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Home›Maryland›Worcester County›Ocean Pines

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

Securing Families Across Worcester County with 9 Tailored Product Lines

Why Ocean Pines Residents Rely on June for Complete Peace of Mind

Your local licensed agent in Ocean Pines, Worcester County. 9 product lines. 12 years of experience. One call away.

June Marcia Williams (NPN 17209549, MD #3004137002) writes life insurance for Ocean Pines, Worcester 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 · Ocean Pines, MD

Ocean Pines, MD — Your Local Producer

For my neighbors here in Ocean Pines, planning for the future is part of what makes life in Worcester County so special. Whether you're enjoying the community amenities or the quiet coastal atmosphere, having the right protections in place brings valuable peace of mind. As a licensed insurance producer, I'm dedicated to helping individuals and families in our area understand their options for life insurance, final expense, and other personal coverage. I can help you navigate policies that fit your unique needs. Let's talk about securing your family's future. (June Marcia Williams, NPN: 17209549, Maryland License No: 3004137002)

  • Ocean Pines Yacht Club
  • White Horse Park
  • Ocean Pines Golf Club
NPN17209549MD License3004137002

Ocean Pines is home to approximately 12,300 residents in Worcester County, with a median age of 62.6 and a median household income of $88,600. About 89% of homes are owner-occupied; the median home value is $325,000. 35% of adults hold a bachelor's degree or higher; households with children make up 16%; veterans comprise 12% of residents. Average household size is 2.1. These demographic markers shape which life insurance products fit Ocean Pines households.

How Ocean Pines compares to Worcester County

WORCESTER COUNTY · 53K RESIDENTS OCEAN PINES · 12K RESIDENTS
Worcester County vs Ocean Pines — population comparison Worcester County: 52,827 residents. Ocean Pines: 12,312 residents, 23.3% of Worcester County population.
52,827 WORCESTER COUNTY POPULATION ↳ 1 cell ≈ 10,000 residents
12,312 OCEAN PINES RESIDENTS ↳ 23.3% of Worcester County residents
Underwriting Guidelines

Does arthritis affect life insurance rates in Ocean Pines, MD?

Ocean Pines applicants with arthritis qualify routinely. The local risk pool — Worcester County's ~53,000 residents, 7.1% without health coverage — shows 24.5% adult prevalence of arthritis and 11.3% with current cigarette smoking. 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 Snow Hill →

📊 Top Health Considerations (CDC)

Top Health Considerations for Ocean Pines (CITY) High cholesterol: 42.6%. High blood pressure: 41.3%. Obesity: 31.7%. Diagnosed diabetes: 13%. Current cigarette smoking: 11.3%. Source: CDC PLACES Dataset. TOP HEALTH CONSIDERATIONS · OCEAN PINES High cholesterol 42.6% High blood pressure 41.3% Obesity 31.7% Diagnosed diabetes 13.0% Current cigarette smoking 11.3% 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

Worcester County Gov Portal .GOV
Population ~12,312
Lack of health insurance (18–64) 6.6%

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

FIPS code 2458275
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Photos by Amanda Wainwright , M&M Family trips , Delmy Caceres via Google Maps
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Ocean Pines
oceanpines.org
Ocean Pines, MD, USA
Available in Ocean Pines

Life Insurance Products in Ocean Pines, MD

9 insurance products available in Ocean Pines

🛡️ 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 Worcester County and Nearby Maryland Counties

Life Insurance by City Near Ocean Pines, MD

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

🌟 Cities Served near Ocean Pines

30 Cities · 3 Counties
Somerset County10
ChanceCrisfieldDeal IslandEwellMarion StationPrincess AnneSmith IslandTylertonUpper FairmountWestover
Worcester CountyHome10
BerlinBishopvilleGirdletreeNewarkOcean CityPocomoke CityShowellSnow HillStocktonWest Ocean City
Dorchester County10
CambridgeChurch CreekCrapoCrocheronEast New MarketFishing CreekLinkwoodMadisonRhodesdaleSecretary
Official Resources

Know your rights in Ocean Pines.

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

Ocean Pines Life Insurance Questions

💰

How much does life insurance cost in Ocean Pines?

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.

Ocean Pines
📋

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 Ocean Pines?

Yes. June serves all of Ocean Pines and every municipality in Worcester 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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