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Home›Maryland›Washington County›Cearfoss

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

Securing Families Across Washington County with 9 Tailored Product Lines

Why Cearfoss Residents Rely on June for Complete Peace of Mind

Your local licensed agent in Cearfoss, Washington County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for Cearfoss, Washington 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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❤️ 3K+ Satisfied
Right here · Cearfoss, MD

Cearfoss, MD — Your Local Producer

Hello, Cearfoss neighbors. In a community as close-knit as ours here in Washington County, we understand the importance of looking out for one another. My name is June Marcia Williams, and as your local licensed insurance producer, I'm dedicated to helping you protect what matters most. Whether you're thinking about securing your family's future with life insurance, planning for final expenses, or exploring options for unexpected health events, I'm here to provide clear, personalized guidance. My goal is to help you navigate your choices with confidence. (NPN: 17209549, Maryland License No: 3004137002)

  • Cearfoss Pike (MD-58)
  • Broadfording Road
  • Paramount Elementary School
NPN17209549MD License3004137002

Cearfoss is home to approximately 147 residents in Washington County, with a median age of 23.7. About 17% of homes are owner-occupied. 0% of adults hold a bachelor's degree or higher; households with children make up 0%; veterans comprise 0% of residents. Average household size is 1.2. These demographic markers shape which life insurance products fit Cearfoss households.

How Cearfoss compares to Washington County

WASHINGTON COUNTY · 155K RESIDENTS CEARFOSS · 147 RESIDENTS
Washington County vs Cearfoss — population comparison Washington County: 154,645 residents. Cearfoss: 147 residents, 0.1% of Washington County population.
154,645 WASHINGTON COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
147 CEARFOSS RESIDENTS ↳ 0.1% of Washington County residents
Underwriting Guidelines

How does arthritis impact life insurance underwriting in Cearfoss, MD?

Many Cearfoss residents secure competitive rates despite arthritis. Washington County reports 26.4% adult prevalence (CDC PLACES); 17.6% also manage current cigarette smoking, with 9.4% of the ~156,000 population lacking health insurance. Carriers offer fully underwritten and simplified-issue paths sized to the clinical specifics.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for Cearfoss (CITY) High cholesterol: 35.4%. High blood pressure: 39.6%. Obesity: 41.2%. Diagnosed diabetes: 14.4%. Current cigarette smoking: 17.6%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CEARFOSS High cholesterol 35.4% High blood pressure 39.6% Obesity 41.2% Diagnosed diabetes 14.4% Current cigarette smoking 17.6% 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

Washington County Gov Portal .GOV
Population ~147
Lack of health insurance (18–64) 11.2%

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

FIPS code 2414300
Google Maps
4.0 34 reviews
Hagerstown City Hall photo 1Hagerstown City Hall photo 2Hagerstown City Hall photo 3Hagerstown City Hall photo 4
Photos by Drew Cannon , Altimont Mark Wilks , Dustin Charland , David Herszenson via Google Maps
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Hagerstown City Hall
Open now · Mon 8:00 AM – 4:30 PM
(301) 739-8577
hagerstownmd.org
1 E Franklin St, Hagerstown, MD 21740, USA
Recent Reviews
John Shaffer ★☆☆☆☆
"Took out all the meter parking and replace with pay by phone. I don't have that capability. I have cash and coins. How do you park and do business in Hagerstown. If made to pay for any service Cash mu…"
tammy tagg ★★★★★
"Friendly courtesy staff who helped me answer my questions and I was able to fill out the paperwork and change a bill to just my name in less than ten minutes and I was right back to my car."
Available in Cearfoss

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 Washington County and Neighboring Maryland Counties

Cities served near Cearfoss.

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

🌟 Cities Served near Cearfoss

30 Cities · 3 Counties
Frederick County10
AdamstownBallenger CreekBrunswickEmmitsburgFrederickJeffersonMonroviaPoint Of RocksRocky RidgeWalkersville
Washington CountyHome10
AntietamBagtownEakles MillGaplandHagerstownLeitersburgMaugansvilleMount LenaPecktonvilleRohrersville
Carroll County10
CarrolltonGreenmountHampsteadManchesterMount AiryNew WindsorPatapscoSykesvilleTaneytownWoodbine
Official Resources

Know your rights in Cearfoss.

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

Cearfoss insurance — answered.

💰

How much does life insurance cost in Cearfoss?

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.

Cearfoss
📋

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 Cearfoss?

Yes. June serves all of Cearfoss and every municipality in Washington 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 Cavetown Washington County, MD 10 products available
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