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

Securing Families Across Talbot County with 9 Tailored Product Lines

Why Saint Michaels Residents Rely on June for Complete Peace of Mind

Your local licensed agent in Saint Michaels, Talbot County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for Saint Michaels, Talbot 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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⭐ 5-Star Service
❤️ 3K+ Satisfied
Right here · Saint Michaels, MD

Saint Michaels, MD — Your Local Producer

Hello, Saint Michaels! As a fellow Marylander, I deeply appreciate the unique charm and waterfront lifestyle that defines life in Talbot County. Whether you're running a local business, enjoying the historic scenery, or raising a family in this beautiful community, having a solid financial plan is essential for peace of mind. My name is June Marcia Williams, and as a licensed insurance producer, I am dedicated to helping my neighbors understand their options for life and supplemental health insurance. I'm here to help you find coverage that fits your life. (NPN: 17209549, Maryland License No: 3004137002)

  • Chesapeake Bay Maritime Museum
  • St. Michaels Middle High School
  • Muskrat Park
NPN17209549MD License3004137002
Underwriting Guidelines

Can I get life insurance with current cigarette smoking in Saint Michaels, MD?

Yes. Talbot County's health profile — 38,000 residents, 7.7% uninsured, 10.9% adults with current cigarette smoking, 33.2% with arthritis — shapes how A-rated carriers tier rate classes for Saint Michaels applicants. Standard or Preferred is achievable when current cigarette smoking is well-controlled; substandard tables apply when control is recent or partial.

Our underwriting team matches Saint Michaels families directly with the carriers who look most favorably on these specific health markers, eliminating the guesswork. View insurance in nearby Royal Oak →

📊 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

Talbot 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
5.0 1 review
Town of St. Michaels, Maryland photo 1Town of St. Michaels, Maryland photo 2Town of St. Michaels, Maryland photo 3
Photos by Town of St. Michaels, Maryland , Destiny , Leonor Davis via Google Maps
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Town of St. Michaels, Maryland
Open now · Mon 8:30 AM – 4:30 PM
(410) 745-9535
stmichaelsmd.gov .GOV
201 Boundary Ln, St Michaels, MD 21663, USA
Recent Reviews
Cornell Rookard ★★★★★
Available in Saint Michaels

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 Talbot County and Neighboring Maryland Counties

Cities served near Saint Michaels.

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

🌟 Cities Served near Saint Michaels

30 Cities · 3 Counties
Calvert County10
Calvert BeachChesapeake BeachChesapeake Ranch EstatesDowellDunkirkHuntingtownLong BeachLusbyPrince FrederickSaint Leonard
Talbot CountyHome10
BozmanCordovaEastonMcdanielNewcombOxfordRoyal OakSherwoodSt. MichaelsTilghman
Anne Arundel County10
ArnoldBrooklyn ParkFort MeadeGalesvilleJessupLinthicumNaval AcademyPasadenaSeverna ParkSherwood Forest
Official Resources

Know your rights in Saint Michaels.

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

Saint Michaels insurance — answered.

💰

How much does life insurance cost in Saint Michaels?

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.

Saint Michaels
📋

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 Saint Michaels?

Yes. June serves all of Saint Michaels and every municipality in Talbot 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 Royal Oak Talbot County, MD 10 products available
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