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

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

Get Customized Coverage in Clements Without the Complexity

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

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for Clements, 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
🛡️ Get Your Quote 📅 Schedule a Call
🛡️ NPN Verified
⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Clements, MD

Clements, MD — Your Local Producer

In a place as special as Clements, with the unique character of St Marys County all around us, planning for the future is key to enjoying our way of life. I'm June Marcia Williams, your neighbor and a licensed insurance producer, here to help you navigate your options. I provide guidance on a range of personal insurance solutions, including Term Life, Whole Life, Final Expense, and policies for Critical Illness or Hospital Indemnity. My focus is on helping Clements families find the right coverage to secure their financial well-being. (NPN: 17209549, Maryland License No: 3004137002)

  • St. Mary's County Fairgrounds
  • Chopticon High School
  • Budds Creek Road (MD-234)
NPN17209549MD License3004137002
Underwriting Guidelines

How does high cholesterol impact life insurance underwriting in Clements, MD?

Many Clements residents secure competitive rates despite high cholesterol. St Marys County reports 37.2% adult prevalence (CDC PLACES); 37.2% also manage obesity, with 7.6% of the ~114,000 population lacking health insurance. Carriers offer fully underwritten and simplified-issue paths sized to the clinical specifics.

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

📊 Top Health Considerations (CDC)

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 Data Pending
Lack of health insurance (18–64) Data Pending

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

FIPS code N/A
Google Maps
4.8 24 reviews
Clement's Convenience Center photo 1Clement's Convenience Center photo 2Clement's Convenience Center photo 3
Photos by Tim , Tim , Tim via Google Maps
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Clement's Convenience Center
Open now · Mon 9:30 AM – 5:00 PM
(888) 905-8898
stmarysmd.com
24547 Horse Shoe Rd, Clements, MD 20624, USA
Recent Reviews
Dorian Hernandez ★★★★★
"Always kind, efficient and follow their posted schedules, all things considered. I have been lucky to have been seen trying to make it right as close, and they have allowed me right through. I've even…"
Nopers Nada ★★★★★
"A great place, funny that its basically a dump. people that work here are very nice, like far as I can tell all convenience centers in St. Marys are like this. About 20ish years ago when I was a kid.…"
Available in Clements

Life Insurance Products in Clements, MD

9 insurance products available in Clements

🛡️ 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 Clements, MD

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

🌟 Cities Served near Clements

30 Cities · 3 Counties
Dorchester County10
CambridgeChurch CreekCrapoCrocheronEast New MarketFishing CreekLinkwoodMadisonRhodesdaleSecretary
St Marys CountyHome10
AbellAvenueBushwoodCaliforniaCallawayColtons PointDameronDraydenLeonardtownTall Timbers
Charles County10
Bel AltonBenedictBryans RoadBryantownCobb IslandFaulknerHughesvilleIndian HeadLa PlataPotomac Heights
Official Resources

Know your rights in Clements.

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

Clements Life Insurance Questions

💰

How much does life insurance cost in Clements?

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.

Clements
📋

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 Clements?

Yes. June serves all of Clements 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.

Verified

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