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Home›Maryland›Montgomery County›Germantown

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

Securing Families Across Montgomery County with 9 Tailored Product Lines

Why Germantown Residents Rely on June for Complete Peace of Mind

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

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

Germantown, MD — Your Local Producer

Hello, Germantown! As a licensed insurance producer right here in Maryland, I understand the unique character of our community and the importance of protecting what matters most. My name is June Marcia Williams, and I'm dedicated to helping my neighbors in Montgomery County navigate their insurance options. Whether you're exploring Term Life, Final Expense, or other personal policies to secure your family's financial future, my goal is to provide clear, one-on-one guidance. I'm here to help you understand the coverage that fits your specific needs and budget. (NPN: 17209549, Maryland License No: 3004137002)

  • BlackRock Center for the Arts
  • South Germantown Recreational Park
  • Montgomery College Germantown Campus
NPN17209549MD License3004137002

Germantown is home to approximately 90,200 residents in Montgomery County, with a median age of 36.9 and a median household income of $109,000. About 66% of homes are owner-occupied; the median home value is $394,000. 49% of adults hold a bachelor's degree or higher; households with children make up 39%; veterans comprise 4% of residents. Average household size is 2.9. These demographic markers shape which life insurance products fit Germantown households.

How Germantown compares to Montgomery County

MONTGOMERY COUNTY · 1.1M RESIDENTS GERMANTOWN · 90K RESIDENTS
Montgomery County vs Germantown — population comparison Montgomery County: 1,056,910 residents. Germantown: 90,210 residents, 8.5% of Montgomery County population.
1,056,910 MONTGOMERY COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
90,210 GERMANTOWN RESIDENTS ↳ 8.5% of Montgomery County residents
Underwriting Guidelines

Does high cholesterol affect life insurance rates in Germantown, MD?

Yes, qualification is common in Germantown. Within Montgomery County's ~1,057,000 residents — including the 8.7% currently without health coverage — 38.3% of adults manage high cholesterol and 29.9% live with high blood pressure per current CDC PLACES data. Multiple A-rated carriers offer Standard or Preferred rates for well-controlled cases via fully underwritten products, with simplified-issue alternatives where clinical specifics warrant a faster path.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Germantown (CITY) High cholesterol: 38.3%. High blood pressure: 29.9%. Obesity: 27.8%. Diagnosed diabetes: 10.1%. Current cigarette smoking: 8.5%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · GERMANTOWN High cholesterol 38.3% High blood pressure 29.9% Obesity 27.8% Diagnosed diabetes 10.1% Current cigarette smoking 8.5% 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

Montgomery County Gov Portal .GOV
Population ~90,210
Lack of health insurance (18–64) 10.1%

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

FIPS code 2432025
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Germantown photo 1Germantown photo 2Germantown photo 3Germantown photo 4
Photos by Capital Sky Eye Media , Natalia Akselrod , F Z , Moises Almosny via Google Maps
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Germantown
Germantown, MD, USA
Available in Germantown

Life Insurance Products in Germantown, MD

9 insurance products available in Germantown

🛡️ 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 Montgomery County and Nearby Maryland Counties

Life Insurance by City Near Germantown, MD

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

🌟 Cities Served near Germantown

30 Cities · 3 Counties
Prince Georges County10
AccokeekAdelphiBowieBrandywineCollege ParkGlenn DaleHyattsvilleLanhamLaurelOxon Hill
Montgomery CountyHome10
BeallsvilleBrookmontCloverlyDarnestownFriendship Heights VillageGaithersburgKensingtonMontgomery VillageRockvilleSpencerville
Carroll County10
CarrolltonCarrolltowneHampsteadManchesterMount AiryNew WindsorSykesvilleTaneytownUnion BridgeWestminster
Official Resources

Know your rights in Germantown.

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

Germantown Life Insurance Questions

💰

How much does life insurance cost in Germantown?

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.

Germantown
📋

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 Germantown?

Yes. June serves all of Germantown and every municipality in Montgomery 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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