June Marcia Williams

Your Licensed Insurance Agent

NJ #1543971

PA #767197

FL #W840529

MD #3004137002

VA #1575461

National Producer No.

17209549

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Life Insurance in New Jersey

Name: Insurance Coverage Data — New Jersey, NJ
Creator: June Marcia Williams
Published: 2026-07-27T01:14:58.019Z
License: https://creativecommons.org/licenses/by-nc/4.0/

Protecting Families Across 21 NJ Counties with Custom, Affordable Rates

Why New Jersey Residents Trust June Marcia Williams for Complete Protection

Protect your family with coverage tailored to New Jersey residents. 21 counties. 820 municipalities. One licensed agent.

June Marcia Williams holds an active New Jersey producer license (#1543971, NPN 17209549) covering 21 counties — term, whole, universal, and supplemental life insurance 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

Statewide Service · NJ

Serving Families Across New Jersey

As a proud resident of the Garden State, I am honored to serve my fellow New Jerseyans with their personal insurance needs. From the vibrant communities in North Jersey down to the serene shores of the south, I provide guidance on a range of life and health insurance options. I am a licensed insurance producer (NPN: 17209549, NJ License No: 1543971) and operate strictly under the consumer protection guidelines set by the New Jersey Department of Banking and Insurance. My commitment is to help you understand your options, whether you're in a bustling metro or a quiet rural town, ensuring you have the information needed to plan for your future.

New Jersey State House
Newark Metropolitan Area
The New Jersey Pine Barrens

NPN17209549NJ License1543971Regulated byNew Jersey Department of Banking & Insurance

New Jersey is home to approximately 9.2M residents across 21 counties, with a median age of 40.0 and a median household income of $97,100. About 64% of homes statewide are owner-occupied; the median home value is $401,000. 42% of adults hold a bachelor's degree or higher; households with children comprise 32%; veterans account for 3% of the adult population. These statewide demographic markers inform how A-rated carriers price coverage for New Jersey residents.

How New Jersey compares to the United States

UNITED STATES · 333.3M RESIDENTS NEW JERSEY · 9.2M RESIDENTS

333,287,557 UNITED STATES POPULATION ↳ 1 cell ≈ 1,000,000 residents

9,249,063 NEW JERSEY RESIDENTS ↳ 2.8% of United States residents

New Jersey Insurance Resources

OFFICIAL STATE PORTAL

nj.gov

State-regulated life insurance market · New Jersey Department of Banking & Insurance

NJ DOBI · Insurance Registry.GOV

STATE FIPS34

ACTIVE COUNTIES21

CITIES SERVED566

PRODUCTS10

NPN17209549

NJ LIC #1543971

4.1107reviews

"Striking government offices & museum featuring guided tours of period-furnished chambers." Google editorial · New Jersey State Senate

Photos by Travis Evans, G Aquino, Anitha Kapu, Jerzy Gawel via Google Maps

View on Google Maps

New Jersey State Senate

(609) 292-5217

nj.gov.GOV

125 W State St, Trenton, NJ 08608, USA

Recent Reviews

Robertson Souza★★★★★

"We had the opportunity/honor to visit the New Jersey State Senate in JUL_FY2024 and it was an amazing experience, a great opportunity to learn more about NJ's history and legacy. We did a plant tour …"

Kayla Barton★★★★☆

"We had a good time here. We had a goal of visiting all the state capitals and this was on the lower end of the totem pole but still enjoyable!"

Products Available

Life Insurance Products in New Jersey

10 insurance products available in New Jersey

🛡️ 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 📜 NJ Only

Notary Public

Commission #50123638. Notarization, oaths, acknowledgments.

Explore NJ Notary Services

Coverage by Product

New Jersey Insurance by Product

Every county with listings in New Jersey.

🛡️ Term Life

21 Counties

💎 Whole Life

21 Counties

📈 Universal Life

21 Counties

🏥 Critical Illness

21 Counties

🏨 Hospital Indemnity

21 Counties

⚡ Accident & Injury

21 Counties

🏢 Business Life

21 Counties

🔑 Special Situations

21 Counties

🕊️ Final Expense

21 Counties

📋 Notary Public

21 Counties

Official Resources

Know your rights in New Jersey.

State and federal resources for insurance consumers. Verify, research, protect.

New Jersey Department of Banking & Insurance

File complaints, verify agent licenses, and understand your rights under New Jersey insurance law.

Visit www.nj.gov →.GOV

Verify Agent License (NIPR)

Look up any insurance agent's National Producer Number, active licenses, and state appointments. June's NPN: 17209549.

Visit nipr.com →.COM

NAIC Consumer Guides

Free guides from the National Association of Insurance Commissioners on choosing life insurance, understanding policy types, and filing complaints.

Visit content.naic.org →.ORG

FTC Life Insurance Guide

The Federal Trade Commission's consumer guide — what to watch for when buying life insurance, how to compare options, and your federal protections.

Visit www.iii.org →.GOV

New Jersey Consumer Insurance Guide

Consumer resources from NJ DOBI — policy types, replacement rules, the free-look period, and how to file a complaint in New Jersey.

Visit www.nj.gov →.GOV

USA.gov Insurance Basics

Federal overview of life insurance types, how policies work, and what questions to ask your agent before buying coverage.

Visit www.usa.gov →.GOV

Frequently Asked Questions

New Jersey Life Insurance Questions

Costs, eligibility, and coverage rules for New Jersey.

💰

How much does life insurance cost in New Jersey?

Rates vary based on age, health, coverage amount, and policy type. Term life is generally the most affordable, while whole and universal carry higher premiums due to cash value features. A licensed agent can compare carriers for your specific situation.

NJ Rates

⚱️

What is the average funeral cost in NJ?

Approximately $9,443 in New Jersey. Final expense insurance covers burial, memorial services, and end-of-life medical bills — helping families avoid this financial burden during an already difficult time.

NJ Data

🔑

Can I get coverage with a pre-existing condition in NJ?

Yes. Multiple carriers in New Jersey offer coverage for applicants with pre-existing health conditions. Options range from simplified-issue policies to guaranteed-issue. Rates and availability vary by carrier and by individual circumstances.

Special Situations

📋

What types of insurance are available in NJ?

NJ residents have access to term life, whole life, universal life, final expense, critical illness, hospital indemnity, accident & injury, business life, and specialized coverage.

9 Product Lines

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How do I verify a NJ insurance agent's license?

Verify through the state Department of Insurance or NIPR (nipr.com). June Marcia Williams — NPN 17209549, NJ License #1543971.

Trust & Verification

🏛️

Does New Jersey regulate life insurance rates?

The state Department of Insurance oversees insurance regulation. Rates are set by carriers and approved by the state but are not price-fixed — they vary by carrier, making it important to compare options through a licensed agent.

NJ Regulation

🏥

What is critical illness insurance in NJ?

Critical illness pays a lump-sum cash benefit upon diagnosis of cancer, heart attack, stroke, or organ failure. It supplements health insurance by covering deductibles, lost wages, and non-medical expenses.

Critical Illness

🏢

Can a NJ business insure key employees?

Yes. Key person insurance protects New Jersey businesses from the financial impact of losing a critical contributor. Buy-sell agreements funded by life insurance ensure smooth ownership transitions.

Business Life