indemnity in Highland, MD Highland, MD — in Howard County. Hospital Indemnity in Savage, MD Savage, MD — in Howard County. Hospital Indemnity in West Friendship, MD West Friendship, MD — in Howard County. Hospital Indemnity in Elkridge, MD Elkridge, MD — in Howard County. Hospital Indemnity in Ilchester, MD Ilchester, MD — in Howard County. Hospital Indemnity in Lisbon, MD Lisbon, MD — in Howard County. Hospital Indemnity in North Laurel, MD North Laurel, MD — in Howard County. Hospital Indemnity in Scaggsville, MD Scaggsville, MD — in Howard County. Hospital Indemnity in Hanover, MD Hanover, MD — in Howard County. Hospital Indemnity in Marriottsville, MD Marriottsville, MD — in Howard County.

⚡ Accident & Injury

19 Cities
Accident & Injury in Annapolis Juncti, MD Annapolis Juncti, MD — in Howard County. Accident & Injury in Clarksville, MD Clarksville, MD — in Howard County. Accident & Injury in Columbia, MD Columbia, MD — in Howard County. Accident & Injury in Cooksville, MD Cooksville, MD — in Howard County. Accident & Injury in Dayton, MD Dayton, MD — in Howard County. Accident & Injury in Ellicott City, MD Ellicott City, MD — in Howard County. Accident & Injury in Fulton, MD Fulton, MD — in Howard County. Accident & Injury in Glenelg, MD Glenelg, MD — in Howard County. Accident & Injury in Glenwood, MD Glenwood, MD — in Howard County. Accident & Injury in Highland, MD Highland, MD — in Howard County. Accident & Injury in Savage, MD Savage, MD — in Howard County. Accident & Injury in West Friendship, MD West Friendship, MD — in Howard County. Accident & Injury in Elkridge, MD Elkridge, MD — in Howard County. Accident & Injury in Ilchester, MD Ilchester, MD — in Howard County. Accident & Injury in Lisbon, MD Lisbon, MD — in Howard County. Accident & Injury in North Laurel, MD North Laurel, MD — in Howard County. Accident & Injury in Scaggsville, MD Scaggsville, MD — in Howard County. Accident & Injury in Hanover, MD Hanover, MD — in Howard County. Accident & Injury in Marriottsville, MD Marriottsville, MD — in Howard County.

🏢 Business Life

19 Cities
Business Life in Annapolis Juncti, MD Annapolis Juncti, MD — in Howard County. Business Life in Clarksville, MD Clarksville, MD — in Howard County. Business Life in Columbia, MD Columbia, MD — in Howard County. Business Life in Cooksville, MD Cooksville, MD — in Howard County. Business Life in Dayton, MD Dayton, MD — in Howard County. Business Life in Ellicott City, MD Ellicott City, MD — in Howard County. Business Life in Fulton, MD Fulton, MD — in Howard County. Business Life in Glenelg, MD Glenelg, MD — in Howard County. Business Life in Glenwood, MD Glenwood, MD — in Howard County. Business Life in Highland, MD Highland, MD — in Howard County. Business Life in Savage, MD Savage, MD — in Howard County. Business Life in West Friendship, MD West Friendship, MD — in Howard County. Business Life in Elkridge, MD Elkridge, MD — in Howard County. Business Life in Ilchester, MD Ilchester, MD — in Howard County. Business Life in Lisbon, MD Lisbon, MD — in Howard County. Business Life in North Laurel, MD North Laurel, MD — in Howard County. Business Life in Scaggsville, MD Scaggsville, MD — in Howard County. Business Life in Hanover, MD Hanover, MD — in Howard County. Business Life in Marriottsville, MD Marriottsville, MD — in Howard County.

