Life Insurance
Term Life Insurance Whole Life Insurance Universal Life (IUL) Final Expense Insurance
Supplemental Coverage
Critical Illness Hospital Indemnity Accident & Injury
Business & Specialty
Business Life Insurance Special Situations
Areas Served
New Jersey Pennsylvania Florida Maryland Virginia About Contact

Home›Maryland›Talbot County›St. Michaels

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

Trusted Life Insurance in St. Michaels, MD | Local Expert

Securing Families Across Talbot County with 9 Tailored Product Lines

Why St. Michaels Residents Rely on June for Complete Peace of Mind

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

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

St. Michaels, MD — Your Local Producer

For those of us who call the charming waterfront town of St. Michaels home, we understand the value of community and peace of mind. As a local licensed insurance producer serving my Talbot County neighbors, my goal is to help you secure that peace of mind for your family. My name is June Marcia Williams, and I specialize in personal insurance solutions like Term Life, Whole Life, Final Expense, and Critical Illness plans. I'm here to provide clear, one-on-one guidance to help you understand your options and protect what matters most. (NPN: 17209549, Maryland License No: 3004137002)

  • Chesapeake Bay Maritime Museum
  • St. Michaels Middle/High School
  • Intersection of Talbot Street and Mill Street
NPN17209549MD License3004137002

St. Michaels is home to approximately 1,500 residents in Talbot County, with a median age of 49.8 and a median household income of $73,400. About 71% of homes are owner-occupied; the median home value is $487,000. 45% of adults hold a bachelor's degree or higher; households with children make up 22%; veterans comprise 6% of residents. Average household size is 2.3. These demographic markers shape which life insurance products fit St. Michaels households.

How St. Michaels compares to Talbot County

TALBOT COUNTY · 38K RESIDENTS ST. MICHAELS · 2K RESIDENTS
Talbot County vs St. Michaels — population comparison Talbot County: 37,663 residents. St. Michaels: 1,523 residents, 4.0% of Talbot County population.
37,663 TALBOT COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
1,523 ST. MICHAELS RESIDENTS ↳ 4.0% of Talbot County residents
Underwriting Guidelines

How does obesity impact life insurance underwriting in St. Michaels, MD?

Coverage is widely available. St. Michaels sits within Talbot County (population ~38,000, 7.7% uninsured), where 28.8% of adults have obesity alongside 13.6% with diagnosed diabetes per current CDC PLACES data. Independent agents match applicants to carriers whose underwriting guidelines treat each clinical profile most favorably.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for St. Michaels (CITY) High cholesterol: 45.8%. High blood pressure: 44.4%. Obesity: 28.8%. Diagnosed diabetes: 13.6%. Current cigarette smoking: 9.8%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · ST. MICHAELS High cholesterol 45.8% High blood pressure 44.4% Obesity 28.8% Diagnosed diabetes 13.6% Current cigarette smoking 9.8% 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

Talbot County Gov Portal .GOV
Population ~1,523
Lack of health insurance (18–64) 6.0%

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

FIPS code 2469825
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
View on Google Maps
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 St. 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 St. 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 St. Michaels

30 Cities · 3 Counties
Caroline County10
ChoptankDentonFederalsburgGoldsboroGreensboroHendersonPrestonRidgelyWest DentonWilliston
Talbot CountyHome10
BozmanCordovaEastonMcdanielNewcombOxfordRoyal OakSaint MichaelsSherwoodTilghman
Queen Annes County10
BarclayCentrevilleChesterChurch HillCrumptonGrasonvilleInglesideQueen AnneQueenstownStevensville
Official Resources

Know your rights in St. 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

St. Michaels insurance — answered.

💰

How much does life insurance cost in St. 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.

St. 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 St. Michaels?

Yes. June serves all of St. 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 Sherwood Talbot County, MD 10 products available
•
You Are Here St. Michaels Talbot County, MD
•
Next → Tilghman Talbot County, MD 10 products available

Talk to a real person. Today.

No automated phone trees. No chatbots. Schedule a time that works for you and a licensed agent with 12 years of experience calls you directly.

Licensed in 5 states NPN verified No obligation
📅 Schedule a Call 💬 Get Your Quote
Select a time and we'll call you · Serving NJ, PA, FL, MD & VA
🛡️ Get Your Quote 📅 Schedule a Call
Ask Lia