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

Dedicated Coverage Options from Final Expense to Term Life in Washington County

The Smart Choice for Dependable Life Insurance in Clear Spring, MD

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

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for Clear Spring, Washington 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 · Clear Spring, MD

Clear Spring, MD — Your Local Producer

Living in the Clear Spring area, we value the strong community bonds and scenic beauty of Washington County. As a local licensed insurance producer, I'm June Marcia Williams, and I'm dedicated to helping my neighbors navigate their insurance options. Understanding policies like Term Life, Final Expense, or Critical Illness can feel complex, but I'm here to provide clear, one-on-one guidance. My goal is to help you find a personal insurance strategy that fits your family’s needs, ensuring you have the protection you deserve. (NPN: 17209549, Maryland License No: 3004137002)

  • Clear Spring Town Hall
  • Clear Spring High School
  • Intersection of Cumberland Street and Mill Street
NPN17209549MD License3004137002

Clear Spring is home to approximately 411 residents in Washington County, with a median age of 35.8 and a median household income of $58,000. About 49% of homes are owner-occupied; the median home value is $162,000. 16% of adults hold a bachelor's degree or higher; households with children make up 33%; veterans comprise 6% of residents. Average household size is 2.5. These demographic markers shape which life insurance products fit Clear Spring households.

How Clear Spring compares to Washington County

WASHINGTON COUNTY · 155K RESIDENTS CLEAR SPRING · 411 RESIDENTS
Washington County vs Clear Spring — population comparison Washington County: 154,645 residents. Clear Spring: 411 residents, 0.3% of Washington County population.
154,645 WASHINGTON COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
411 CLEAR SPRING RESIDENTS ↳ 0.3% of Washington County residents
Underwriting Guidelines

How does current cigarette smoking impact life insurance underwriting in Clear Spring, MD?

Many Clear Spring residents secure competitive rates despite current cigarette smoking. Washington County reports 14.5% adult prevalence (CDC PLACES); 12.4% also manage diagnosed diabetes, with 9.4% of the ~155,000 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 Greensburg →

📊 Top Health Considerations (CDC)

Top Health Considerations for Clear Spring (CITY) High cholesterol: 37.1%. High blood pressure: 37.7%. Obesity: 37%. Diagnosed diabetes: 12.4%. Current cigarette smoking: 14.5%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · CLEAR SPRING High cholesterol 37.1% High blood pressure 37.7% Obesity 37.0% Diagnosed diabetes 12.4% Current cigarette smoking 14.5% 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 ~411
Lack of health insurance (18–64) 6.9%

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

FIPS code 2417600
Google Maps
The Town of Clear Spring, Maryland photo 1The Town of Clear Spring, Maryland photo 2
Photos by str8 shtr , David Glaze jr via Google Maps
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The Town of Clear Spring, Maryland
Open now · Mon 8:00 AM – 4:00 PM
(301) 842-2252
clearspringmd.gov .GOV
146 Cumberland St, Clear Spring, MD 21722, USA
Available in Clear Spring

Life Insurance Products in Clear Spring, MD

9 insurance products available in Clear Spring

🛡️ 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 Washington County and Nearby Maryland Counties

Life Insurance by City Near Clear Spring, MD

Life insurance by city across Washington County and adjacent Maryland counties.

🌟 Cities Served near Clear Spring

30 Cities · 3 Counties
Allegany County10
ClarysvilleCumberlandFlintstoneFrostburgLa ValeLonaconingLukeMidlandSpring GapZihlman
Washington CountyHome10
AntietamCearfossEakles MillHagerstownLeitersburgMaugansvilleMercersvilleMount LenaPecktonvilleRohrersville
Howard County10
Annapolis JunctiClarksvilleColumbiaCooksvilleDaytonEllicott CityFultonGlenelgGlenwoodHighland
Official Resources

Know your rights in Clear Spring.

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

Clear Spring Life Insurance Questions

💰

How much does life insurance cost in Clear Spring?

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.

Clear Spring
📋

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 Clear Spring?

Yes. June serves all of Clear Spring 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.

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