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

Securing Families Across Washington County with 9 Tailored Product Lines

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

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

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for St. James, 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 · St. James, MD

St. James, MD — Your Local Producer

Hello, St. James! As a licensed Maryland insurance producer, I appreciate the unique character and strong community roots we have here in Washington County. My goal is to provide my neighbors with clear, straightforward guidance on personal insurance matters. Whether you're considering Term Life for your growing family, exploring Whole or Universal Life for long-term planning, or looking for a safety net with Final Expense or Critical Illness coverage, I can help you understand your options. I'm committed to helping you find a plan that fits your specific needs and budget. (NPN: 17209549, Maryland License No: 3004137002)

  • Saint James School
  • Intersection of Lappans Rd (MD-68) and Greencastle Pike (MD-63)
  • St. James Brethren Church
NPN17209549MD License3004137002

St. James is home to approximately 4,100 residents in Washington County, with a median age of 43.2 and a median household income of $106,000. About 80% of homes are owner-occupied; the median home value is $370,000. 34% of adults hold a bachelor's degree or higher; households with children make up 47%; veterans comprise 5% of residents. Average household size is 2.6. These demographic markers shape which life insurance products fit St. James households.

How St. James compares to Washington County

WASHINGTON COUNTY · 155K RESIDENTS ST. JAMES · 4K RESIDENTS
Washington County vs St. James — population comparison Washington County: 154,645 residents. St. James: 4,106 residents, 2.7% of Washington County population.
154,645 WASHINGTON COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
4,106 ST. JAMES RESIDENTS ↳ 2.7% of Washington County residents
Underwriting Guidelines

Does diagnosed diabetes affect life insurance rates in St. James, MD?

St. James applicants with diagnosed diabetes qualify routinely. The local risk pool — Washington County's ~155,000 residents, 9.4% without health coverage — shows 14.4% adult prevalence of diagnosed diabetes and 41.2% with obesity. Top-rated carriers price these conditions transparently when application data is complete and recent.

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

📊 Top Health Considerations (CDC)

Top Health Considerations for St. James (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 · ST. JAMES 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 ~4,106
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 2469550
Google Maps
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Available in St. James

Life Insurance Products in St. James, MD

9 insurance products available in St. James

🛡️ 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 St. James, MD

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

🌟 Cities Served near St. James

30 Cities · 3 Counties
Carroll County10
CarrolltonCarrolltowneHampsteadManchesterMount AiryNew WindsorSykesvilleTaneytownUnion BridgeWestminster
Washington CountyHome10
AntietamCearfossEakles MillHagerstownLeitersburgMaugansvilleMercersvilleMount LenaPecktonvilleRohrersville
Montgomery County10
BeallsvilleBrookmontCloverlyDarnestownFriendship Heights VillageGaithersburgKensingtonMontgomery VillageRockvilleSpencerville
Official Resources

Know your rights in St. James.

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. James Life Insurance Questions

💰

How much does life insurance cost in St. James?

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. James
📋

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 St. James?

Yes. June serves all of St. James 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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