🔑 Special Situations

19 Cities
Special Situations in Annapolis Juncti, MD Annapolis Juncti, MD — in Howard County. Special Situations in Clarksville, MD Clarksville, MD — in Howard County. Special Situations in Columbia, MD Columbia, MD — in Howard County. Special Situations in Cooksville, MD Cooksville, MD — in Howard County. Special Situations in Dayton, MD Dayton, MD — in Howard County. Special Situations in Ellicott City, MD Ellicott City, MD — in Howard County. Special Situations in Fulton, MD Fulton, MD — in Howard County. Special Situations in Glenelg, MD Glenelg, MD — in Howard County. Special Situations in Glenwood, MD Glenwood, MD — in Howard County. Special Situations in Highland, MD Highland, MD — in Howard County. Special Situations in Savage, MD Savage, MD — in Howard County. Special Situations in West Friendship, MD West Friendship, MD — in Howard County. Special Situations in Elkridge, MD Elkridge, MD — in Howard County. Special Situations in Ilchester, MD Ilchester, MD — in Howard County. Special Situations in Lisbon, MD Lisbon, MD — in Howard County. Special Situations in North Laurel, MD North Laurel, MD — in Howard County. Special Situations in Scaggsville, MD Scaggsville, MD — in Howard County. Special Situations in Hanover, MD Hanover, MD — in Howard County. Special Situations in Marriottsville, MD Marriottsville, MD — in Howard County.

🕊️ Final Expense

19 Cities
Final Expense in Annapolis Juncti, MD Annapolis Juncti, MD — in Howard County. Final Expense in Clarksville, MD Clarksville, MD — in Howard County. Final Expense in Columbia, MD Columbia, MD — in Howard County. Final Expense in Cooksville, MD Cooksville, MD — in Howard County. Final Expense in Dayton, MD Dayton, MD — in Howard County. Final Expense in Ellicott City, MD Ellicott City, MD — in Howard County. Final Expense in Fulton, MD Fulton, MD — in Howard County. Final Expense in Glenelg, MD Glenelg, MD — in Howard County. Final Expense in Glenwood, MD Glenwood, MD — in Howard County. Final Expense in Highland, MD Highland, MD — in Howard County. Final Expense in Savage, MD Savage, MD — in Howard County. Final Expense in West Friendship, MD West Friendship, MD — in Howard County. Final Expense in Elkridge, MD Elkridge, MD — in Howard County. Final Expense in Ilchester, MD Ilchester, MD — in Howard County. Final Expense in Lisbon, MD Lisbon, MD — in Howard County. Final Expense in North Laurel, MD North Laurel, MD — in Howard County. Final Expense in Scaggsville, MD Scaggsville, MD — in Howard County. Final Expense in Hanover, MD Hanover, MD — in Howard County. Final Expense in Marriottsville, MD Marriottsville, MD — in Howard County.
Official Resources

Know your rights in Howard County.

State and federal resources for insurance consumers. Verify, research, protect.

Maryland Insurance Administration

File complaints, verify agent licenses, and understand your rights under Maryland insurance law. MD Insurance Admin. regulates all insurance in Maryland.

Visit insurance.maryland.gov →.GOV

Verify Agent License (NIPR)

Look up June's National Producer Number (17209549), active licenses, and state appointments.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides from the National Association of Insurance Commissioners on choosing coverage and filing complaints.

Visit content.naic.org →.ORG

FTC Life Insurance Guide

Federal consumer guide — what to watch for when buying life insurance and your federal protections.

Visit www.iii.org →.GOV
Frequently Asked Questions

Howard County Life Insurance Questions

Costs, eligibility, and coverage rules for Howard County.

💰

How much does life insurance cost in Howard County?

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.

Howard County
🏙️

What cities does June serve in Howard County?

All 19 municipalities in Howard County, including Annapolis Juncti, Clarksville, Columbia, Cooksville, Dayton, Ellicott City. Each location has access to the full range of life insurance products — term life, whole life, IUL, final expense, and supplemental health — through a licensed independent agent.

19 Cities
🔑

Coverage with a pre-existing condition?

Yes. Multiple carriers offer coverage for applicants with pre-existing health conditions. Options include simplified-issue and guaranteed-issue policies. Rates vary by carrier.

Special Situations
📋

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
⚱️

What is the average MD funeral cost?

Approximately $9,443 in Maryland. Final expense insurance covers burial, memorial, and medical bills.

MD Data
✅

How do I verify June's license?

Verify through MD Insurance Admin. or NIPR. June Marcia Williams — NPN 17209549, MD License #3004137002.

Verified
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