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Home›Maryland›St Marys County›Charlotte Hall

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

Top-Rated Financial Protection for Charlotte Hall Residents

Honest, Local Insurance Guidance for Your Family's Future in St Marys County

Your local licensed agent in Charlotte Hall, St Marys County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for Charlotte Hall, St Marys 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 · Charlotte Hall, MD

Charlotte Hall, MD — Your Local Producer

Hello, Charlotte Hall! I appreciate the strong sense of community and rich history we share here in St. Mary's County. As a local licensed insurance producer, my focus is on helping my neighbors secure their financial futures. Whether you're considering Term Life, Final Expense, Critical Illness, or other personal insurance policies, I am here to provide clear, straightforward guidance tailored to your family's unique needs. My commitment is to offer personalized service to help you feel protected and prepared. (June Marcia Williams, NPN: 17209549, Maryland License No: 3004137002)

  • Charlotte Hall Veterans Home
  • Charlotte Hall Amish Market
  • Charlotte Hall Elementary School
NPN17209549MD License3004137002

Charlotte Hall is home to approximately 1,400 residents in St Marys County, with a median age of 51.3 and a median household income of $119,000. About 77% of homes are owner-occupied; the median home value is $338,000. 28% of adults hold a bachelor's degree or higher; households with children make up 37%; veterans comprise 13% of residents. Average household size is 3.3. These demographic markers shape which life insurance products fit Charlotte Hall households.

How Charlotte Hall compares to St Marys County

ST MARYS COUNTY · 114K RESIDENTS CHARLOTTE HALL · 1K RESIDENTS
St Marys County vs Charlotte Hall — population comparison St Marys County: 113,814 residents. Charlotte Hall: 1,410 residents, 1.2% of St Marys County population.
113,814 ST MARYS COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
1,410 CHARLOTTE HALL RESIDENTS ↳ 1.2% of St Marys County residents
Underwriting Guidelines

Are Charlotte Hall residents with current asthma able to qualify for life insurance?

Charlotte Hall applicants with current asthma qualify routinely. The local risk pool — St Marys County's ~114,000 residents, 7.6% without health coverage — shows 10.7% adult prevalence of current asthma and 38.1% with high cholesterol. 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 Valley Lee →

📊 Top Health Considerations (CDC)

Top Health Considerations for Charlotte Hall (CITY) High cholesterol: 38.1%. High blood pressure: 35%. Obesity: 37.5%. Diagnosed diabetes: 11.5%. Current cigarette smoking: 14%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CHARLOTTE HALL High cholesterol 38.1% High blood pressure 35.0% Obesity 37.5% Diagnosed diabetes 11.5% Current cigarette smoking 14.0% 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

St Marys County Gov Portal .GOV
Population ~1,410
Lack of health insurance (18–64) 7.2%

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

FIPS code 2415475
Google Maps
Charlotte Hall photo 1
Photos by Addison Likins via Google Maps
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Charlotte Hall
Charlotte Hall, MD, USA
Available in Charlotte Hall

Life Insurance Products in Charlotte Hall, MD

9 insurance products available in Charlotte Hall

🛡️ 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 St Marys County and Nearby Maryland Counties

Life Insurance by City Near Charlotte Hall, MD

Life insurance by city across St Marys County and adjacent Maryland counties.

🌟 Cities Served near Charlotte Hall

30 Cities · 3 Counties
Calvert County10
Broomes IslandCalvert BeachChesapeake BeachDowellDunkirkHuntingtownLusbyNorth BeachOwingsPort Republic
St Marys CountyHome10
AbellAvenueBushwoodCaliforniaCallawayClementsColtons PointDameronLeonardtownTall Timbers
Dorchester County10
CambridgeChurch CreekCrapoCrocheronEast New MarketFishing CreekLinkwoodMadisonRhodesdaleSecretary
Official Resources

Know your rights in Charlotte Hall.

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

Charlotte Hall Life Insurance Questions

💰

How much does life insurance cost in Charlotte Hall?

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.

Charlotte Hall
📋

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 Charlotte Hall?

Yes. June serves all of Charlotte Hall and every municipality in St Marys 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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