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Home›Maryland›Somerset County›Smith Island

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

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

The Smart Choice for Dependable Life Insurance in Smith Island, MD

Your local licensed agent in Smith Island, Somerset County. 9 product lines. 12 years of experience. One call away.

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

Smith Island, MD — Your Local Producer

Hello, Smith Island. As a licensed insurance producer for Maryland, I understand that life here in Somerset County is unique, shaped by the tides and a deep sense of community. Protecting your family's future is just as important as a good day's catch. I'm June Marcia Williams (NPN: 17209549, MD License No: 3004137002), and I'm here to help you navigate your options for personal insurance—from Term and Whole Life to Final Expense and Critical Illness plans. I offer individual guidance to help you find coverage that fits your specific needs, ensuring your loved ones are secure.

  • Smith Island Cultural Center
  • Ewell United Methodist Church
  • Drum Point Market
NPN17209549MD License3004137002

Smith Island is home to approximately 357 residents in Somerset County, with a median age of 55.0 and a median household income of $82,900. About 89% of homes are owner-occupied; the median home value is $109,000. 2% of adults hold a bachelor's degree or higher; households with children make up 17%; veterans comprise 11% of residents. Average household size is 1.9. These demographic markers shape which life insurance products fit Smith Island households.

How Smith Island compares to Somerset County

SOMERSET COUNTY · 25K RESIDENTS SMITH ISLAND · 357 RESIDENTS
Somerset County vs Smith Island — population comparison Somerset County: 24,672 residents. Smith Island: 357 residents, 1.4% of Somerset County population.
24,672 SOMERSET COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
357 SMITH ISLAND RESIDENTS ↳ 1.4% of Somerset County residents
Underwriting Guidelines

Does current cigarette smoking affect life insurance rates in Smith Island, MD?

Yes, qualification is common in Smith Island. Within Somerset County's ~25,000 residents — including the 10.9% currently without health coverage — 17.0% of adults manage current cigarette smoking and 13.7% live with diagnosed diabetes 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.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Smith Island (CITY) High cholesterol: 43%. High blood pressure: 43.3%. Obesity: 34.4%. Diagnosed diabetes: 13.7%. Current cigarette smoking: 17%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · SMITH ISLAND High cholesterol 43.0% High blood pressure 43.3% Obesity 34.4% Diagnosed diabetes 13.7% Current cigarette smoking 17.0% 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

Somerset County Gov Portal .GOV
Population ~357
Lack of health insurance (18–64) 9.9%

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

FIPS code 2472887
Google Maps
4.4 30 reviews
Smith Island Cultural Center photo 1Smith Island Cultural Center photo 2
Photos by Myla Fe Gervacio , P Mason via Google Maps
View on Google Maps
Smith Island Cultural Center
Open now · Mon 12:00 – 4:00 PM
(410) 425-3351
smithisland.org
20846 Caleb Jones Rd, Ewell, MD 21824, USA
Recent Reviews
Harry Gilbert ★★★★★
"Wonderful museum that gives a good representation of the history of Smith Island. The documentary film was very well done and a ‘must view’. We spent five days on the Island and thoroughly enjoyed it…"
Beth Dixon ★★★★★
"Soent 6 days on Ewell, Rhides Point, and Tylerton. The myseum gives a great picture of Smith Island life with waterman displays, journals, photos and a short movie. Local coffee, handmade items, cloth…"
Available in Smith Island

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 Somerset County and Neighboring Maryland Counties

Cities served near Smith Island.

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

🌟 Cities Served near Smith Island

30 Cities · 3 Counties
Dorchester County10
AlgonquinCambridgeCrapoCrocheronEldoradoLinkwoodTaylors IslandToddvilleWingateWoolford
Somerset CountyHome10
ChanceCrisfieldDeal IslandEdenEwellMarion StationMount VernonPrincess AnneTylertonWestover
Worcester County10
BerlinBishopvilleGirdletreeNewarkOcean CityPocomoke CityShowellStocktonWest Ocean CityWhaleysville
Official Resources

Know your rights in Smith Island.

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

Smith Island insurance — answered.

💰

How much does life insurance cost in Smith Island?

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.

Smith Island
📋

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 Smith Island?

Yes. June serves all of Smith Island and every municipality in Somerset 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
Nearby Cities

Coverage continues next door.

← Previous Princess Anne Somerset County, MD 10 products available
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You Are Here Smith Island Somerset County, MD
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Next → Tylerton Somerset County, MD 10 products available

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